Important disclosure

Swimming Pool Loans & Finance

If the price of a new swimming pool is too hot to handle, swimming pool loans can help you splash out so you can cool off during hot summer days. To take your first dip into pool finance and ownership, compare options and calculate repayments below.

Calculate your repayments

Loan Amount

$10,000

Term

3 months

OurMoneyMarket

Low-Rate Personal Loan - Excellent Credit - Zero Fee

EST Monthly Repayment
EST Monthly Repayment
6.57%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Plenti

Unsecured Personal Loan - Exceptional Credit

EST Monthly Repayment
EST Monthly Repayment
6.57%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $50,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.
Now Finance

NOW Finance Unsecured No Fee Personal Loan

EST Monthly Repayment
EST Monthly Repayment
6.75%
Advert. Rate (p.a)
Comparison rate
Pay ZERO fees on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $8,000-$50,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. Comparison rate can vary from 6.75% to 26.95% p.a.*
Liberty

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
7.24%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Secured) - Very Good

EST Monthly Repayment
EST Monthly Repayment
6.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Unsecured) - Good

EST Monthly Repayment
EST Monthly Repayment
7.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Harmoney

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
5.76%
Advert. Rate (p.a)
Comparison rate
Get what you want, without breaking the bank. Fast, easy & 100% online. Borrow up to $70,000 unsecured. No hidden fees or early repayment penalties. Harmoney's unsecured interest rates range from 5.76% p.a. to 24.03% p.a.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Unsecured) - Average

EST Monthly Repayment
EST Monthly Repayment
8.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Liberty

Secured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
6.52%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Offering the certainty of fixed repayments at a rate just for you.
Plenti

Plenti - Personal Loan - Very Good Credit

EST Monthly Repayment
EST Monthly Repayment
12.49%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $50,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.
Liberty

Secured Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
10.34%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Offering the certainty of fixed repayments at a rate just for you.
Liberty

Unsecured Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
11.49%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.
Bankwest

Flexible Personal Loan

EST Monthly Repayment
EST Monthly Repayment
10.99%
Advert. Rate (p.a)
Comparison rate
Whatever it is you’re dreaming about, a Bankwest Flexible Personal Loan puts you in control. Pay it off early, make additional repayments and redraw additional repayments you’ve made all at no extra cost!
St.George Bank

Unsecured Personal Loan (Fixed)

EST Monthly Repayment
EST Monthly Repayment
12.99%
Advert. Rate (p.a)
Comparison rate
Whether you're taking control of your finances, planning a special event, or making a large purchase, our Unsecured Personal Loan may be the right solution.
St.George Bank

Unsecured Personal Loan (Variable)

EST Monthly Repayment
EST Monthly Repayment
12.99%
Advert. Rate (p.a)
Comparison rate
Whether you're taking control of your finances, planning a special event, or making a large purchase, our Unsecured Personal Loan may be the right solution.
Westpac

Westpac Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
11.99%
Advert. Rate (p.a)
Comparison rate
A personal loan can help you to get what you’ve always wanted. Plan ahead with a flexible loan term of between 1 and 7 years. Apply for between $4,000 and $50,000 (conditions apply). Make extra repayments to pay your loan off sooner (prepayment fee may apply). Choose a repayment frequency to suit when you get paid - weekly, fortnightly or monthly.
NAB

NAB Variable Rate Personal Loan

EST Monthly Repayment
EST Monthly Repayment
12.69%
Advert. Rate (p.a)
Comparison rate
1-7 years flexible loan term, borrow from $5,000 up to $55,000 and redraw additional repayments you've already made
NAB

NAB Fixed Rate Personal Loan

EST Monthly Repayment
EST Monthly Repayment
12.69%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 up to $55,000 for 1 to 7 years flexible loan terms
Wisr

Platinum Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
11.40%
Advert. Rate (p.a)
Comparison rate
Wisr provide personalised low rates for applicants with good credit. Borrow between $5,000 and $50,000 with transparent terms and easy online application.
People's Choice Credit Union

Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
13.99%
Advert. Rate (p.a)
Comparison rate
As a member owned organisation, our first priority is to help you. We continually focus on providing high levels of personalised service and value for money products – such as our Personal Loans– there to help you make those life-changing purchases.
Plenti

Plenti - Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
14.99%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $50,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.
The Mac

Personal Loan Unsecured

EST Monthly Repayment
EST Monthly Repayment
15.99%
Advert. Rate (p.a)
Comparison rate
Whether you're dreaming of far away destinations or of revolutionising the world with your next big invention, our Unsecured Personal Loans are a flexible and simple solution from an ethical and trusted team.
Arab Bank

Unsecured Personal Loan - Variable

EST Monthly Repayment
EST Monthly Repayment
15.60%
Advert. Rate (p.a)
Comparison rate
You can use your personal loan for things like purchasing a new car, consolidating your debts, renovating your home, paying for university studies or to go on your dream holiday!
ANZ

ANZ Variable Rate Loan

EST Monthly Repayment
EST Monthly Repayment
15.99%
Advert. Rate (p.a)
Comparison rate
Whether you're looking to buy a new car, take a holiday, renovate your home or you want to consolidate debt, ANZ could help you with a Variable Rate Personal Loan.
Regional Australia Bank

Personal Loan

EST Monthly Repayment
EST Monthly Repayment
15.99%
Advert. Rate (p.a)
Comparison rate
All-purpose Personal Loan for quick and easy funds when you need them.

