Swimming Pool Financing

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Swimming Pool Financing

How to Get a Swimming Pool Loan

A backyard with a pool truly is part of the American dream. With a swimming pool comes the promise of long, warm summer evenings with the kids splashing around until sundown. In many areas of the country not having a pool will even harm your home’s value. An in-ground or freestanding pool is always a big investment, so most people choose to look to financing to help them cover the costs.

Applying for a swimming pool loan is fast and easy:

Fill out a simple and fast online application in just minutes

Compare best personalized rates and choose your loan offer

Borrow up to $100,000 as fast as next business day

Absolutely no negative impact on your credit score, ever.

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How it Works
Apply in minutes

Get pre-qualified in less than 2 minutes and compare offers from top lenders with no impact on your credit score.

Choose your offer

Compare and choose an offer that works best for you based on your timeline and budget needs.

Get funded

After your loan is approved with the lender of your choice, receive your funds as fast as 1-2 business days.

Compare Your Personal Loan Options

Can I finance a swimming pool?

When it comes to pool financing, there are plenty of options available but it can be an expensive process, so you need to pay attention to interest rates and focus on keeping your loan affordable.

Which lenders offer swimming pool loans?


Discover Personal Loans Review


Funding: Borrow $2,500 - $35,000
Minimum Credit Score: 660
APR: 5.99% - 24.99%
Loan term: 3 - 7 years
Funding turnaround: within 24 hours

With Discover personal loans, borrowers can apply up to $35K in funding as fast as next business day. Best for those who want to consolidate debt and have a good credit score.


Lendingpoint Personal Loans


Funding: Borrow $2,000 - $36,500
Minimum Credit Score: 580
APR: 9.99-35.99%
Loan term: 2 - 4 years
Funding turnaround: as fast as within 24 hours

With LendingPoint, borrowers with fair credit can obtain a loan between $2,000 - $36,500 and get funded within 24 hours. Origination fees may apply.




Funding: Borrow $5,000 - $100,000
Minimum Credit Score: 680
APR: 4.99% to 19.53%
Loan term: 2 - 7 years
Funding turnaround: 1 - 3 business days

With SoFi personal loans, borrowers can get access to up to $100,000 with APR starting as low as 4.99% with extra bonus perks ($500 for each funded loan) and fast turnaround time. 24/7 customer support available.

How much does it cost to install an above-ground pool?

On average, an above-ground pool costs a little over $2,500, though it does depend on the size and features of the pool.

How much does it cost to install an in-ground pool?

In-ground pool costs depend on the materials used, plus the pool’s shape and size. An inground pool generally costs anywhere between $28,000 and $55,000. In other words, it costs between $50 and $125 per square foot. This figure leaves us with an average price of about $35,000.

What are the different types of swimming pool financing?

Here’s we’re going to talk about four ways you could finance a swimming pool:

  1. Savings: unsurprisingly, this option is the one that usually makes the most financial sense, with some exceptions. Even if you’re unable to pay for the entire thing out of pocket, using as much of your savings as you can while keeping an emergency fund is always a sensible option.
  2. Personal loan: personal loans are unsecured personal loans from an online lender, bank, or credit union that you can use for pretty much anything legal, including building your swimming pool. If you have good credit, they can be particularly affordable and a safe choice, but if you have bad credit interest rates are typically high.
  3. HELOCs or home equity lines of credit: this is where a lender gives you access to a line of credit with a maximum limit (like a credit card) that you can use as and when you please to pay for your swimming pool costs. HELOCs are secured to your home, which helps reduce interest rates and increase credit limits, but you need to remember that your home is at risk if you default on your payments.
  4. Home equity loan: this is essentially a personal loan secured by your home equity, so it’s like taking out a second mortgage. As you’d expect, this lowers interest rates but does put your home at risk.
  5. Cash-out refinance: you can also consider remortgaging your home to release some of the equity you hold in your home so you can pay for your swimming pool. This has the same pros and cons as a home equity loan.

Need help finding the right loan?

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What are the pros and cons of deck financing?


  • usually a good investment for your home
  • can leave your savings intact


  • decks need replacing often if not looked after
  • you may not see a good return on investment if your financing has terms over 5 years due to the way most decks age (you can talk to your contractor about long-lasting options to minimize this risk)

How long do decks last?

If your deck is made from untreated wood it can last anywhere from 10 to 15 years, whereas a deck made from treated wood or a composite deck will last between 25 and 30 years. Some composite decks may even last as long as 50 years if they are meticulously installed and maintained.

How much does it cost to get a deck installed?

The cost of a deck ranges anywhere from $4,000 to $12,000, with a national average of $6,000, including both material costs and labor costs. This works out to around $30 to $60 per square foot.

The cost of your deck will depend on the size, design, shape, and type of material you choose, as well as your location and contractor.

How much does it cost to build your own deck?

You can expect it to cost you around 65% of what you would pay if you were to have a deck installed by a professional. (For example, if a deck costs $10,000 with a contractor, you may be able to DIY the deck for $6,500.)

You will find that a contractor will be able to find the materials at a lower cost, and they will be able to complete the project in a shorter time, so you will likely only be saving on labor costs.

Will a deck increase my home’s value?

One of the benefits of adding a deck is that it helps to increase your home’s value. In fact, according to the 2021 Remodeling Cost vs Value Report, a deck addition increased home value by 63.2% to 65.8%. It is worth noting that this added value will depend on how well you maintain your deck - a deteriorating deck will be seen as a liability, not an asset.

What credit score do I need to qualify for deck financing?

To qualify for deck financing, you should be looking to have a credit score of at least 600, although a score of 660 or above will help you to qualify for the best and most affordable financing options.

Best Lenders for Deck Financing

Some of the best lenders that offer deck financing are:

  • Avant
  • Axos
  • LendingClub
  • LightStream
  • OneMain Financial
  • Prosper
  • Universal Credit
  • Upstart

 To find out which lender can give you the best rate for deck financing, check out our comparison tables.

Compare and Apply

If you don’t want to save up to improve your outside space with a deck, now is the time to start looking at financing. It will be helpful to get a few quotes from contractors to see how much financing you are going to need, so you can make sure that you are only borrowing as much as you need.

Once you know what loan amount you need, you can decide which financing option is right for you and compare rates. We have made it easy for you to compare rates of different lenders and apply to receive the funding you need to get your deck project started as soon as possible.

Need help finding the right loan?

No worries, we've got you covered! Compare personalized loan options in just minutes without impact on your credit score.

Compare Personal Loans in Minutes

Apply online and find your best rate without affecting your credit score.