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our #1 pick
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Over 891 users chose Bankrate
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Bankrate Highlights

  • 100% free to get your personal loan rate with Bankrate

  • Great for borrowers with fair/good/excellent credit

  • Fast & easy way to find a personal loan
  • Take just two minutes to answer questions about yourself and the loan you need. This service is free, and it won't affect your credit score.

  • Your info protected with bank-level security

  • Of the 32 lenders reviewed, 12 made Bankrate's list of best personal loans. Get your best rate from Bankrate's network of 12 top-rated lenders.
IMPORTANT Bankrate DISCLOSURE: Bankrate is NOT a direct lender.
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2
LendingTree
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LendingTree Highlights

  • 100% free to get your personal loan rate with LendingTree

  • Great for borrowers with fair/good/excellent credit

  • LendingTree has been in business for 26 years
  • Online personal loan pre-qualification process takes just a few minutes on average!

  • Very simple process for finding your unique personal loan rate ranging from 5.99% to 35.99% APR

  • 111M people helped with over 3.4M loans approved
  • No impact to your credit score for applying
IMPORTANT LENDINGTREE DISCLOSURE: LendingTree NMLS #1136 is NOT a direct lender.
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3
Credible
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Credible Highlights

  • Click "GET MY RATE" to find your unique personal loan rate on Credible's site, secured with 256-bit encryption

  • Personalized rates from up to 16 vetted lenders in 2 minutes, ranging from 5.40% APR to 35.99% APR, all for free

  • Credible is best for those who value dedicated customer service throughout the loan process
  • Credible will give you $200 bonus if you close with a better rate elsewhere*

  • Outstanding customer service to help with your loan requests

  • No impact to your credit score to check personalized rates

*See Credible’s site for full Terms & Conditions on the personal loans “best rate guarantee” deal. ⓘ Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.
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4
SoFi
  • Max Loan: $100,000
  • APR: 7.99% - 23.43%
  • Loan Term: 24-60 months
  • Loan fee: no
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SoFi Highlights

  • Sofi is a popular digital lender with low rates, no origination fees, no prepayment fees, or other "hidden fees"

  • SoFi allows you to view rates in as little as 60 seconds

  • To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score.

  • With the SoFi Personal Loan, the minimum amount you can borrow is $5,000 in most states and the maximum is $100,000.

  • No impact to your credit score for checking rates
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5
LightStream
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LightStream Highlights

  • Click "GET MY RATE" to find your personal loan rate for LightStream on our secure partner site, Credible.

  • LightStream offers personal loans for practically any need, which includes home renovations, credit card consolidation, auto refinancing, medical bills, and more

  • LightStream offers a joint application option and an autopay discount
  • You can get your money as soon as the same day your loan is approved
  • Perfect for those with excellent

  • No origination, prepayment, or late fees

  • No impact to your credit score for checking rates
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6
LendingClub
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LendingClub Highlights

  • Click "GET MY RATE" to find your personal loan rate for LendingClub on our secure partner site, Credible.

  • LendingClub has issued over $60 billion is personal loans

  • Over 3,000,000 customers
  • You can get your money on the same day your loan is approved
  • Low, fixed rates and fixed monthly payments

  • Small origination fee of 3% to 6%

  • No impact to your credit score for checking rates
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7
offer not available
  • Max Loan: $40,000
  • APR: 7.95% - 35.99%
  • Loan Term: 36-60 months
  • Loan fee: yes
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Prosper Highlights

  • Prosper is a popular peer-to-peer lending platform that offers loans to borrowers with 640+ credit scores

  • Offers low interest, fixed term loans ranging from $2,000 to $40,000

  • Low, fixed rates and fixed monthly payments
  • Over $18 billon borrowed all-time

  • Borrowers can receive their money in as little as 3 days after accepting a personal loan offer

  • No impact to your credit score for checking rates
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Best Overall Choice:

1
our #1 pick
Great for Any Credit
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Over 891 users chose Bankrate
GET MY RATE visit Bankrate
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Bankrate Highlights

  • 100% free to get your personal loan rate with Bankrate

  • Great for borrowers with fair/good/excellent credit

  • Fast & easy way to find a personal loan
  • Take just two minutes to answer questions about yourself and the loan you need. This service is free, and it won't affect your credit score.

  • Your info protected with bank-level security

  • Of the 32 lenders reviewed, 12 made Bankrate's list of best personal loans. Get your best rate from Bankrate's network of 12 top-rated lenders.
IMPORTANT Bankrate DISCLOSURE: Bankrate is NOT a direct lender.
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About Swimming Pool Loans

Pool loans are actually classified as “personal loans”, often called “unsecured personal loans.” These are loans that are issued to individuals based on their creditworthiness. One of the best things about personal loans is that there is no collateral involved. You don’t have to use your house, car, or any other asset to receive a personal loan.

“Pool loans” are still considered personal loans. Using a personal loan to finance an in-ground swimming pool, is a savvy idea.

If you use a personal loan to build a pool, you’ll keep money money in your pocket, because personal loan APR is so low, even when compared with mortgages.

We spent 500+ hours searching for the best pool loans of 2021, because not all loans are made equal. Many shady online lenders have high variable rates and lots of hidden fees. None of the lenders on this page have hidden fees, and all are highly rated and respected.

What Pools Are Eligible for a Loan?

All types of pools are eligible for a personal loan! Some of the most popular types of pools finances with loans include:

  • In-ground swimming pools
  • Waterfall backyard pools
  • Infinity swimming pools
  • Swimming pools with an attached jacuzzi
  • Virtually any other type of pool

If you’re building a pool with a private party, and no financing is available, a swimming pool personal loan is definitely your best choice.

How a Pool Loan Will Actually Boost Your Credit Score

One of the most common misconceptions about getting a personal loan for a pool is that it will somehow negatively effect your credit score.

This is not true. Even if you have good/excellent credit, a personal loan will boost you closer to a 850 credit score, because the major credit bureaus view timely loan repayments very positively.

Best Overall Choice 2021

1
our #1 pick
Great for Any Credit
Expand details
Over 891 users chose Bankrate
GET MY RATE visit Bankrate
Expand details

Bankrate Highlights

  • 100% free to get your personal loan rate with Bankrate

  • Great for borrowers with fair/good/excellent credit

  • Fast & easy way to find a personal loan
  • Take just two minutes to answer questions about yourself and the loan you need. This service is free, and it won't affect your credit score.

  • Your info protected with bank-level security

  • Of the 32 lenders reviewed, 12 made Bankrate's list of best personal loans. Get your best rate from Bankrate's network of 12 top-rated lenders.
IMPORTANT Bankrate DISCLOSURE: Bankrate is NOT a direct lender.
Learn more
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