Swimming Pool Trends: Pool Financing in 2025

Swimming pools continue to be a highly desirable home improvement, but how homeowners pay for them is evolving. At HFS Financial, we’ve seen changing customer preferences, interest rate shifts, and growing demand for customized pool experiences shape the pool loan market. Whether financing a brand-new build or a full renovation, pool financing is a key part of making these backyard dreams a reality.

Key trends shaping the swimming pool loan market

1. Rising demand for pool remodel loans

• While new pool construction remains strong, there’s been a notable increase in pool remodel loan applications. Many homeowners are choosing to upgrade outdated pools with modern features like LED lighting, tanning ledges, and energy-efficient systems instead of starting from scratch.

2. Longer loan terms and larger loan amounts

• As pool designs become more luxurious and complex, borrowers are opting for higher loan amounts and longer repayment terms to better manage monthly payments.

3. Preference for unsecured loans

• More customers are choosing unsecured personal loans over home equity options. This trend allows for faster approvals and fewer barriers to funding, ideal for time-sensitive seasonal projects.

Analyzing the data: What our insights show about pool financing

At HFS Financial, we’ve reviewed thousands of loan applications over the years, giving us unique insight into pool financing trends. One standout observation is that average loan values for swimming pools have remained steady at just over $80,000. This consistency reflects the long-term value homeowners place on building or upgrading a backyard oasis.

We’ve also noticed a seasonal pattern in loan sizes. Interestingly, average loan values tend to peak in the fall and winter months. Why is that? Our theory is that customers tend to plan more extensive and customized projects during these cooler seasons—things like pool remodels, added spas, and hardscape enhancements. In contrast, spring and summer borrowers may focus on getting the basics done faster so they can enjoy their pool during the warm weather.

While larger projects seem to take shape in the off-season, overall interest in pool loans surges in the spring and summer. These are the months when many homeowners are inspired to act—researching designs, lining up contractors, and using our tools to check their financing options.

Factors driving current pool financing trends

Several key factors are influencing today’s pool financing environment:

• Interest rates: While rates remain higher than pre-pandemic levels, many borrowers are locking in fixed-rate personal loans to avoid further increases.
• Lifestyle investment: Homeowners continue to prioritize outdoor living, especially in light of work-from-home flexibility and the desire to enhance their property’s value and livability.
• Faster loan decisions: With tools like HFS Financial’s “Check My Rate,” borrowers can quickly preview their rates without impacting their credit, helping them move forward with confidence.

Future outlook for pool financing

Looking ahead, we expect a continued increase in pool remodel loans and financing for outdoor enhancements like kitchens, spas, and decking. As technology improves and materials evolve, demand for modern, low-maintenance pools will likely remain high, along with the need for flexible funding solutions.

Navigating the evolving pool financing market

Whether you’re building new or upgrading what you already have, understanding pool financing trends helps you make a smart investment. At HFS Financial, we’re here to guide you through every step of the process, from exploring your loan options to funding your dream pool.

Ready to get started? Learn more about our pool loans and inground pool loans, and check your rate today with no impact on your credit score.