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.

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.

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.

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.

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.

Pool and spa loans from Handy Finance range between $2,001 and $100,000, depending on how much you need, your income and your credit rating.