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Take a dip with a Handy loan

Invest in your home today, with low-rate pool financing. Swap the large upfront cost of investing in a pool or spa for easy and affordable repayments with Handy.

$2-75k Loan Amounts

$0 Monthly Fees

$0 Early Repayment Fees

1-10 yrs Flexible Loan Terms

The Process

3 quick and easy steps to securing your loan

Get a Free Quote

Obtain an indicative rate quote in minutes, without impacting your credit score!

Apply in Minutes

If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.

Get Your Funds

You will receive an indicative decision in seconds. Once approved funds should be in your account within 24 hours

Get a quote
Get a Free Quote icon
Get a Free Quote icon
Get a Free Quote icon

Get a Free Quote

Obtain an indicative rate quote in minutes, without impacting your credit score!

Review
Apply in Minutes icon
Apply in Minutes icon
Apply in Minutes icon

Apply in Minutes

If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.

Get funds
Get Your Funds icon
Get Your Funds icon
Get Your Funds icon

Get Your Funds

You will receive an indicative decision in seconds. Once approved funds should be in your account within 24 hours

Pool and spa loans calculator

Estimate what your repayments could look like so you don’t have to stress about your pool and spa loan.

Calculator
Calculator
$25000
4 Years
Select repayments type
Your Repayments From
$254.85
per week
This will not impact your credit score
Indicative Rate From
6.57%
Comparison Rate From
7.19%
The interest rate and repayment amount are estimates only and are based on the information you have provided. Your actual interest rate and repayment amount may be different. Terms and conditions, fees and charges and eligibility and lending criteria apply.
Fund
The interest rate and repayment amount are estimates only and are based on the information you have provided. Your actual interest rate and repayment amount may be different. Terms and conditions, fees and charges and eligibility and lending criteria apply.
Bubble pool loan
Swim in the pool
Relax in the sauna
Adding a pool or spa
Flexible swimming pool financing

Swim in style with a Handy loan

Enjoy your pool, spa or sauna sooner rather than later. Handy pool and spa loans give you everything you need to make it happen now.

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A quote won’t impact your credit score

Frequently Asked Questions

The basics of pool and spa financing

A pool or spa loan is a financing option designed to help you install a pool or spa at your home. It’s a personal loan that covers everything you need to set up your pool or spa.

Taking out one of our Handy Finance Pool Loans is one way to finance a pool. Our pool or spa loans provide cash upfront, so you can take advantage of any deals when planning your purchase. At Handy Finance, we make quick delivery a top-tier priority. If your application is approved, we will deliver funds to your bank account within 24 hours.

The same way that any other personal loan works. Apply for your swimming pool loan online and receive an indicative decision from our team within minutes. If approved for the pool loan, we will settle the funds within 24 hours. 

All Handy Finance loans come with a fixed rate, so you will know upfront exactly how much you need to pay back so you can budget and plan accordingly. Handy Finance gives you the option of paying back your loan weekly, fortnightly or monthly over a term of one to seven years.

When you take out a Handy Finance Pool or Spa Loan, you are committing to use the money to cover the costs of purchasing and installing your pool or spa. It can also be used to cover associated costs – such as building safety fences or installing other pool equipment, but the main purpose of the loan should always be financing your pool or spa. It may be that one of our other loan types – such as a home renovation loan or general personal loan – may be more suited to those expenses. Give one of our loan experts a call today to find the right product for you.

Handy Finance offers repayment terms of one to seven years on all our pool loans. There is no typical loan term for a pool and spa loan – because Handy Finance Pool or Spa Loans are tailored to your financial situation. We want to help you achieve your wish of installing a pool, which is why we focus on offering tailored loans you can repay without any added financial stress.

Yes, it can. A swimming pool can add value to your property, especially if you live in an area with a high demand for private pools or one popular with families. Lap pools, plunge pools or hot tubs can also be fun features that draw in potential buyers for your home.

The best way to figure this out is to do your research! Find out what kind of pool or spa you want in your home. Get some quotes from reputable suppliers. This means when you apply for your pool or spa financing, you’ll have a good idea of how much extra money you need, and you can tailor your application to suit. You can finance the full cost of your pool or just partly cover it with your Handy Finance Pool Loan.

You can. Pre-approval helps you gain a better picture of your borrowing power and can help you set a final budget when choosing pool installation options. Find out more about how pre-approval works by contacting the Handy Finance loan experts today.

Loan Eligibility and Considerations

When you take out a Handy Finance Pool or Spa Loan, you must meet these criteria: 

  • Be at least 18 years of age
  • Be a permanent Australian resident or an Australian citizen
  • Be currently employed (including self-employed)
  • Have no outstanding or unpaid defaults
  • Have no history of bankruptcy or be party to a court judgment.

Yes, you can apply for a hot tub loan with Handy Finance if you rent a property. Hot tubs are considered personal property as they are often not permanent fixtures, so they are a great option for renters who dream of their own water oasis but can’t make any permanent adjustments to their property.

Interest and Loan Terms

When pool financing is fixed, it means the interest rate for the loan stays the same for the whole term of the loan. Each week/fortnight/month (depending on the terms of your loan), you will make the same repayment for the lifetime of the loan. At Handy Finance, all our pool and spa loans are fixed-rate loans. 

Variable financing has an interest rate that will move with the market. Your repayments will change each week/fortnight/month (depending on your schedule). We don’t offer variable-rate loans at Handy Finance.

Fixed-rate loans are completely transparent from day one – because the rate doesn’t change, you know exactly how much you will be repaying and how often for your loan.

Handy Finance will offer you an interest rate based on your personal credit history and situation. You can find your personalised rate in just a few minutes with our free quote. Please note that this rate is just an estimate, and it won’t affect your credit score.

Repayment Specifics

With Handy Finance, you can repay for up to seven years. Repayments on Handy Finance pool and spa loans can be made weekly, fortnightly or monthly. You must use direct debit for all scheduled repayments. To make repayments ahead of schedule, log into your borrower dashboard using BPAY.

If financial hardship is making repayments difficult to meet, please contact the Handy Finance team on 1300 990 115 or info@handyfinance.com.au

Lender Specifics

Traditional bank lenders have higher operating costs, resulting in higher rates. Handy Finance keeps rates low by keeping operating costs down and remaining focused on our mission – allowing people to live life to the fullest.

General Loan Information

Pool and spa loans from Handy Finance range between $2,001 and $75,000, depending on how much you need, your income and your credit rating.

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Have questions? Handy Finance can help

For more information about loans with Handy Finance, check out our helpful resources, get in contact with our team on 1300 990 115 or complete our online enquiry form.

For the pool or spa you’ve always wanted, get started with a Handy loan today

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A quote won’t impact your credit score