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Ah, the perfect pool for a scorching Aussie summer. What price could you put on it?
Well, the reality is anywhere between $10,000 and $100,000.
In this guide I’ll explain your pool finance options. Plus, how to make sure you pay as little as possible for it.
If you’re looking for pool finance, there are two main options:
I’ll start by explaining how pool loans work.
Then I’ll contrast it to the home loan equity option.
A pool loan is a personal loan that you can use to finance the cost of installing a pool.
This is what you can typically get with this kind of pool finance:
There are also home renovation loans available if your new pool is part of a wider home improvement.
Pool loan interest rates in Australia start from 6.57% p.a. (comparison rate* 6.57%p.a.).
The interest rate you actually get may be different.
See, personal loan interest rates depend on your risk profile.
Lenders consider your credit score, income, other debts and expenses when calculating your rate.
It can have a big impact when it comes to calculating your regular loan repayments and the cost of your pool finance overall.
Harmoney | |
---|---|
Personal loan interest rate | 5.76% p.a. to 24.03% p.a. |
Comparison rate* | 6.55% p.a. to 24.98% p.a. |
Plenti | |
Personal loan interest rate | 6.57% p.a. to 24.09% p.a. |
Comparison rate* | 6.57% p.a. to 26.28% p.a. |
NOW Finance | |
Personal loan interest rate | 6.75% p.a. to 26.95% p.a. |
Comparison rate* | 6.75% p.a. to 26.95% p.a. |
Pepper Money | |
Personal loan interest rate | 6.75% p.a. to 26.95% p.a. |
Comparison rate* | 6.75% p.a. to 26.95% p.a. |
ING | |
Personal loan interest rate | 6.89% p.a. to 18.99% p.a. |
Comparison rate* | 7.10% p.a. to 19.23% p.a. |
Our Money Market | |
Personal loan interest rate | 6.57% p.a. to 18.99% p.a. |
Comparison rate* | 7.19% p.a. to 21.78% p.a. |
Moneyplace | |
Personal loan interest rate | 7.24% p.a. to 19.99% p.a. |
Comparison rate* | 7.24% p.a. to 21.49% p.a. |
Liberty Financial | |
Personal loan interest rate | 7.24% p.a. to 19.99% p.a. |
Comparison rate* | 7.24% p.a. to 21.49% p.a. |
Bank of Melbourne | |
Personal loan interest rate | 6.89% p.a. to 19.99% p.a. |
Comparison rate* | 7.59% p.a. to 20.59% p.a. (variable rate): 7.81% p.a. to 20.83% p.a. (fixed rate) |
BankSA | |
Personal loan interest rate | 6.89% p.a. to 19.99% p.a. |
Comparison rate* | 7.59% p.a. to 20.59% p.a. (variable rate): 7.81% p.a. to 20.83% p.a. (fixed rate) |
St.George Bank | |
Personal loan interest rate | 6.89% p.a. to 19.99% p.a. |
Comparison rate* | 7.59% p.a. to 20.59% p.a. (variable rate): 7.81% p.a. to 20.83% p.a. (fixed rate) |
Great Southern Bank | |
Personal loan interest rate | 7.49% p.a. to 19.99% p.a. |
Comparison rate* | 7.74 % p.a. to 20.27% p.a. |
NAB | |
Personal loan interest rate | 6.99% p.a. to 20.49% p.a. |
Comparison rate* | 7.91% p.a. to 21.33% p.a. |
ANZ | |
Personal loan interest rate | 7.49% p.a. to 19.99% p.a. |
Comparison rate* | 8.18% p.a. to 20.58% p.a. |
G&C Mutual Bank | |
Personal loan interest rate | 7.99% p.a. to 16.99% p.a. |
Comparison rate* | 8.20% p.a. to 17.22% p.a. |
Society One | |
Personal loan interest rate | 8.20% p.a. to 24.89% p.a. |
Comparison rate* | 8.27% p.a. to 25.64% p.a. |
Westpac | |
Personal loan interest rate | 7.99% p.a. to 20.49% p.a. |
Comparison rate* | 9.18% p.a. to 21.61% p.a. |
Wisr | |
Personal loan interest rate | 9.04% p.a. to 23.79% p.a. |
Comparison rate* | 9.88% p.a. to 24.56% p.a. |
Commbank | |
Personal loan interest rate | 8.49% p.a. to 20.49% p.a. (fixed); 8.00% p.a. to 20.00% p.a. (variable) |
Comparison rate* | 9.88% p.a. to 21.78% p.a. (fixed); 9.40% p.a. to 21.30% p.a. (variable) |
MoneyMe | |
Personal loan interest rate | 9.20% p.a. to 25.20% p.a. |
Comparison rate* | 10.58% p.a. to 26.58% p.a. |
Latitude Financial | |
Personal loan interest rate | 9.49% p.a. to 29.99% p.a. |
Comparison rate* | 10.93% p.a. to 31.83% p.a |
Fair Go Finance | |
Personal loan interest rate | 21.90% p.a. to 25.90% |
Comparison rate* | 27.54% p.a. to 33.80% p.a. |
Jacaranda Finance | |
Personal loan interest rate | 17.95% p.a. to 24.95% p.a. |
Comparison rate* | 32.40% p.a. to 39.63% p.a. |
Personal loan interest rate | Comparison rate* | |
---|---|---|
Harmoney | 5.76% p.a. to 24.03% p.a. | 6.55% p.a. to 24.98% p.a. |
Plenti | 6.57% p.a. to 24.09% p.a. | 6.57% p.a. to 26.28% p.a. |
NOW Finance | 6.75% p.a. to 26.95% p.a. | 6.75% p.a. to 26.95% p.a. |
Pepper Money | 6.75% p.a. to 26.95% p.a. | 6.75% p.a. to 26.95% p.a. |
ING | 6.89% p.a. to 18.99% p.a. | 7.10% p.a. to 19.23% p.a. |
Our Money Market | 6.57% p.a. to 18.99% p.a. | 7.19% p.a. to 21.78% p.a. |
