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:

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Can I finance a swimming pool?

Yes, it is possible to finance a swimming pool. Financing options can help you cover the cost of installing a swimming pool, allowing you to spread out the expense over time. 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.

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

The cost of installing an above-ground pool can vary depending on several factors, including the pool's size, materials, features, site preparation, and any additional accessories. While the actual cost can differ based on location and specific circumstances, here's a rough estimate of the costs involved:

  1. Pool Kit: The cost of an above-ground pool kit can range from $1,500 to $5,000 or more, depending on the size, quality, and brand of the pool. This cost typically includes the pool walls, liner, pump, filter, and ladder.
  2. Site Preparation: Site preparation may involve leveling the ground, removing vegetation, and ensuring a stable foundation for the pool. The cost for site preparation can range from $500 to $2,000, depending on the complexity of the work required.
  3. Installation: The cost of professional installation can range from $1,000 to $3,000, depending on the pool size and any additional complexities involved. Some homeowners may choose to install the pool themselves, which can help save on installation costs but requires the necessary skills and knowledge.
  4. Accessories: Additional accessories such as a pool cover, pool heater, lighting, and maintenance equipment can add to the overall cost. The prices of these accessories can vary, but budgeting an additional $500 to $2,000 for accessories is a reasonable estimate.
  5. Permitting and Other Costs: Depending on local regulations, you may need to obtain permits for installing an above-ground pool. Permit fees can vary by location. Additionally, you might want to consider the cost of water to fill the pool initially and ongoing maintenance costs such as chemicals, cleaning, and repairs.

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

The cost of installing an in-ground pool can vary significantly depending on several factors, including the pool's size, shape, materials, location, site conditions, additional features, and local labor costs. Here's a general breakdown of the costs involved in installing an in-ground pool:

  1. Pool Construction: The cost of pool construction can range from $30,000 to $100,000 or more, depending on the size, shape, and materials used. Basic vinyl or fiberglass pools tend to be on the lower end of the cost spectrum, while custom-designed concrete (gunite) pools can be more expensive.
  2. Excavation and Site Preparation: Excavating the area and preparing the site for pool installation can incur costs ranging from $5,000 to $20,000, depending on the complexity of the excavation, site access, and any necessary ground preparation.
  3. Pool Equipment: The equipment needed for an in-ground pool, including pumps, filters, heaters, and automation systems, can add an additional $5,000 to $10,000 to the total cost.
  4. Pool Finishes and Features: Finishing touches such as pool decking, coping, lighting, water features, and landscaping can contribute to the overall cost. These elements can range from a few thousand dollars to tens of thousands of dollars, depending on the design and materials chosen.

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: Utilizing your savings is often the most financially sensible option, with some exceptions. If possible, use as much of your savings as you can while maintaining an emergency fund, as it is a prudent approach to minimize borrowing.
  2. Personal loan: Personal loans are unsecured loans that can be obtained from online lenders, banks, or credit unions. These loans can be used for various purposes, including building a swimming pool. If you have good credit, personal loans can offer affordable interest rates. However, if you have bad credit, expect higher interest rates.
  3. HELOCs or home equity lines of credit: HELOCs provide a line of credit, similar to a credit card, that is secured by your home. This option offers the flexibility to access funds as needed for your swimming pool expenses. HELOCs generally come with lower interest rates due to the collateralization, but it's important to remember that your home is at risk if you fail to make payments.
  4. Home equity loan:A home equity loan is a personal loan secured by your home equity, similar to taking out a second mortgage. This option typically offers lower interest rates, but it also puts your home at risk if you default on payments.
  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.

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What are the pros and cons of deck financing?


  • Immediate Enjoyment: Financing allows you to build your deck now and start enjoying it immediately, rather than waiting until you have saved enough funds.
  • Flexible Payment Options: Financing provides flexibility in terms of payment options. You can choose a loan term and monthly payment that fits your budget.
  • Preservation of Savings: By opting for financing, you can preserve your savings for emergencies or other financial goals, while still being able to enhance your outdoor living space.
  • Potential Increase in Home Value: A well-designed and high-quality deck can potentially increase the value of your home, allowing you to recoup some of the costs when selling.


