How to Finance an Above-Ground Pool

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Can you finance an above-ground pool?
Ways to finance an above-ground pool
Pool loans
Pros and cons of financing for an above-ground pool with pool loans
Pros
No collateral required.
Fixed APR and monthly payments.
Fast funding.
Cons
Starting loan amounts can be high.
Rates can be high.
May charge an origination fee.
Can’t request more funds for surprise expenses or additions.
Home equity options
Pros and cons of financing for an above-ground pool with equity
Pros
Lower interest rates than personal loans.
Borrowed home equity can increase your home’s value.
Home equity loans have predictable payment amounts.
Cons
May take longer to get approval and fund.
Home equity loans only cover a fixed amount.
A HELOC has a variable interest rate, so your monthly payment could change.
HELOC & Home Equity Loans from our partners

on Figure

640
$400,000

on New American Funding

580
$750,000
on Upstart Mortgage LLC
600
$250,000
Credit card
Pros and cons of financing an above-ground pool with a credit card
Pros
Can be used nearly everywhere.
Allows for a fast purchase.
Can be interest-free if paid off in full each month or if you qualify for a 0% card.
Cons
Need good or excellent credit to qualify.
Interest rates are variable.
High interest rates can make the cost more expensive.
Pool retailer financing
Pros and cons of pool retailer financing for an above-ground pool
Pros
Purchase and financing through the same company.
Low rates.
Cons
Not available with all pool retailers.
Financing may only be available on certain pool models.
May have a minimum credit score.
Buy now, pay later
Pros and cons of financing for an above-ground pool with buy now, pay later
Pros
Zero-interest plans available.
No minimum credit score required.
Available at major retailers online and in-store.
Fixed term and payments.
Cons
Some plans may charge fees.
Longer-term plans may charge interest.
Returns can be difficult.
How much is an above-ground pool?
Article sources
- 1. Consumer Financial Protection Bureau. Consumer Use of Buy Now, Pay Later and Other Unsecured Debt. Accessed Jan 24, 2025.
- 2. Consumer Financial Protection Bureau. What Is a Debt Relief Program and How Do I Know if I Should Use One?. Accessed Jan 16, 2025.
- 3. Internal Revenue Service. Retirement Topics - Plan Loans. Accessed Apr 8, 2025.
- 4. Center for Responsible Lending. Unsafe Harbor: The Persistent Harms of High-Cost Lending. Accessed Jun 6, 2025.
- 5. Angi.com. How Much Does It Cost to Make My Home Accessible?. Accessed Nov 12, 2024.
- 6. National Credit Union Administration. Payday Alternative Loans Final Rule. Accessed Apr 17, 2025.
- 7. Federal Reserve Bank of St. Louis. Finance Rate on Personal Loans at Commercial Banks, 24 Month Loan. Accessed May 23, 2025.
- 8. National Credit Union Administration. Credit Union and Bank Rates 2024 Q4. Accessed May 23, 2025.
- 9. National Bureau of Economic Research. Prodigals and Projecture: An Economic History of Usury Laws in the United States from Colonial Times to 1900. Accessed May 2, 2025.
- 10. Federal Register. Federal Interest Rate Authority: A Rule by the Federal Deposit Insurance Corporation on 07/22/2020. Accessed May 2, 2025.
- 11. Federal Reserve. Military Lending Act. Accessed May 2, 2025.
- 12. Center for Responsible Lending. Unsafe Harbor: The Persistent Harms of High-Cost Installment Loans. Accessed May 2, 2025.
- 13. Internal Revenue Service. Home energy tax credits. Accessed Mar 6, 2024.
- 14. Solar Energy Industries Association. Solar Power Purchase Agreements. Accessed Mar 7, 2024.
- 15. SolarReviews.com. Homes with Solar Sell for 6.8% More [2024 Zillow Data Study]. Accessed Dec 10, 2024.
- 1. Consumer Financial Protection Bureau. Consumer Use of Buy Now, Pay Later and Other Unsecured Debt. Accessed Jan 27, 2025.
- 17. Consumer Financial Protection Bureau. What is a payday loan?. Accessed Apr 4, 2025.
- 18. The Pew Charitable Trusts. Payday Loans Cost 4 Times More in States With Few Consumer Protections. Accessed Apr 4, 2025.
- 11. Federal Reserve. Military Lending Act. Accessed Apr 4, 2025.
- 20. Internal Revenue Service. Canceled debt – Is it taxable or not?. Accessed Apr 1, 2025.
- 21. Internal Revenue Service. Retirement topics: Exceptions to tax on early distributions. Accessed Apr 8, 2025.
- 22. Administrative Office of the U.S. Courts. Bankruptcy Basics. Accessed Apr 8, 2025.
- 23. Consumer Financial Protection Bureau. What are the costs and fees for a payday loan?. Accessed Jun 6, 2025.
- 17. Consumer Financial Protection Bureau. What is a payday loan?. Accessed Apr 17, 2025.
- 25. Experian and Oliver Wyman. Financial Inclusion and Access to Credit. Accessed Jan 23, 2025.
HELOC & Home Equity Loans from our partners

on Figure

640
$400,000

on New American Funding

580
$750,000
on Upstart Mortgage LLC
600
$250,000
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