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Price Your Pool

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 finance their swimming pools in a variety of manners. Some of the routes typically taken are:

  • Home Equity Line
  • Second Mortgage
  • Unsecured Loan
  • 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.
HFS Financial can conditionally approve you AND provide rate/term/monthly payment options without any impact on your credit. This is a GREAT way to begin your journey towards a dream backyard!


Unsecured Loan

Approximately 70% of consumers are eligible for an unsecured loan which makes them a great option. Companies like HFS Financial will assess your credit and Debt-to-income ratio when considering you for a loan.  Unlike second mortgage products, unsecured loans do not require home equity,

If this seems like an option for you, we would suggest contacting HFS Financial about their home improvement and swimming pool loan options.  

Simply click here to calculate estimated monthly payment and apply without any impact on credit. 

  • Loan terms of up to 20 years
  • Loan amounts up to $500,000
  • 60-second loan inquiry
  • No impact on credit to apply
  • Low fixed rates
  • Options for varying credit situations
  • Available lenders in all 50 states
  • Finance your entire project or just a portion

Home Equity Lines & Second Mortgages

Some other options available 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.


Pool Loan and Financing Resources:

Note: This page was updated 6/16/22.

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