Are you dreaming of lounging by your pool, soaking up the sun on lazy summer afternoons? But the thought of financing a pool may seem daunting. Dont worry! We’re here to demystify the process and help you easily navigate the waters of pool financing.

What are The Pool Building Costs?

Before learning about pool financing, it’s crucial to grasp the costs of pool building. Pool costs vary significantly based on size, materials, design, and additional features. On average, building an in-ground pool costs $30,000 to $70,000, with luxury pools exceeding $100,000.

Factors influencing pool costs include

1. Pool Size and Shape

Larger pools and custom shapes typically incur higher costs due to increased materials and labor.

2. Materials

The choice of pool materials, such as fiberglass, vinyl, or concrete, impacts both the initial construction cost and long-term maintenance expenses.

3. Site Preparation

Site excavation, leveling, and landscaping can add to pool-building expenses.

4. Additional Features

Features like waterfalls, spas, lighting, and automation systems contribute to the final price tag.

Exploring Pool Financing Options

Let’s explore pool financing options now that you know pool building costs. Apricity Pools offers various financing solutions tailored to meet your needs and budget.

1. Home Equity Loans

Leveraging the equity in your home through a home equity loan or home equity line of credit (HELOC) is a common way to finance a pool. These loans typically offer lower interest rates and longer repayment than unsecured loans.

2. Personal Loans

Personal loans are another option for pool financing, providing flexibility and quick access to funds. While interest rates may be higher than home equity loans, personal loans don’t require collateral and can be used for various purposes.

3. Pool Loans

Some financial institutions specialize in pool loans, offering dedicated financing options for pool construction and renovations. These loans may have competitive rates and terms specific to pool projects.

4. Cash-Out Refinancing

If you have significant equity in your home, cash-out refinancing allows you to refinance your mortgage for a higher amount than you owe and receive the difference in cash. This option is viable for financing a pool while lowering your mortgage interest rate.

5. Manufacturer or Dealer Financing

Pool manufacturers or dealers may offer financing options to their customers, including promotional deals and special financing terms. It’s essential to compare these offers with other financing options to ensure you’re getting the best deal.


1. How much does a pool cost to maintain annually?

On average, homeowners can expect to spend between $500 to $1,500 per year on pool maintenance, including chemicals, cleaning, and utilities.

2. Are there any tax benefits to financing a pool?

Sometimes, the interest paid on a home equity loan or HELOC used for home improvements, including pool construction, may be tax-deductible. Consult with a tax advisor to explore potential tax benefits.

3. What factors affect pool loan interest rates?

Pool loan interest rates can be influenced by factors such as credit score, loan amount, loan term, and the lender’s policies. Maintaining a good credit score and comparing multiple lenders can help secure favorable rates.

4. Can I finance additional features or landscaping along with the pool?

Yes, many financing options allow for financing the pool and additional features such as landscaping, hardscaping, and outdoor amenities. Discuss your specific needs with your lender to explore financing options for the entire project.

5. How long does the pool financing approval process typically take?

The approval process for pool financing can vary depending on the lender and the complexity of the loan. It may take a few days to a few weeks to complete the application, underwriting, and approval process.


Financing a pool doesn’t have to be a daunting task. By understanding pool building costs and exploring various financing options, you can turn your dream of owning a pool into a reality. With Apricity Pools by your side, you can dive into pool ownership with confidence and ease. Transform your backyard today!