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Compare pool finance rates in 60 seconds

Get your best pool loan. Compare prequalified offers from 11 lenders. Apply with confidence.

  • Comparison rates from 4.99% p.a*
  • 100% free with no credit score impact
  • No hidden fees or broker fees
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Australia's Money Matchmaker matching you with your best loans across multiple lenders
My matching process checks multiple lender rates at once, making it super fast to shop around.

Why Money Matchmaker®

Personal loan rates from 11 lenders in 60 seconds with Money Matchmaker
Real rates, not click bait

Rate comparison websites show you a low rate that hardly anyone qualifies for. We show real loan rates based on matching you to lender rules.

Money Matchmaker is 100% free to use
No hidden fees or paid promotions

A broker can add up to $1000 to your loan. A rate comparison site gets as much as $50 per click to a lender, so they don't care if you get rejected. We only charge the lender and we only do that if you take out a loan through us.

Money Matchmaker puts you in control of your loan choices
No time wasting or sales calls

Googling options and applying to each lender wastes time and can affect your credit score. Using rate comparison sites often leads to annoying sales calls. We show you options in 60 seconds with no follow up calls.

Building your backyard pool

Written by

Shaun McGowan

Ah, the perfect pool in a scorching Aussie summer. What price could you put on it?

Well, the reality is anywhere between $10,000 and $100,000, but depending on who you ask, that money can be put into a golden opportunity or just poured down the financial sink.

If you’re looking to get finance to build a pool at home, here are all the costs you’ll need to consider (and how you can save money!).

How much to borrow to build a pool

If you’re building a pool, then you’ll be looking at getting a personal loan. But, before you start comparing lenders and loan offers, you’ll need to decide how much you actually need to borrow.

Don’t skip this step! Deciding on how much you’ll actually need to borrow before you make any major decisions will ensure you’re not only planning ahead but budgeting to make sure you don’t end up with an ongoing loan and a half-finished pool!

Get help with your finances if you have bad credit with Money Matchmaker

What does a pool cost?

Deciding on how much your pool will cost means taking in some basic (and not-so-basic!) considerations:

  • Materials The most common pool materials are concrete, vinyl-liner and fibreglass. Vinyl-liner pools (the ones above ground with frames) start around $10,000, while a common fibreglass pool can begin around $25,000. Concrete pools begin around the same price, but have a much higher scope for expansion, if you can afford it.
  • Construction If you’re opting for an in-ground pool, then you’ll also need to think about your property and where you’re building it. This means ease of access to install the pool, the ground conditions of your property, any angles or slopes and how they impact the size or shape of your pool, and how you plan to install water ventilation or other features.
  • Ongoing costs Ongoing costs can be a major factor down the line, and you’ll need to start thinking about many of these from day one of installing your pool. This means things like water filters, servicing and replacements, any pool sanitisation with chemicals and filters systems, pool covers or cleaners to prevent any damage to the systems, and heat pumps or other features.

Comparing Pool Loans

The personal loan you choose will have a big impact on the way you repay the loan and its total cost.

Features that you should look closely at when comparing include:

The cost of a pool loan will depend entirely on the amount of the loan, the interest and fees you’re charged and how quickly you pay the loan off. Here are a few things to consider:

For more detail information on how to compare personal loans read this guide

Shop around for a personal loan and save thousands with Money Matchmaker


Fixed or variable interest

Fixed interest rates stay the same for the entire loan term or for a set period. However, some fixed-rate loans are less flexible and don’t allow for fee-free early repayments.

Variable interest rates, on the other hand, go up and down with the market. Most variable-rate loans allow for fee-free early repayments and are more flexible.

Loan Term

A longer loan term will mean lower repayments but generally, you’ll pay more interest and fees. A shorter loan term will mean higher repayments but generally, you’ll pay lower interest and lower fees.

