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Swimming Pool Loans

Finance your new swimming pool

A pool loan can help you build your backyard oasis while boosting your home's value and curb appeal. OneMain Financial offers pool financing options from $1,500-$20,000.1

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This won’t affect your credit score.

What you get with OneMain Financial pool loans

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Loans that work for your budget

Fixed payments and clear, upfront terms.

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Money right when you need it

Quick decision. Money as fast as 1 hour after loan closing.2

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Support from start to finish

Real people in branches, on the phone and ready to help online.

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Dive into your home improvement project with a pool loan

A swimming pool can provide you and your family years of entertainment and relaxation. Financing a pool with a pool loan can help you cover the initial investment and maintenance costs. Learn how financing a pool with OneMain can help you complete your home improvement project.

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Checking won’t affect your credit score.

What are pool loans?

OneMain’s pool loans are personal loans that can be used to finance the construction and maintenance of swimming pools without requiring you to use the equity of your home. Interest rates and conditions may vary according to your credit history and financial standing, but even those with less than perfect credit are welcome to apply.1

Types of pool loans from OneMain Financial

OneMain offers pool loans that can mean fast approval, clear terms and manageable monthly payments.

Depending on the state where you live and the type of pool you wish to build, pools can range in price. You can get pool financing for:

  • Vinyl pools
  • Fiberglass pools
  • Concrete pools
  • In-ground pools
  • Above-ground pools

Annual maintenance costs can vary depending on the size of the pool and how much you use it throughout the year. Keep these costs in mind when seeking pool financing.

See how you can stretch your budget with a personal loan

Whether you need to cover car repairs, vet visits, dream getaways, or just want to breathe a little easier with debt consolidation, our personal loans are built to fit your needs.3,4

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Customers have relied on OneMain for over 100 years

Here are some of our favorite shoutouts.5

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Want more info on personal loans for pools? We have plenty:

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Answers to common question

Repayment of your pool loan will depend on the amount you have borrowed, the terms offered by your lender and your own financial circumstances. Most OneMain Financial loans are paid off in 2 to 5 years.

Yes, pool loans can affect your credit score. Following prequalification, if you decide to move forward, OneMain (like all lenders) will request to see your credit report. This step is called a hard inquiry and may cause your score to dip, but usually only temporarily. On the other hand, checking for prequalified offers does not involve hard inquiries or impact your credit score.

Additionally, if you pay your loan on time every month, a pool loan can help build your credit history and credit score. However, if you fail to repay your loan on time every month, your credit score can decrease.

If you are a OneMain customer and are having trouble repaying your loan, contact OneMain’s loan specialists to discuss repayment options.

People with all types of credit scores – bad, good and excellent – can potentially finance a pool. Eligibility requirements vary, and OneMain Financial lends to people with a variety of credit scores.

Secured pool loans can be a great financing option and may have lower interest rates compared to unsecured loans. As with any secured loan, you’ll be required to put up some type of collateral (like a car) to “secure” repayment of your loan.

OneMain offers secured loans backed by collateral such as a car.

Pool loan interest rates at OneMain are typically fixed, which helps provide predictable monthly payments. The pool loan interest rate you receive will vary depending on your credit score and other factors.

More questions? Check out more FAQs.