A pool is one of the biggest “quality of life” upgrades you can make at home—but it’s also a real project, not just a single product. Financing can be a smart way to spread the cost into predictable monthly payments, as long as you plan for the total cost (pool + site prep + electrical + finishing work) and choose a payment plan that fits your household budget.

At ProPools, financing is available through Bread Pay™ with clear terms, competitive rates, and no prepayment penalties—meaning you can pay extra or pay it off early without a fee. You can also get a decision quickly, and checking your rate is designed not to impact your credit score.

The #1 mistake buyers make: budgeting only for the pool kit

When customers tell us, “I want to finance a pool,” they usually mean the pool package. But the pool package is only one part of the project. Before you choose a pool type (and definitely before you choose a monthly payment), build a simple “all-in” budget.

Typical cost buckets to include

• Pool package: pool structure/walls, liner (if applicable), skimmer/returns, and core equipment

• Circulation equipment: pump, filter, valves/fittings, plumbing runs

• Water + startup: initial fill, startup chemicals, test kit

• Site prep: leveling, base material, sand/stone dust, blocks, patio blocks, etc.

• Electrical: bonding/grounding, GFCI, trenching (often required)

• Safety + code: fencing/gates/alarms as required locally

• Finish work: deck/patio, steps/ladder, landscaping, retaining/backfill (semi-inground)

• Contingency: a cushion for “surprises” (rocky soil, drainage fixes, extra base material, etc.)

If you plan for the whole project up front, financing becomes a tool you control—rather than something you use to “patch” a budget that’s already stretched.

How financing differs by pool type

1) Above Ground Pool Kits (lowest overall project cost, simplest scope)

Above ground pools are usually the most straightforward to finance because the pool kit + equipment typically represents the biggest portion of the project. Site prep still matters (leveling is everything), but it’s generally less complex than other pool types.

• Most buyers finance the pool package and pay site prep/base materials out of pocket.

• Accessories (ladder, maintenance gear, lighting) may be already bundled in the pool kit or added later depending on budget.

2) Semi-Inground / On-Ground Pool Kits (mid-range, “hybrid” project)

This category tends to be the most misunderstood. Semi-inground/on-ground pools can look “inground-ish,” but the install often includes extra site work: backfill, drainage planning, and sometimes retaining/finish solutions depending on your yard and design.

• Financing often covers the pool kit and primary equipment and accessories.

• Local labor/site work is frequently separate, because every yard is different.

3) Inground Pool Kits (largest scope, most “trades” involved)

Inground pools often require multiple trades: excavation, electrical, plumbing runs, concrete or pavers, and sometimes permitting/engineering depending on location but can still be done by a handy homeowner. The pool kit is the major cost, but the surrounding work can be just as significant depending upon your taste and style.

• Many customers finance the kit and major equipment, then if used, coordinate local trades separately.

• Expect the most variance here—soil conditions and finish selections can swing the project cost dramatically.

How ProPools financing works (Bread Pay™)

ProPools financing is offered through Bread Pay™. Key points customers care about most include eligibility, payment terms, and flexibility.

• Purchases over $250 may qualify

• Common term options include 6, 12, or 24 months (subject to approval)

• No prepayment penalties (pay extra or pay off early without a fee)

• Fast application with a quick decision

• Checking your rate is designed not to affect your credit score

• Loan approval and APR vary by credit profile, loan amount, and term

• Bread Pay™ plans are loans made by Comenity Capital Bank (Bread Financial)

Important note: financing terms and rates can change over time, so always review the current terms you see during checkout.

Step-by-step: financing your pool purchase online

While the exact checkout screens may vary slightly, the process typically looks like this:

1. Choose your pool type and package (above ground, semi-inground/on-ground, or inground kit)

2. Add items to your cart (pool package, equipment upgrades, and accessories you want included)

3. Select Bread Pay™ at checkout

4. Complete the application to receive a decision

5. Review the terms and monthly payment to confirm it fits your budget

6. Place your order and keep your confirmation details for planning

If you want help selecting the right package before you apply, that’s usually the best time to call—so you’re financing the right setup the first time.

Choosing the right monthly payment (what we recommend)

Financing should reduce stress, not create it. Here are practical ways to pick a plan that stays comfortable:

• Keep your payment below your “comfortable” number, not your “maximum” number.

• Leave room for the rest of the project (electrical, base materials, decking, etc.).

• Avoid financing optional add-ons you’re not sure about; you can often add accessories later.

• Plan for seasonality and timing—delivery, install schedule, and contractor availability.

• If your plan allows early payoff without penalties, paying extra when you can may reduce overall interest.

Need help? Talk it through with a real person

If you tell us your yard situation (flat vs slope), the pool type you’re leaning toward, we can usually help you narrow down a package that fits your goals without overbuying. 888-352-7582 or [email protected]

Phone support is available at 844-992-7323, with posted hours Mon–Sat (6am–1am EST) and Sun (8am–12am EST).