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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 offer discounts for those on 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

person applying refreshing coat to poolside wood decking

Pool Deck Resurfacing Options

If you have a pool deck then it’s almost certain that you’ve gotten a lot of use out of it. It’s easy to lose sight of the damage your deck’s accrued over years of fun and adventure. Thankfully, resurfacing can repair damage and even make your deck look better than it did on day one.

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man measuring and marking bricks for a decorative two tone paver pattern

Learn About Hardscaping

Your yard has some amazing and as of yet untapped potential. In fact, that’s true of most people’s yards. The true secret is proper planning and execution of hardscaping done hand in hand with general landscaping. Hardscaping done right can have a dramatic effect on your outdoor spaces and is a great option to add

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A man swimming in a hot tub.

Unwind or Train: The Dual Benefits of Owning a Swim Spa

Pools and spas are a great investment for your health. Pools offer a wide variety of fitness options and spas are a fantastic way to soothe both mind and body. They create a tremendous pairing of workout and warm down when combined. But you can also benefit from a smaller and more focused package –

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backyard deck with a pergola over some seating and a large above ground pool

Permanent Above Ground Pools – What To Consider

An Introduction to the Above-Ground Pool Experience Talk to anyone about pools long enough and one single fact will quickly become self-evident. Almost everyone wants a pool. There’s just something ubiquitous in the desire to lose yourself in a pool’s refreshing water on a hot summer day. But while everyone might be steadfast in their

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Pool Renovations – What You Need To Know

You undoubtedly want to get the most out of your property, and there are few better ways to do so than renovations. But there are some areas of renovation, like pools, that aren’t exactly straightforward. However, when you learn about what goes into the process you can get the most out of it. The renovation

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A swimming pool in the backyard of a house surrounded by palm trees.

Vinyl Liner Pools

Vinyl inground pools are one of the most popular swimming pool types. But their popularity doesn’t always go hand in hand with familiarity. There’s a lot to learn about vinyl before deciding on whether or not it’s the right option for you. And you’ll soon discover every important point about it. So when the time

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How Much Would You Like To Borrow?

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).