Pool Loans & Financing Options

Pool loans and financing let you build now and pay for your pool over time instead of paying the full cost upfront. Schiller Pools arranges financing for new pool construction and full backyard projects through our lending partner, Swimming Pool Financing. Apply once, get a decision, and start your build, or call (561) 475-5997.

1How to Finance a Pool

Financing a pool takes three steps: apply with our lending partner, review your approval and terms, and schedule your build.

1. Apply. Complete the application with our lending partner. Have proof of income, identification, and homeownership documents ready, because a complete application moves faster than one the lender has to chase.
2. Review your terms. The lender responds with the amount, rate, and repayment terms you qualify for. Nothing is final until you accept, and you are free to compare the offer against your bank or credit union.
3. Start your build. Once you accept, financing is in place and we schedule your project. Your design consultation can happen while the application is in process, so approval and planning run in parallel rather than one after the other.

You are never required to finance through us. Some of our customers pay cash, some use home equity, and some use their own bank. The next section compares those routes honestly.

2Pool Loan vs. Home Equity vs. Cash: Which Way to Pay

The three main pool financing options are a pool loan through a lender, borrowing against your home, and paying cash, and the right one depends on your equity, your credit profile, and how fast you want to start.

Pool loan vs. HELOC vs. cash: how they compare

A pool loan keeps your home out of the transaction and moves at the speed of a credit decision. A home equity loan for pool construction or a HELOC can make sense when you have meaningful equity, though it puts your house behind the debt and adds appraisal and closing steps before money moves. Cash costs nothing in interest but drains reserves you may want for the rest of the backyard. Many of our customers choose the pool loan route for exactly that reason: savings stay intact and the payment is a known monthly number.

3Our Financing Partner

Schiller Pools partners with Swimming Pool Financing, a pool financing specialist, to give our customers financing with flexible repayment terms matched to the size of the build. Pool financing companies range from national personal lenders to pool specialists, and a lender that works on pool projects every day already understands construction schedules, staged funding, and what a finished pool does for a property. The application assumes a pool from the first field instead of treating your build like an unusual request.

4Pool Loan Rates and Monthly Payments

Pool loan rates are set by the lender based on your credit score, the amount you borrow, and the repayment term you choose, so two neighbors building the same pool can hold two different rates. Published averages age quickly, and the current average APR for swimming pool loans at any given moment tells you less than the one number that matters: the rate on your own approval.

Three things reliably shape that number. A stronger credit score earns a lower rate. A shorter term raises the monthly payment but cuts total interest paid. A larger loan amount spreads fixed costs but increases what interest compounds on. Unsecured pool loan rates also run differently from secured borrowing like home equity, because the lender carries more risk without collateral.

The honest way to learn your monthly payment is a real quote against your real credit profile, which the application provides without obligation. Lists of the best pool loans rank lenders by advertised rates, but the offer priced on your own credit is the number that decides. Submit the application, read the terms, and decide with actual numbers instead of internet averages.

5What Pool Financing Covers

Financing through our partner covers the complete project, not just the pool shell. That includes new inground pool construction, and it extends to full backyard renovation work: hardscaping, outdoor kitchens, and landscaping, combined into one project with one monthly payment. If the plan is a pool this year and pavers next year, folding both into a single financed project usually beats running two separate purchases with two separate approvals.

Tell us the full scope during your design consultation. Scoping the entire project before you apply means the loan request matches the real build, and you avoid a second application later for the parts you already knew you wanted.

6Why Finance Through Your Pool Builder

Financing arranged alongside your builder means the money and the build are scoped by people looking at the same plan. Schiller Pools has built pools for more than 40 years under founder Dean Schiller, holds a Florida Certified Pool and Spa Contractor license verified active with the state licensing board, and is an authorized dealer for San Juan Pools and Latham fiberglass pools. Our work earned a 2025 Award of Excellence, Silver, from the Pool & Hot Tub Alliance.

That matters to your loan for a plain reason: a financed project that stalls, changes price in the middle of the build, or gets abandoned by an unlicensed crew leaves you repaying a loan on an unfinished hole. A licensed, established builder is what makes the debt worth carrying. Verify the license yourself on the state licensing board public search before you sign anything, with us or with anyone else. A builder who hesitates when you ask for a license number is answering a different question.

Financing FAQs