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Pool Loan Calculator: See Your Monthly Pool Payments
Calculate your monthly payments to see how a pool loan fits into your budget. Compare offers to find the best rate.
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NerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible.
Annie Millerbernd is a former assistant assigning editor and NerdWallet authority on personal loans. She has been a journalist for nearly a decade. Before joining NerdWallet in 2019, she worked as a news reporter in Minnesota, North Dakota, California, and Texas, and as a digital content specialist at USAA. Annie's work has been cited by the Northwestern University Law Review and Harvard Kennedy School. Her work has been featured in The Associated Press, USA Today and MarketWatch. She’s also been quoted in New York magazine and appeared on NerdWallet's "Smart Money" podcast as well as local TV and radio. She is based in Austin, Texas.
Kim Lowe is Head of Content for NerdWallet's Personal and Student Loans team. She joined NerdWallet in 2016 after 15 years at MSN.com, where she held various content roles including editor-in-chief of the health and food sections. Kim started her career as a writer for print and web publications that covered the mortgage, supermarket and restaurant industries. Kim earned a bachelor's degree in journalism from the University of Iowa and a Master of Business Administration from the University of Washington. She works from her home near Portland, Oregon.
Ronita Choudhuri-Wade is a former NerdWallet writer covering personal loans. Before joining NerdWallet, Ronita was a freelance writer for the fintech company Wise (formerly TransferWise) on global money transfers and banking internationally. She was previously a senior internal wholesaler at MainStay Investments, holding her Series 6, 65, 63 and 7 licenses. Ronita graduated from New York University and has a master’s degree in globalization and development from the University of Manchester in the United Kingdom. Ronita currently lives in Tulsa, Oklahoma.
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A pool loan calculator shows estimated monthly payments and total interest costs, based on the loan amount, interest rate and repayment term you choose.
Use this calculator to see your monthly pool loan payments and determine what an affordable loan looks like.
Total loan paymentsThe total interest costs, plus the amount borrowed.$0.00
Payoff date- / -
Show amortization schedule
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Understanding your pool loan calculator results
Monthly payment: What you can expect to pay each month. A longer term can lower your monthly payments but increase the total interest.
Total interest payments: The amount you will pay to a lender in interest based on the loan’s rate and term.
Total loan payments: The amount of money you'll have repaid at the end of the loan. This number depends on the amount you borrow and your interest rate.
Payoff date: The month and year you’re expected to make the final loan payment.
Pool loan rates
When you finance with a personal loan, your annual percentage rate can be anywhere from 6% to 36%, and some lenders will finance up to $100,000 over a two- to 12-year repayment term.
Your credit score is an important factor lenders consider when they decide your loan amount and rate. Lenders also review your income and existing debt when you apply for a loan.
Here are estimated rates for each credit score range.
Borrower credit rating
Score range
Estimated APR
Excellent
Any score in the high 700s or higher.
12.74%.
Good
Any score from the mid-600s to mid-700s.
16.61%.
Fair
Any score in the mid-500s to low 600s.
19.92%.
Bad
Scores from 300 to the high 500s.
21.64%.
Source: Average rates are based on aggregate, anonymized offer data from users who pre-qualified through NerdWallet from Feb. 1, 2025, through Feb. 28, 2025. Rates are estimates only and not specific to any lender. The lowest credit scores — usually below 500 — are unlikely to qualify. Information in this table applies only to lenders with maximum APRs below 36%.
Pool loan calculation examples
Here are two pool loan examples. The loan amount, repayment term and APR you input will give you different monthly payments and total amount repaid.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
APRRates displayed are fixed and include all discounts.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
APRRates displayed are fixed and include all discounts.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
APRRates displayed are fixed and include all discounts.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
APRRates displayed are fixed and include all discounts.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
APRRates displayed are fixed and include all discounts.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
Here are the top features to consider as you compare offers.
APR
A loan’s annual percentage rate is the best apples-to-apples comparison for personal loans because it includes the interest rate and other fees a lender charges. Use this number to compare multiple personal loan offers with other financing options like home equity loans.
Most personal loan terms are two to seven years, but some lenders offer extended repayment terms on home improvement loans. Your repayment term helps to determine the loan’s monthly payment and total interest costs.
Funding time
Many lenders say they can fund a loan within one to three business days after your application is approved. Most loans are funded within a week.
Pre-qualification
A lender may let you pre-qualify to see your potential rate, loan amount and repayment term without affecting your credit score. You can pre-qualify with multiple lenders on NerdWallet to gather estimates of your monthly pool loan payments.
Need help with a big purchase? See if you pre-qualify for a personal loan
Just answer a few questions to get personalized results from our lending partners.
on NerdWallet
How much does it cost to build a pool?
It costs $44,500 to $87,000 to install an in-ground pool, according to Angi, a home services platform. An above-ground pool can run you from $1,000 to $6,000. The price can vary based on the size of the pool and the materials you use.