The best loan terms with Money Matchmaker

Loan flexibility

Your loan should be flexible to suit your life so look for features that accommodate change:

  • Early/extra repayment without fees can be a great way to save on interest.
  • Repayment holidays or interest-only periods to lower your repayments
  • Flexible repayment periods that allow you to choose whether to make loan repayments weekly, fortnightly or monthly.
  • Redraw facility: a redraw facility allows you to make extra repayments to your loan balance, then withdraw any payments above the minimum as needed.
  • Loan bundling: some lenders bundle several financial products together and offer a discount on the lot. If you need insurance and a home loan too this could be an option to consider.
  • Customer service: throughout your loan term there’s a good chance you’ll need to get in touch with your lender. Look at online reviews and find out as much about them as you can to ensure they have good customer service.
Be proactive about managing debt with Money Matchmaker

Applying for a pool loan

The easiest way to find a competitive personal loan from lenders is to simply use our Money Matchmaker™ engine.

We’ll compare the best pool loans we can find from our available pool of lenders, so you can see exactly how much you’ll pay with each. If you’re ready to find the loan you need to build your perfect pool for the summer, get started with our Money Matchmaker™ today.

Meet Money Matchmaker®

"Hey I’m Money Matchmaker®, I have a team of wizards making me super smart. I’ve been loaded up with all the information that lenders use, and when you take my quiz, I use your answers to check against all our lenders at once. I’m harmless, I don’t impact your credit score and I’ll show you the best loan matches I can with no brokers fees or annoying ads"

Money Matchmaker

Meet your potential pool loan matches

Meet Plenti
  • No Early Repayment Fees
  • No Monthly Fees
  • Get Funds 24 Hours From Approval
Meet OurMoneyMarket
  • No extra repayment or early exit fees
  • Funding approved in 24 hours
  • Up to $75,000 loan amount
Meet Society One
  • No ongoing fees
  • No monthly fees
  • No Deposit Required
Meet Wisr
  • Same day decisioning
  • No admin, early repayment or "risk" fees
  • Support from real people
Meet Fair Go
  • Build your credit score by making timely repayments
  • Once approved, loans are funded in minutes
  • Flexible repayments; weekly, fortnightly, monthly options
Meet Finance One
  • Pay your loan out early with no fees
  • Change payment dates and frequency at any time
  • Make extra repayments at any time
Meet Money3
  • Pay your loan out early with no fees
  • Increase regular payments to suit your situation
  • Make extra repayments at any time
Meet Jacaranda
  • Apply in under 8 minutes
  • Once approved, cash transferred in 60 seconds
  • No early termination fees
Meet Now Finance
  • Get a guaranteed, personalised rate in 2 minutes
  • Apply online in under 10 minutes
  • Weekly and fortnightly repayments
Meet Alex
  • $0 establishment fee
  • $0 ongoing fees, early repayment fees, exit fees
  • Multi Award winning and 100% digital

The right pool loan can save you $1,000s


About the Author

Shaun McGowan from



Shaun McGowan

Shaun is the founder of and is determined to help people pay as little as possible for financial products. Through education and building world class technology. Previously Shaun co-founded and Lend.

*Information about comparison rates Comparison rates are designed to allow borrowers to understand the true cost of a loan by taking into account fees and charges, the loan amount and the term of the loan. The comparison rate is based on an unsecured fixed rate personal loan of $10,000 over 3 years. WARNING: Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.


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Money Pty Ltd (trading as provides information about credit products and is authorised to do so as the holder of Australian Credit Licence 528698. does not compare every Lender in Australia. We are not a broker or credit provider and when we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product. When you apply for a credit product via the website, you are not applying with us, you are applying directly with a Lender Partner. Before entering into any credit product from one of our Lender Partners, you should confirm the rates and product information with the Lender. All information on this website is general advice only and does not take into account your objectives, financial situation or needs. You should consider whether this advice is right for you and we encourage you to seek independent financial advice.