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Pool Financing

Pool Contractor > Pool Financing

Finding a Swimming Pool Loan

At, we understand that turning your backyard dreams into reality requires the right financial support. That’s why we’ve partnered with the leading lenders in the industry to make it easy for you to find the swimming pool loan you need.

Over the past five years, the price of swimming pools has experienced a substantial increase, with costs rising approximately 40-50%. This surge in pricing can be attributed to various factors, including the increased demand for home improvement projects, rising material costs, labor shortages, and the desire for more sophisticated pool designs and features.

Why Financing a Pool Makes Sense

With the substantial increase in pool prices, financing provides an opportunity for buyers to preserve their savings. Rather than depleting a significant portion of their cash reserves, homeowners can use financing to distribute the costs over time.

Financing options come with a variety of repayment plans, including fixed-rate loans, variable-rate loans, and flexible terms. This flexibility allows buyers to choose a financing option that aligns with their budget and financial goals, making the construction of a pool more accessible.

Pool Financing

About Pool Financing

Why Get Swimming Pool Financing?

Financing is often essential for individuals looking to complete a pool or outdoor living project due to several reasons:

  1. High Initial Costs: The upfront costs associated with installing a pool or creating an outdoor living space can be substantial. This includes expenses for excavation, materials, labor, permits, and equipment. Financing allows homeowners to spread these costs over time, making the project more financially manageable.
  2. Complexity of Outdoor Projects: Outdoor projects, especially those involving pools or intricate landscaping, can be complex and require specialized expertise. Financing enables homeowners to hire experienced professionals and ensures that the project is executed to the highest standards without compromising on quality.
  3. Increased Property Value: Investing in a pool or outdoor living space can significantly enhance the value of a property. Financing allows homeowners to make these improvements without depleting their savings, with the potential for a substantial return on investment when the property is sold.
  4. Customization and Upgrades: Homeowners often have specific design preferences and desires for their outdoor spaces. Financing provides the flexibility to incorporate custom features, high-quality materials, and the latest technologies, allowing individuals to create a personalized and luxurious oasis.
  5. Unexpected Expenses: Construction projects, including outdoor projects, may encounter unexpected challenges or unforeseen costs. Having financing in place provides a financial safety net, ensuring that homeowners can address any unexpected expenses without derailing the entire project.
  6. Quick Project Completion: Some homeowners prefer to complete their outdoor projects quickly rather than waiting until they have saved enough funds. Financing enables them to start and finish the project promptly, allowing them to enjoy their new outdoor space sooner.
  7. Seasonal Considerations: Outdoor projects often depend on favorable weather conditions. Financing allows homeowners to start their projects during the optimal season, ensuring that the construction process is not delayed due to financial constraints.
  8. Flexible Repayment Options: Financing offers various repayment options, including fixed-rate loans, variable-rate loans, and flexible terms. This allows homeowners to choose a financing plan that aligns with their financial situation and ensures that they can comfortably meet their repayment obligations.
  9. Energy-Efficient Upgrades: Financing provides an opportunity for homeowners to incorporate energy-efficient features into their outdoor projects. This includes energy-efficient pool equipment, lighting, and landscaping, which can result in long-term cost savings on utility bills.
  10. Lifestyle Enhancement: An outdoor living space, complete with a pool, can significantly enhance the homeowner’s lifestyle. Financing makes it possible for individuals to invest in the features and amenities that align with their vision for the perfect outdoor retreat.

Do I Qualify For Pool Financing?

The best possible candidate for pool financing typically exhibits certain characteristics and financial situations that align with the benefits and terms offered by financing options. Here are some traits that make an individual an ideal candidate for pool financing:

  1. Homeownership: Pool financing is usually tailored for homeowners. Individuals who own their homes have an asset that can be used as collateral, making them more eligible for favorable financing terms.
  2. Stable Income: A stable and reliable source of income is crucial for qualifying for pool financing. Lenders often assess the borrower’s ability to repay the loan, and a consistent income stream is a key indicator of financial stability.
  3. Good Credit History: A positive credit history is a significant factor in determining eligibility for pool financing. Borrowers with good credit scores are more likely to secure favorable interest rates and terms. However, some financing options may cater to individuals with varying credit profiles.
  4. Debt-to-Income Ratio: Lenders typically evaluate the borrower’s debt-to-income ratio, which is the proportion of monthly income dedicated to debt payments. A lower debt-to-income ratio increases the likelihood of loan approval.
  5. Financial Responsibility: Individuals who demonstrate financial responsibility, such as making timely payments on existing debts and managing credit wisely, are viewed more favorably by lenders. Responsible financial behavior is indicative of a borrower’s ability to handle additional credit responsibly.
  6. Clear Understanding of Costs: A candidate who has a clear understanding of the costs associated with pool installation and maintenance is better prepared for the financial commitment. This includes not only the construction costs but also ongoing expenses like maintenance, utilities, and potential repairs.
  7. Long-Term Homeownership Plans: Those with a long-term commitment to homeownership and plans to stay in their current residence for an extended period may find pool financing more appealing. The investment in a pool becomes more justifiable when viewed as a long-term enhancement to the property.
  8. Desire for Value-Adding Investments: Candidates who view a pool as a value-adding investment to their property and lifestyle are often motivated to seek financing. They see the pool as an improvement that will increase the overall value of their home.
  9. Clear Project Vision: Individuals with a well-defined vision for their pool or outdoor living project are good candidates for financing. This includes a clear understanding of the desired features, design elements, and landscaping, which can be effectively financed to bring the vision to life.
  10. Flexible Budgeting: A willingness to incorporate pool financing into one’s budget demonstrates financial flexibility. Candidates who are open to exploring financing options and integrating them into their overall financial plan are more likely to navigate the loan responsibly.

