There are 2 main types of financing for a swimming pool project: Unsecured and Secured.

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Unsecured Financing:

Signature loans and Construction loans are the most common form of project financing. These loans are based primarily on your credit score and your debt to income ratio. These loans are available from Credit Unions and specialty lenders with terms up to 20 years. Unsecured loans are fast and can generally be obtained within a week.

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Secured Financing:

These loans are generally tied to your home mortgage. A Home Equity Line of Credit (HELOC) is the most popular form of Secured financing. The advantage to these types of loans is that the interest rate is usually lower than with unsecured loans. But, this form of financing is not generally an option for newer homeowners as they are based on the equity built up in your home. 

Unsecured loans usually require a lengthy appraisal process and can take up to six weeks to obtain.