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How Do I Finance An Inground Pool?

Understanding that the majority of our customers finance their pool in one way, shape, or form, we at River Pools and Spas want to help you understand the task of pool financing and how it typically works for most homeowners.

Pool customers pay for their swimming pools in a variety of manners. Some of the routes typically taken are:

  • Home Equity Line
  • Second Mortgage
  • Unsecured Loan
  • Out of Pocket (cash)
  • Credit Card

***Pool Financing Tip: If you are planning to finance a large portion of your project, be sure to get pre-approval before having companies out for estimates. Many times folks have their dream pool all lined up only to find out they cannot secure the necessary financing. You can check out our pool pricing guide to determine your budget range.


Home Equity Lines & Second Mortgages

Of all listed, the most popular methods are second mortgages and equity lines which allow home owners to borrow against the equity in their homes. These are relatively easy to secure and have competitive rates.


Unsecured Loan

For those persons who a 2nd mortgage or home-equity line is not an option, there is still hope. Unsecured loans do not require home equity, but you will need solid credit.

If this seems like an option for you, we would suggest contacting Lightstream, a Division of Suntrust that specializes in swimming pool loans. There is also AMS Financial, who works with at least five lending agencies who specialize in pool loans.

Simply check out the information and links below to find out how to apply, calculate monthly payments, and learn other benefits such as:

  • Low fixed rates from 4.74% - 13.04% APR*‡ with AutoPay (reflects program's exclusive discount incentive)
  • Flexible loan terms from 24 months up to 144 months*
  • Loan amounts from $5,000 to $100,000**
  • No fees
  • Response in minutes during business hours
  • Funds in your account as soon as today†
  • Joint applications accepted
  • Available in all 50 states
  • Funds can be used to finance any part of your project


Pool Loan and Financing Resources:

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