Best Swimming Pool Loans in 2025

If you want the lower rates of a home equity loan or HELOC without having to use your home as collateral, check out Best Egg’s secured loans for your pool loan. Best Egg offers cheaper rates when you use your home’s permanent fixtures (like cabinets or lighting) as collateral.

But Best Egg loans do come at a price: You’ll need to pay a one-time origination fee, which Best Egg will keep before sending you your loan money. And if you need a large pool loan, consider LightStream or SoFi — you can only borrow up to $50,000 with Best Egg.

Best Egg uses your home’s permanent fixtures as collateral, but no appraisal is needed. Instead, Best Egg will review your credit history and home equity to see if you qualify.

You’ll also need meet the requirements below to qualify for a Best Egg loan:

• Age: Be of legal age to borrow in your state of residence
• Citizenship: Be a U.S. citizen or permanent resident living in the U.S.
• Administrative: Have a personal checking account, email address and physical address
• Residency: Not live in the District of Columbia, Iowa, Vermont, West Virginia or U.S. territories
• Credit score: 580+

LightStream is hard to beat when it comes to pool loans. In fact, LightStream’s Rate Beat program is designed to blow competitors out of the water — LightStream will beat a competitor’s rate by 0.10 percentage points, as long as the loan offer meets certain criteria. Plus, LightStream offers quick loans with no fees, which could make your loan cheaper and more convenient.

But not everyone will qualify for a loan with LightStream: You’ll need good or excellent credit to meet their eligibility requirements. Plus, LightStream does a hard credit check before showing you rates, so you can’t see what you’re eligible for without taking a hit to your credit.

LightStream doesn’t specify its exact credit score requirements, but you’ll need to have good to excellent credit to qualify. Most of the applicants that LightStream approves have the following in common:

• At least five years of on-time payments under a variety of accounts (credit cards, auto loans, etc.)
• Stable income and can handle paying their current debt obligations
• Savings, whether in a bank account, investment account or retirement account

Check your rates with Prosper if you’re worried about getting approved for your pool loan. Prosper’s loans are peer-to-peer, which tend to have better approval odds. Plus, Prosper lets you further boost your odds of approval by applying for a joint loan with a borrower who has good or excellent credit.

However, Prosper loans do come with a one-time fee of 1.00% - 9.99% of the amount you borrow. This fee will be taken out of your loan before Prosper sends it to you.

To get a loan with Prosper, you’ll need to meet the following requirements:

• Age: Be 18 or older
• Administrative: Have a U.S. bank account and Social Security number
• Residency: Not live in Iowa or West Virginia
• Credit score: 600+

If you need fast cash for your pool contractor bills, try SoFi. If you qualify, SoFi will send your money as soon as the same day, and there are no required fees. Plus, if you want to add a co-borrower to your loan to get lower rates or improve your chances of qualifying, SoFi lets you do so.

But with so many perks, it’s no wonder that SoFi loans are limited to people with good to excellent credit. Further, in order to get the lowest rates, you may have to pay an upfront origination fee.

You’ll need meet the requirements below to get a loan from SoFi:

• Age: Be the age of majority in your state (typically 18)
• Citizenship: Be a U.S. citizen, an eligible permanent resident or a non-permanent resident (a DACA recipient or asylum-seeker, for instance)
• Employment: Have a job or job offer with a start date within 90 days, or have regular income from another source
• Credit score: 680+

If you’re on the hunt for pool loan deals, check out Upgrade’s discounts. You can get a lower APR by signing up for autopay and by using your car as collateral. You won’t have to sacrifice time, either — Upgrade will send you your money in as soon as one business day.

Still, like many lenders, Upgrade charges a one-time fee on each loan. It’ll take 1.85% - 9.99% from the amount you borrow before sending you your money.

To qualify for a loan through Upgrade, you need meet the requirements below:

• Age: Be at least 18 years old (19 in some states)
• Citizenship: Be a U.S. citizen, permanent resident or live in the U.S. with a valid visa
• Administrative: Have a valid bank account and email address
• Credit score: 580+

Worried you won’t qualify for a pool loan with poor credit? Try your luck with Upstart. Upstart’s minimum credit score is 300, offering loans to borrowers with bad and fair credit. And it’s also a great option if your credit is in the excellent range — Upstart’s low starting rates could mean big savings on your pool loan.

But if you do have bad or fair credit, expect to pay APRs as high as 35.99%, including a one-time fee of 0.00% - 12.00%. And if you want to customize your loan term, consider other lenders on this list. Upstart only offers repayment terms of 36 or 60 months.

Upstart has transparent eligibility requirements, including:

• Age: Be 18 or older
• Administrative: Have a U.S. address, personal banking account, email address and Social Security number
• Income: Have a valid source of income, including a job, job offer or another regular income source
• Credit-related factors: No bankruptcies within the last three years, reasonable number of recent inquiries on your credit report and no current delinquencies
• Credit score: 300+ (unless you’re an eligible college student or graduate, in which case Upstart could approve you with no credit)