Swimming pool financing for the entire build.
Excavation to opening day treated as one project, not a stack of separate contractor invoices. A fixed-rate loan funds the whole pool — the shell, the equipment, the decking, and the required fencing.
Fixed rates from
7.49%APR with AutoPay*
Assumes excellent credit. Your rate is determined by your credit profile, amount, and term.
Checking your rate does not affect your credit score.
What it covers.
- In-ground pool excavation, shell, and decking
- Equipment: pump, heater, filtration, and automation
- Fencing, safety cover, and code compliance
- Landscaping and hardscape around the pool
Why a Lightstream loan.
One loan for the whole build
A pool is excavation, plumbing, gunite, decking, and equipment across several trades. Funds in your account pay all of them from a single loan instead of juggling deposits.
A fixed payment while it’s built
Pool builds span months and seasons. Your rate is fixed the day it funds, so the payment does not move while you wait on inspections or weather.
Long terms for a major addition
An in-ground pool is one of the largest yard projects, so this purpose carries the program’s longer terms to keep the payment in proportion.
Break ground on schedule
Builders book out fast and want a deposit to hold your slot. Same-day approval for qualified applicants gets funds ready so you make the schedule.
Loan amounts and terms.
- Loan amounts
- $3,000 – $100,000
- Repayment terms
- 2–20 years
| Loan term | APR range with AutoPay* | Example payment per $10,0002 |
|---|---|---|
| 3 years | 7.49%–18.49% | $311.02/mo |
| 4 years | 8.29%–19.29% | $245.49/mo |
| 5 years | 9.19%–20.19% | $208.51/mo |
| 6 years | 9.19%–20.19% | $181.20/mo |
| 7 years | 10.29%–21.29% | $167.51/mo |
| 10 years | 10.29%–21.29% | $133.76/mo |
| 15 years | 11.69%–22.69% | $118.03/mo |
| 20 years | 11.69%–22.69% | $107.96/mo |
Funds can be received as soon as the same business day for applications approved before 2:30 p.m. Eastern time.¹
Frequently asked questions.
Yes. Because funds are deposited to your account, a single loan pays the pool builder, the decking and hardscape crew, and the required safety fencing. Size the amount to the full project — including code-mandated fencing and covers — so nothing is financed separately.
A personal loan adds no lien to your home, requires no appraisal, and funds in days at a fixed rate — which matters when a builder needs a deposit to hold a slot. A HELOC may cost less in interest but takes weeks to close and puts your home up as collateral.
Yes. Since the money lands in your account, you can pay a builder’s deposit as soon as the loan funds — often the difference between breaking ground this season or waiting for the next.
Pool budgets can grow with site conditions, so borrow to a figure that includes a contingency. A loan is fixed at the drawn amount; if the scope expands significantly, a separate loan can cover the difference.
Related loan purposes.
Disclosures
*Loan terms vary by loan purpose, amount, term, and credit profile. The lowest advertised rates require excellent credit. 29.46% of approved applicants who applied for the lowest rate qualified for it, based on data from 01/01/2026 to 03/31/2026. The rate quoted includes the AutoPay discount; the AutoPay discount is only available prior to loan funding, and rates without AutoPay are 0.50% points higher. All loans are subject to credit approval; additional conditions and limitations apply. Advertised rates and terms are subject to change without notice.
¹Same-day funding is available if your loan is approved on a banking business day and, by 2:30 p.m. Eastern time, you complete these steps: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; (3) complete the final verification process.
²Example payments are per $10,000 borrowed at the lowest APR shown for that term, include the AutoPay discount, and assume excellent credit. Your payment is determined by your amount, term, and credit profile.
Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.
Maximum APR for a Lightstream loan is 25.39%. Loan terms range from 24 – 240 months depending on the loan purpose.