Pool Financing & Swimming Pool Loan Options

Get personalized pool financing rates in 60 seconds without impacting your credit score in any way.
How much would you like to finance?

How Swimming Pool Financing Works With Acorn

Check Swimming Pool Loan Offers With No Impact To Your Credit Score


Get Your Pool Financed Quickly

Easy Monthly Payments

Get Swimming Pool Financing Today

A new pool is an investment, and not cheap. We know when you’re looking to finance your pool, it can be overwhelming. That is why Acorn puts you in control by showing you personalized pool loan offers from lenders in our network, with no impact to your credit score. You can easily sort the pool financing offers based on what’s most important to you: interest rate, payment amount, or length of the loan. Our 100% online, customer-friendly process is designed to help you find cheap payment options with trusted lenders that can finance your new pool.

Acorn Finance Icon

Swimming Pool Loans With Acorn Finance

Check Pool Loans & Rates in Seconds

Get pre-qualified swimming pool loans with an easy online pre-qualification application

Won't Impact Your Credit

Receive pre-qualified swimming pool loan offers with no impact to your credit score

Competitive Payment Options

Swimming Pool loans up to $100,000; Payment Terms up to 12 years; APRs low as 4.99%

Receive Funds Quickly

After applying, receive funds to finance your new swimming pool in as little as one business day

“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”


– Mike T. (TN)

“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”


– Carol R (FL)

“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”


– Bob S (WI)

The Best Way To Finance A Pool Today

Compare swimming pool loans without affecting your credit score.

Consumer Financial Partners

Learn More About Swimming Pool Financing

Imagine floating on a raft sipping an ice-cold beverage in your own backyard after a long hot day… a pool loan or financing a pool can make this your reality! There are plenty of options available for all credit types when it comes to pool financing and pool loans. Building can be expensive but the memories it’ll create and the value it can add to your home make it easily justifiable.

Read More

Can You Get A Loan For A Swimming Pool?

Absolutely! Financing your new swimming pool is a great way to start enjoying your outdoor space quickly with a low monthly payment.

If you’re interested in financing a swimming pool, it’s important to do your research and select the right loan. Keep reading to learn more about the pros and cons of different types of swimming pool loans.

How do you finance a pool?

When it comes to financing a pool, you may have more options than you think. Before picking the best type of financing for you, you should decide what type of pool you want. Do you want an inground pool? Do you want an above ground pool? Do you want a concrete or fiberglass pool? The options and type of pool you choose can significantly impact the cost. Personal loans may be a good option for all credit types to finance all pool types. Other options for pool financing can include home equity loans, home improvement loans, or financing offered by the pool dealer. A little later on we will dive into the pros and cons of various pool financing options.

Is it hard to get pool financing?

Qualifying for pool financing can be easy, even if you have bad credit. If you have bad credit you should look into a personal loan. Most likely if you are reading this, you are already doing your due diligence to learn more about pool financing…you are on the right track! Once you do your research and understand the various types of financing you can select the loan type that is best for you. It can be helpful to know how much your pool will cost and how much money, if any, you would like to put down on the loan before applying.

Is financing a pool a good idea?

In most cases financing a pool is a good idea. It can increase the value of your home and make it more desirable while providing a space that your family will love. It can be considered what we like to call “good debt.” You’ll likely recoup most or all of your investment when it’s time to sell your home.

What credit score is needed to finance a pool?

You should have a 550 or above to qualify for pool financing. If your credit is below 600 you should consider applying for a personal loan with a cosigner who has good credit to increase your chance of approval.

Pros & Cons of Swimming Pool Loans

Is the cost of building a swimming pool holding you back? Pool financing and loans are available to help you discover the backyard of your dreams. For the most part, pool loans are fairly easy to obtain and offer affordable monthly payments. Let’s take a look at some pros and cons associated with swimming pool loans.

  • Affordable monthly payments
  • Increase home value by adding a pool
  • Competitive interest rates
  • Quick funding
  • Taking on a lot of debt
  • Qualifying for pool financing can be a challenge
  • Risk of getting a bad loan (do your research!)

Typical Length of Pool Loans

7 to 15 years, usually 10 year loans

How Much Does A New Pool Cost?

Putting in a swimming pool can be very expensive. Factors such as the type of pool, location, size, and custom features fluctuate the price of a pool. The investment can be justified by the fun times and increased home value a pool can provide. Let’s take a look at different types of swimming pools and their average cost.

  • Vinyl pools: $20,000s – $60,000s
  • Fiberglass pools: $20,000s – $40,000s
  • Concrete pools: $30,000s – $60,000s

How much is a 12×24 inground pool?

On average a 12×24 foot swimming pool should cost between $14,400 to $36,000. That breaks down to about $50 to $125 per square foot. Most swimming pools are about 14×28 feet with an average depth of 6.5 feet. On average a 14×28 foot swimming pool costs between $19,600 to $48,750.

How Much Does It Cost To Operate And Maintain A Pool?

The cost of building a pool is one thing and the cost to maintain it is another. It’s important to factor in both, especially when you will be taking on a monthly payment to finance your pool. Some expenses involved in maintaining a pool include:

  • Pool-cleaning equipment
  • Maintenance or cleaning service
  • Water and water treatments
  • Pool heating
  • Pool cover
  • Lighting
  • Increased utility expense

On average these expenses cost:

  • Basic upkeep: $1,200 – $1,800 annually
  • Upkeep, potential repairs, & increased utility costs: $5,000 annually

How much is a monthly payment for a pool?

The amount you finance for your pool loan can change your monthly payment. Let’s just say you use a personal loan at 4.99% with a 12-year term and finance $20,000. If you signed into this loan your payment would be about $185 per month. If you wanted to pay the loan off in 6 years your payment would be about $322. If you paid the loan off in 6 years rather than 12 years you could save more than $3,000 in interest. Many online personal loan calculators can help you determine your estimated loan payment and savings for early payoff.

