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Frequently Asked Questions

Your Loan Consultant is your go-to person for additional information.

Unsecured Swimming Pool Loans

Unlike an unsecured personal loan that can be used for any purpose, swimming pool loans are designed specifically for financing major home remodels, renovations, swimming pools and the like. They are usually for projects exceeding $25,000 and offer desirable rates and extended loan terms (up to 20 years) so borrowers will have affordable monthly payments. These loans do not require property as loan collateral. Instead, the lenders look at a borrower’s ability to pay (income and debt) and creditworthiness (credit scores).

Pool Loan Fees

Loan terms, including fees, vary and change frequently.  It’s important to consider all loan terms when comparing loans, including rate, term, loan amount and fees, if applicable. Your Viking Capital representative will disclose all terms for comparison and so you can make an informed decision.

Not Sure How Much You Need To Borrow?

Yes. We can start the loan process even if you are unsure of your project cost. You can estimate the cost or provide us the amount you have budgeted for your project. Your Viking Capital representative will advise you on your loan options, including the monthly payment amount you can expect to pay with your estimated loan amount.

How Funding Disbursements Work

Some loans will disperse the entire loan amount into your account at the completion of the loan process. Other loans make disbursements directly to your contractor/builder at pre-defined work milestones, per your contract, that you acknowledge as complete.
In some cases, a loan approval and disbursement of funds can occur in one day – even the same day! However, some loans require documentation from the borrower as proof of eligibility. So as the borrower, you can impact the process timeline. Be assured, Viking Capital has a great processing team who works with each borrower and lender to expedite the loan process.

Yes! We have special rates for those in active duty or in the reserves of the military, this also applies to anyone related to someone who meets that criteria. We offer special pool loans for veterans helping them get the pool of their dreams. 

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Helpful Info

How long does it take to build a pool?

How long does it take to build a pool? It’s a simple enough question and one which most people have thought about at one time or another. Most homeowners have considered installing a pool. And the first step in the process usually comes down to putting together a budget and timeline. However, there’s enough information

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dog in pool

Can Dogs Swim In Pools?

Can dogs swim in pools? It’s one of the most common questions for both dog and pool owners alike. Outdoor fun just seems to go naturally with a dog’s happy and energetic demeanor. But at the same time, people are naturally concerned about whether pools are safe for their dogs. On top of that, you

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piggy bank infront of pool

How Much Does a Swimming Pool Cost?

Traditionally adding a pool to your home is thought of as an extravagant expense however, this is no longer the case. A pool often is affordable and manageable if you design a budget and make wise decisions in the purchase. Adding a pool will not only bring more enjoyment of your house by your friends

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Long Term Pool Loans

Not so fast! If you’re looking to finance a swimming pool, you will undoubtedly end up with a decision to make about the length of time you’d like to take to repay your loan. A common theme among financing sources is that the longer the term, the smaller the payment. This is true, BUT it

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What’s the Longest Repayment Time for a Pool Loan?

There is a simple answer to this question and a more in depth one. The short answer is that most financing sources that are truly competitive in swimming pool financing (as opposed to banks, mortgage companies, local credit unions, etc.) offer terms up to 20-25 years. Those loans will usually be the lowest payment and

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How Can You Improve Your Credit Score?

Build your credit file: Open new accounts which will report to the major credit bureaus. Most lenders and credit card issuers report to all three so this is easy to achieve. In order to establish any credit, there must be accounts open in your name. From there, you can begin to establish a good record

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FREE Loan Consultations and payment details for all applicants!

Example 1

Loan amount $40,000
Rate 5.49%
Term 15 Years
Monthly payment $327/mo.

Example 2

Loan amount $50,000
Rate 7.99%
Term 20 Years
Monthly payment $418/mo.

Loan Terms

* Loan terms and availability vary based on borrower qualifications and are subject to change without notice. Monthly payment amounts are for demonstrative purposes only and are not guaranteed to match final payment amounts for all borrowers. Your Viking Capital Loan Representative will go over all your loan options and their respective terms and payment amounts.

We are proud to offer these great loan options to our Military Families

*Eligibility requirements:

The applicant or co-applicant (or Family Member*) is active duty, military retiree, reservist, or veteran.  Branch of service: Air Force, Coast Guard, Army, Navy, Marine Corps or reserves for these branches. 

Family members must be “lineal” (spouse or direct-line ancestors and descendants. Includes family by adoption and marriage).