Moneyplace | 7.24% p.a. to 19.99% p.a. | 7.24% p.a. to 21.49% p.a. |
Liberty Financial | 7.24% p.a. to 19.99% p.a. | 7.24% p.a. to 21.49% p.a. |
Bank of Melbourne | 6.89% p.a. to 19.99% p.a. | 7.59% p.a. to 20.59% p.a. (variable rate): 7.81% p.a. to 20.83% p.a. (fixed rate) |
BankSA | 6.89% p.a. to 19.99% p.a. | 7.59% p.a. to 20.59% p.a. (variable rate): 7.81% p.a. to 20.83% p.a. (fixed rate) |
St.George Bank | 6.89% p.a. to 19.99% p.a. | 7.59% p.a. to 20.59% p.a. (variable rate): 7.81% p.a. to 20.83% p.a. (fixed rate) |
Great Southern Bank | 7.49% p.a. to 19.99% p.a. | 7.74 % p.a. to 20.27% p.a. |
NAB | 6.99% p.a. to 20.49% p.a. | 7.91% p.a. to 21.33% p.a. |
ANZ | 7.49% p.a. to 19.99% p.a. | 8.18% p.a. to 20.58% p.a. |
G&C Mutual Bank | 7.99% p.a. to 16.99% p.a. | 8.20% p.a. to 17.22% p.a. |
Society One | 8.20% p.a. to 24.89% p.a. | 8.27% p.a. to 25.64% p.a. |
Westpac | 7.99% p.a. to 20.49% p.a. | 9.18% p.a. to 21.61% p.a. |
Wisr | 9.04% p.a. to 23.79% p.a. | 9.88% p.a. to 24.56% p.a. |
Commbank | 8.49% p.a. to 20.49% p.a. (fixed); 8.00% p.a. to 20.00% p.a. (variable) | 9.88% p.a. to 21.78% p.a. (fixed); 9.40% p.a. to 21.30% p.a. (variable) |
MoneyMe | 9.20% p.a. to 25.20% p.a. | 10.58% p.a. to 26.58% p.a. |
Latitude Financial | 9.49% p.a. to 29.99% p.a. | 10.93% p.a. to 31.83% p.a |
Fair Go Finance | 21.90% p.a. to 25.90% | 27.54% p.a. to 33.80% p.a. |
Jacaranda Finance | 17.95% p.a. to 24.95% p.a. | 32.40% p.a. to 39.63% p.a. |
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GET STARTEDGET STARTEDThe personal loan you choose will have a big impact on the overall cost of the project.
Probably more so than the builder you choose, or whether you splash out on fancier pool fixtures.
And if you’re going to push the boat (or inflatable unicorn) out on one aspect of your pool build, you probably don’t want that to be loan interest and fees
.
Below are the main aspects of pool finance that will determine your costs:
Once you’ve worked out the budget for your project, getting pool finance can be a fairly simple process
Here’s what’s typically involved:
If it’s a straightforward application, the whole process can be completed in 1-2 business days.
For more complex situations like a bad credit personal loan or a low doc personal loan for self-employed borrowers the process will likely take a bit longer.
Depending on the lender, your pool finance can either come with a fixed or variable
interest rate. Here's the difference:
I mentioned earlier that the other main pool finance option is to use the equity in your home (refinancing).
There can be advantages to doing this. But it's usually a much longer loan term
.
Borrowing over a longer period usually means higher costs.
Here’s a quick overview of the main differences between a pool loan and refinancing your mortgage as a source of pool finance.
Personal loan | Home equity | |
---|---|---|
Amount available | Up to $100,00 | Depends on hour home loan balance and home’s value |
Interest rates | Starting from 6-7% | Starting from 4-5% |
Loan term | Up to 7 years | Up to 30 years |
Property valuation required | No | Yes |
Security required | Optional | Yes |
A personal loan for a pool will allow you to borrow up to $100,000.
But lenders will assess your actual borrowing capacity based on your income, credit history, your regular expenses and other debts.
Borrowers who are seen to be a greater risk
based on those factors may not be able to borrow as much.
Of course the amount you end up borrowing will also be determined by the cost of your pool.
Deciding on how much your pool will cost means taking in some basic (and not-so-basic) considerations:
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GET STARTEDGET STARTEDYes, there are specialist lenders in Australia who offer personal loans to bad credit borrowers for a range of purposes, including financing a pool.
If you have an issue in your credit history expect to be charged a higher interest rate.
This will make it more expensive to finance your pool.
It’s more common for pool finance to be unsecured.
This means the borrower doesn’t need to offer an asset they own as collateral to secure the loan.
But some lenders may offer secured pool finance.
In this case, your pool loan could be secured against an asset you own such as a vehicle, shares, cash savings or your home.
Shopping around for the right loan can save you thousands of dollars in interest and fees.
Personal Loans guides and resources
The great thing about personal loans is they can fund almost anything. They are perfect when you need that bit extra to cover expenses, start a project or reset your finances to get back on track.
*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.