How Much Do I Qualify For?

To determine how much you qualify for when applying for pool financing through Viking Capital, you’ll need to follow these steps:

  1. Select Financing Option: Choose the financing option that aligns with your needs. This will guide you to the application process.
  2. Apply with Viking Capital: As part of the financing process, you’ll apply with Viking Capital, our trusted financing partner. The application will involve providing some personal and financial information.
  3. Soft Credit Check: It’s important to note that Viking Capital conducts a soft credit check during the application process. This type of credit inquiry does not impact your credit history or credit score. A soft credit check is a preliminary assessment that helps determine your eligibility for a loan without leaving a mark on your credit report.
  4. Determine Approval Amount: Based on the information provided in your application and the results of the soft credit check, Viking Capital will work to determine the amount for which you qualify. This amount will depend on various factors, including your creditworthiness, income, and financial stability.
  5. Review Financing Terms: Once your application is processed, Viking Capital will provide you with the details of your financing offer, including the approved amount, interest rate, and repayment terms. Take the time to carefully review these terms to ensure they align with your financial goals.
  6. Accept the Offer: If you are satisfied with the financing terms provided by Viking Capital, you can proceed to accept the offer. This initiates the finalization of the loan agreement.

By following these steps, you’ll be able to determine the amount for which you qualify to finance your pool or outdoor living project. The soft credit check ensures that you can explore your financing options without any negative impact on your credit history. It’s a convenient and risk-free way to assess your eligibility and secure the funding you need to turn your backyard dreams into reality.

What Rates Do You Offer?

It’s important to note that acts as a platform to connect users with financing options, and we are not a direct lender. Viking Capital is our trusted financing partner, specializing in pool and outdoor project financing.

For specific details on rates, loans, terms, and conditions, we recommend visiting Viking Capital’s website directly. Their website will provide comprehensive information on the financing options available, ensuring that you have access to all the details necessary to make informed decisions about your loan.

Viking Capital’s website will outline the specifics of their financing offerings, allowing you to review interest rates, repayment terms, and any additional conditions associated with the loans. This transparency is crucial in helping you understand the financial aspects of your pool project financing and ensuring that the terms are suitable for your individual needs.

Remember that Viking Capital is dedicated to securing the best possible rates for qualified borrowers, and they work to tailor financing solutions that align with your specific requirements. Visiting their website will provide you with the most up-to-date and accurate information regarding their financing options, ensuring a transparent and informed financing process for your pool or outdoor living project.

More Information About Pool Financing

1. Trusted Lenders:

We have carefully selected and affiliated ourselves with the most reputable lenders in the business. These lenders specialize in financing backyard projects, ensuring that you get the support you need from professionals who understand the unique aspects of pool and spa installations.


2. Effortless Application Process:

Applying for financing through is a breeze. Our user-friendly platform allows you to easily navigate through the application process, ensuring a seamless experience from start to finish.


3. Viking Capital Partnership:

As part of our commitment to providing you with the best financing options, we’ve teamed up with Viking Capital, a trusted name in the financing industry. With Viking Capital, you can expect a straightforward application process and personalized service tailored to your needs.


4. Soft Credit Checks:

Worried about the impact of a credit check on your score? Fear not., through Viking Capital, conducts soft credit checks during the application process. This means you can explore your financing options without affecting your credit score.


5. Competitive Rates:

Viking Capital works tirelessly to secure the best possible rates for our customers. We understand that financing is a significant aspect of your backyard project, and we are committed to helping you get the most favorable terms available.


6. High Approval Amounts:

Viking Capital doesn’t just stop at getting you competitive rates; they also strive to secure the highest approval amounts for qualified homeowners. This ensures that you have the financial means to bring your dream backyard to life.

Learn More About Pool Financing

How to Apply For Pool Financing:

  1. Select Financing Option: When you’re ready to finance your project, choose the financing options and begin the application process.
  2. Apply with Viking Capital: Complete the application with our trusted financing partner, Viking Capital. The soft credit check will determine your eligibility, and their team will work diligently to secure the best rates and approval amounts for you.
  3. Enjoy Your Backyard Oasis: Once approved, you can focus on what matters most – transforming your backyard into the oasis you’ve always dreamed of.

Don’t let financing be a barrier to creating the backyard of your dreams. Trust to connect you with leading lenders and make the financing process as smooth as possible. Apply today and take the first step toward your dream backyard!

Pool Financing - Viking Capital