  • Interest Charges: Financing a deck incurs interest charges, which can increase the overall cost of the project. It's important to consider the total cost of borrowing, including interest, when evaluating financing options.
  • Debt Obligation: Taking on debt means having a monthly payment and a long-term obligation. You should ensure that you can comfortably manage the loan payments within your budget.
  • Qualification Requirements: Some financing options may have specific qualification requirements, such as credit score, income verification, and debt-to-income ratio. Not meeting the lender's criteria may limit your options or result in higher interest rates.
  • Potential Impact on Credit: Taking on new debt may impact your credit score. It's important to make payments on time and manage your debt responsibly to avoid any negative effects on your credit standing.
  • Repayment Period: Depending on the financing option chosen, you may have a long repayment period. Consider the length of the loan term and how it fits into your financial plans.

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 getting a deck installed can range from $15 to $35 per square foot or more. This estimate typically includes materials, labor, and basic features but may not include additional elements like permits, site preparation, or specialized design features.

To get a more accurate cost estimate for your specific deck project, it's recommended to consult with local deck contractors or obtain multiple quotes. They will be able to assess your requirements, provide a detailed breakdown of costs, and consider any site-specific factors that may impact the overall price.

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?

The specific credit score requirement to qualify for deck financing can vary depending on the lender and the type of financing you're seeking. Different lenders may have different credit score criteria and lending standards. In general, a higher credit score improves your chances of qualifying for favorable financing terms, such as lower interest rates and higher loan amounts.

While there is no universally set credit score requirement for deck financing, having a good to excellent credit score is typically beneficial. A FICO credit score of 670 or above is often considered good, while a score of 740 or higher is generally considered excellent. However, lenders may have their own credit score thresholds and criteria.

How to apply for a deck loan

Step 1: Research Lenders: Discover a world of possibilities by exploring reputable lenders who specialize in deck loans or personal loans for home improvements. Look for trusted banks, online lenders, and credit unions offering attractive financing options.

Step 2: Gather Documentation: Get organized by gathering the necessary documentation to support your loan application. This typically includes proof of income, identification, bank statements, and any additional documents required by the lender to assess your eligibility.

Step 3: Compare Loan Offers: Unlock the power of choice by requesting loan quotes from multiple lenders. Compare and contrast interest rates, loan terms, fees, and repayment options. Find the loan offer that aligns perfectly with your needs and financial goals.

Step 4: Submit Application: It's time to take action! Complete the loan application, whether it's a seamless online process or a personal visit to a lender's office. Pay attention to detail, ensuring all required fields are filled out accurately, and attach any supporting documents as requested.

Step 5: Review and Approval: Lenders will review your application, considering factors like your credit history, income, and overall financial stability. If approved, you'll receive an loan offer tailored just for you.

Step 6: Loan Acceptance: It's decision time! Take a moment to carefully review the loan offer, examining the interest rate, repayment schedule, and any associated fees. If the terms make you smile, accept the loan offer by signing the necessary documents and taking one step closer to your dream deck.

Step 7: Receive Funds: Celebrate as your dream deck becomes a reality. Once you've accepted the loan offer, the lender will swiftly disburse the funds to your designated account. Get ready to transform your outdoor space into a haven of relaxation and entertainment.

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Loan rate & terms disclosure: Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Rates and terms are subject to change without notice. Rates from Lenders may differ from prequalified rates due to factors which may include, but are not limited to: (i) changes in your personal credit circumstances; (ii) additional information in your hard credit pull and/or additional information you provide (or are unable to provide) to the Lender during the underwriting process; and/or (iii) changes in APRs (e.g., an increase in the rate index between the time of prequalification and the time of application or loan closing. (Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time). Lenders reserve the right to change or withdraw the prequalified rates at any time.

Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.