Can You Finance Pool Repairs Or Add-Ons?

Depending on the type of loan you qualify for, you may or may not be able to finance pool repairs or add-ons. In most cases, add-ons at the time of installation may be easier to include in the loan compared to repairs or add-ons in the future.

What Credit Score Do You Need To Get A Pool Loan?

Different lenders will provide different rates and financing options for your new pool depending on your credit score. On average, expect to need a credit score around 600+ in order to get a swimming pool loan. That being said, other factors are involved, so if you are considering getting a new pool but need financing, check your options with Acorn Finance today.

How Long Can You Finance A Swimming Pool?

Once approved, many lenders have flexible terms. Most terms are several years, but there are shorter and longer options available. Once you receive a financing offer for your new pool, that offer is usually good for at least 90 days.

How do you finance an inground pool?

Personal loans can be used to finance inground and above ground pools. However, inground pools can be much more expensive than above ground pools. This means that if you are going to finance an inground pool you should pay close attention to the rate and terms of your loan. Home equity loans are commonly used to finance inground pools even though they can be riskier than personal loans. Home equity and home improvement loans usually offer lower interest rates. Personal loans do not require any collateral but home equity loans do. When you use a home equity loan you are essentially borrowing against the positive equity your home has. If you do not have positive equity in your home you may not be able to use a home equity loan. In most cases, you need good to excellent credit to qualify for home equity loans.

Can I get a pool loan with bad credit?

If you have bad credit you may qualify for a personal loan that can be used for pool financing. However, you may have trouble borrowing enough for an inground pool. Applying for loan amounts more favorable for above ground pools may increase your chance of approval. If you have bad credit you should do your research before applying for a loan. One of the worst things you can do is apply with multiple lenders as an act of desperation to get approved. Acorn Finance allows you to submit one application that does not affect your credit. After the application is submitted you can receive multiple personalized loan offers from lenders. Acorn Finance works with lenders that can assist all credit types.

Does putting in a pool increase home value?

Most buyers find a home with a pool more desirable – but not all buyers. Some buyers may see the pool as extra maintenance and liability. Other buyers may see the pool as a private space to cool down, relax, entertain, and have fun. In most cases having a pool can increase your home’s value by about 7%.

Are Pool Loans Tax Deductible?

Unfortunately the interest paid on pool loans do not qualify for tax deductions when filing. When adding a pool to your home, it does often increase the overall value of your home. Your additional cost of building the pool can be added to your home value in your personal records to help with taxes if you ever sell the home.

Is financing a pool into your mortgage a good idea?

If you are going to finance a pool and can qualify for a home improvement loan or home equity loan it can be a good idea. Home improvement loans can be merged into your mortgage and usually offer very competitive interest rates.

What Type Of Loan Is Best For A Pool?

Home Equity Loans

Home equity loans are a secured loan that uses your home’s equity as collateral. Compared to a personal loan, there may be more risk involved when using a home equity loan. The equity of your home is calculated by taking your home’s current value and subtracting what you’ve paid so far toward your mortgage.

Let’s take a look at the pros and cons of a home equity loan.

  • Interest rates are typically fixed
  • Proceeds from loan are typically received in a lump sum
  • Money can be used for just about anything
  • Interest rates can be lower than a personal loan because you’re borrowing with collateral
  • Tax benefits
  • Possessions may be lost if you fall behind on payments
  • Closing costs and fees
  • Increased risk of going “underwater” if home value decreases

Personal Loans

Personal loans are available for all types of credit and can be used for pool financing. Although rates may be higher compared to secured loans, most personal loans don’t require any collateral. Personal loans are often easier to secure and tend to be less risky than comparable options.

If you decide to take a personal loan for pool financing, it’s important to compare lenders. Acorn Finance is a reputable company that offers free services. Their services allow you to input your information to one application and receive offers from multiple lenders.

Let’s take a look at the pros and cons of a personal loan for pool financing.

  • Simple application and approval process
  • No collateral needed
  • Fixed interest rate for the duration of the loan (in most cases)
  • Competitive interest rates
  • Borrow almost any amount (typically between $1,500 – $100,000)
  • Generous amount of time allowed to repay loan
  • Quick funding
  • Interest rates may be slightly higher than comparable options
  • Credit history necessary in most cases
  • Fixed payments
  • Many personal loans have origination fees
  • Some personal loans come with prepayment penalties

Pool Dealer Financing

Pool dealers can assist you with financing by forwarding your information to lenders. In most cases, dealer arranged financing typically costs more than other available options.

  • Loans can be secured or unsecured
  • Fast application process
  • Convenient
  • Typically costs more than comparable options
  • Limited options available
  • More difficult to shop for the best rates

Pool Dealer Financing vs Personal Loans: What’s the Difference?

When you obtain pool financing through a dealer you enlist a middle man. So, what does this mean? In most cases it means your rate will go up. In addition, the dealer may not have or clearly understand all the details related to your approval. Using a pool dealer for financing means you complete an application and they forward it to their limited amount of lending partners.

When you use a personal loan, you submit one application and are connected to multiple lenders with competitive offers. This allows you to shop for the best deal and score a lower interest rate in most cases.


In conclusion, a personal loan may be your best option when it comes to financing a swimming pool. It may offer better rates than financing through a pool dealer and doesn’t put your home at risk like a secured or home equity loan can. Applying for a personal loan for pool financing is a simple process and funds may be made available in as little as 24-hours. What are you waiting for? Make a splash and apply for a pool loan today!

Are You A Contractor?

Stop letting swimming pool deals slip away.

Get swimming pool loans with easy, affordable financing options for your customers