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Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

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swimming pool

Swimming pool loans in Australia – Get your own water resort

A swimming pool can offer the perfect Aussie summer heat escape plus fun, backyard pool parties with family and friends. Besides the personal enjoyment, it can also buoy your property’s value. But with these great rewards comes a high financial cost. If this is an issue, learn more about swimming pool loans to avoid stepping off the financial deep end.

What’s a swimming pool loan?

If your pockets are shallow, a swimming pool loan provides the financial springboard you need to dive into a swimming pool, hot tub, or spa installation.

Borrowed funds can be obtained from various Australian lenders, including banks, credit unions, peer to peer companies, and online creditors. From this wide finance pool, you can find a range of personal loan options with amounts and terms of up to $100,000 and 7 years, respectively.

Generally, swimming pool loans can be parted into secured personal loans and unsecured personal loans. With the secured variety, you’ll need a high-value asset to guarantee the debt. However, unsecured loans require no collateral meaning the lender won’t move to claim your asset if you default though this protection comes with a higher rate.

Either arrangement can be lucrative to homeowners since they can upgrade their home and social life while paying only a fraction of the cost at a time. This payment plan also covers interest and fees that apply over the life of the loan.

What’s the cost of installation?

As mentioned earlier, having a private summer swim a few steps outside your door typically comes with deep costs. With some installations pegged as high as $100,000, it’s essential to make sure your pocketbook can handle the strain before immersing yourself in a swimming pool project. You can expect a professional quote to contain the following general costs:

  • Construction
  • Tiling and lining
  • Fencing and lighting
  • Labour

Of course, exact costs tend to be all over the place depending on whether it’s an inground or above ground pool. Vinyl pools, fibreglass pools, and concrete pools also come with different price tags. Additionally, fancy accoutrements like waterfalls, jets, or fountains will most likely jack up the total costs.

Not to mention ongoing cleaning and maintenance costs that are essential in keeping your pool in tip-top shape. So while there are once-off costs involved, it’s best to prep your budget for other long-term costs.

Can I use a home equity loan to finance my swimming pool?

Aussie homeowners can also take out a home equity loan tied to the value they own on their home. This is an even more attractive deal since it offers lower interest rates and potential tax benefits. But home loans are secured, a downside that hangs the threat of foreclosure over your head should you default.

Other than that, the finance arrangement models itself on personal loans. You repay the funds over a fixed timeline with interest and fees on top.

How do I get the best swimming pool loan deal?

Comparing personal loans for swimming pools is a project in and of itself, albeit a small one. Looking at several finance options is what helps you secure the best deal. Here are some features to keep tabs on when doing so:

  • Interest rate. A low rate, be it fixed or variable, helps keep your finances afloat since interest represents a great portion of borrowing costs.
  • Comparison rate. A low-rate personal loan doesn’t always deliver savings, mainly if steep fees are involved. The comparison rate sweeps the interest rate and standard costs together. Therefore, this percentage gives you a better read on the actual cost of the loan.
  • Fees and charges. Some borrowing costs exist outside the comparison rate. To better understand what you’ll end up paying, you’ll need to unearth these from the fine print. Check for establishment fees, monthly fees, redraw fees, plus late and early repayment fees.
  • Monthly repayments. Fiddle around with our swimming pool loan calculator to find an affordable monthly payment estimate based on your loan amount and term.
  • Extra repayments. Check if you’ll be able to pay off your loan quickly by making additional fee-free repayments.
  • Additional features. Make sure your swimming pool loans comparison is as extensive as possible. For instance, what are the limits on amounts and terms for each lender? What are the requirements for credit score? Does the lender offer weekly, fortnightly, and monthly payment options? Checking for all this ensures maximum flexibility that meets your budget, needs, and situation.

How to apply for a swimming pool loan online

To apply, click “Go to Site” for the preferred option in the comparison table above. Once on the finance provider’s application page, you’ll generally need to meet the following lending criteria:

  • Have a good credit score and a clean credit history
  • Be at least 18 years old
  • Have a steady income
  • Be an Australian citizen or permanent resident

Additionally, you’ll need to provide a few documents to verify your income and identity before the loan is approved. These include payslips, bank statements, and a driver’s licence.

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