>> Looking For A Home Improvement Loan? Visit vcloan.com <<

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. 

Established in 1999, Viking Capital is a family-owned business proudly helping homeowners invest in their homes to improve their quality of life. Viking Capital acts in the capacity of “consultant”, working with lenders to pair homeowners nationwide with the most desirable swimming pool/home improvement financing options available. Once your application is submitted, one of our loan consultants will help you select the best loan for your needs and qualifications. 

We work in all 50 states of the United States. 

Rates are dependent on the individual applicant’s credit profile.  We offer terms up to 20 years.  

Your monthly loan payment is dependent on the following:  Credit profile, term, and loan amount.  Check out our Loan Calculator page to figure out what your monthly payment might be. 

Simply apply online to receive your free loan consultation within 1-2 business days.  We only do a soft credit pull, so it does not hurt your credit.  There’s no obligation to move forward.   

Thank you for applying with Viking Capital!  We’ll run a soft credit pull that won’t hurt your credit, and one of our loan consultants will contact you within 1-2 business days for your free loan consultation.  Check out this short video to learn more

Apply Online Now

It won’t hurt your credit!

Helpful Info

How To Heat a Swimming Pool – 11 Ways

There are so many factors that go into planning for your new pool and there are a lot of decisions to make. One that needs careful consideration is how to keep the water at a temperature that is both enticing and refreshing. This not only makes swimming more enjoyable but it also allows you to

Read More »

How long can you finance a pool?

Putting in a new pool is a significant investment. You’re not just paying to improve both your home and your day-to-day life. You’re also committing yourself to a particular payment plan that enables you to properly finance the construction. Most people find themselves wondering how long can you finance a pool, and whether long-term or

Read More »
pool fence ideas

Pool Fence Ideas: How To Perfectly Frame Your Pool

Pool fence ideas are plentiful online when you are researching the design of your ideal outdoor space and a key step in the pool design process is choosing what type of fence you want to go with. Fences are often a legal requirement of pool ownership. Not to mention that fences are an important part

Read More »

When is the best time to build a pool?

The moment you make the decision to get a pool is incredibly exciting. People usually put a lot of time into planning the pool’s style, size, material, and even what deck furniture will compliment it. But there’s one important element that people often neglect to consider – the season in which to start their project.

Read More »

Understanding the Most Important Types of Credit Scores

Financial planning is one of the most important parts of life. It gives you the ability to set firm goals and progress toward them at a predictable pace. But it’s not always easy to make sense of the data needed to create solid financial plans. Credit scores in particular can seem intimidating at first and

Read More »

Payment Calculator

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).