Pool Loans & Financing Options
A backyard pool can provide endless enjoyment and family memories, but there is no denying that it can be a costly undertaking. Due to the investment required, people often assume that they can’t afford a pool.
But what they don’t realize is that, with the wide variety of pool financing options available, the dream of owning a pool is likely within reach for many homeowners.

What is Pool Financing?

Pool financing is a type of loan or credit line that can be used to pay for a new pool over time. Common pool financing options include home equity loans, secured or unsecured personal loans, home equity lines of credit (HELOCs), or direct financing from a pool dealer, all of which can make owning a pool more obtainable for many homeowners.

Pool Financing Options

When researching the best way to finance a pool, the wide range of options available can seem overwhelming at first. But typically, there are three main categories of pool financing to be aware of: in-house pool loans, financing that leverages the equity in your home (like home equity loans or HELOCs), and personal loans.
Pool financing is not one-size-fits-all, which is why it is important to carefully consider the pros and cons of each to ultimately decide which type of financing best fits your needs.

In-House Pool Loans

One of the most common ways to finance a pool is to work with your pool dealer to secure a pool loan through one of their preferred lenders. This is a popular option for homeowners because it is convenient and helps streamline the process, as your pool dealer will be able to speak to what information is required, help with paperwork and answer any questions you might have. This ultimately helps speed up the process and can help increase your chances of getting approved for the loan, which is win/win for everyone.
Home Pro has partnered with two trusted industry leaders in Lyon Financial and LightStream to provide pool loans to customers directly.

Home Equity Loans & HELOCs

Home equity loans and home equity lines of credit (HELOCs) are a common way of financing a new pool. With both, you’re able to draw upon the equity of your house. However, there are some key distinctions between these two types of financing options.
A home equity loan, or “second mortgage” offers fixed interest rates over a fixed loan term. A HELOC works similar to a credit card, where you’re offered a line of credit based on the value of your home and are able to draw upon it as needed, for the length of the loan term. HELOC interest rates are typically variable rather than fixed, making it more difficult to predict what exactly you’ll owe.
Because you’re using your home as collateral, you typically are able to get a lower interest rate. However, if you default or fall behind on payments, you can potentially lose your home, so it is important to stay current.
Leveraging the existing equity in your home can be a great way to finance your pool. It’s a natural fit, as by adding a pool you’re making an investment in your home and intend to stay for a while!

Personal Loans

Personal loans are typically unsecured loans that you get from a financial institution or online lender that can be used for a wide-range of purposes, including a new pool. Unsecured loans are based on a person’s credit history and don’t require property to be used as collateral in order to secure the loan. Because these loans are for personal use, they are typically more flexible, have less stringent requirements and can be acquired fairly quickly, making them a good option for those looking to finance a pool, but do not want to use their house as collateral or do not have significant equity.
While unsecured personal loans do not require collateral, they typically have higher interest rates. These types of loans also usually have fixed terms ranging from 12-84 months.


16′ x 40′ – 2″, Depth 3′ – 9″ to 6′ – 3″ *

Soak up the sun in the Synergy, its subtle curves provide the perfect balance between the modern feel of a rectangle and the creative spirit of a freeform.

Specs & Features

Below you will discover a number of details relating to this pool shape. Information included ranges from this shape’s exact measurements to features that are included and available options to consider. If it’s not exactly what you were looking for please make sure to check out our other Similar Models.

Sizes & Specs

16′ x 40′ – 2″, Depth 3′ – 9″ to 6′ – 3″ *


Swim Up Seating

Swim up seating is the perfect way to enjoy your swimming pool. Submerge yourself partially under the water to effortlessly enjoy your pool. Benches and seats bring a great conversation area into the pool. Most folks just want to relax when they hit the water; these offer a great way to do that. In fact, some of our customers have referred to them as their beverage bench. They enjoy winding down at the end of a long day with their favorite beverage in hand.


Slip Resistant Steps

These offer secure entry points into the swimming pool. Both young and old will be using the swimming pool, so it is essential to have a convenient option for entering the pool. All entry steps are easy on the feet and help ensure safety.


Lifetime Warranty

Latham products are known for their innovative technical features, many exclusive and patented, that improve product performance and extend product life. We also pay rigorous attention to detail throughout the manufacturing and Quality Assurance process. Because we design and build our products better, we are able to back them better – with the longest, strongest warranties in the business. please visit YourPoolWarranty.com.


Crystite Color Technology

Crystite Colors and Crystite Technology were introduced to the swimming pool industry in 1995. Over the past 24 years they have become the fiberglass swimming pool industry’s premier color family. This is why Latham offers exclusive color options utilizing this leading edge technology.


Fiberglass Laminate Construction

Latham’s Fiberglass Pools are the strongest in the industry. With the use of Reinforced Ribbing, Carbon Fiber and Biaxal reinforcements as well as Ceramic Infused Polyester combined with Pure VE Fiberglass, Latham is able to achieve increases the strength/flexural stiffness of our shells by 32%.



Waterline tile and mosaics are a fun and creative way to give your pool a personal touch. We are happy to offer a variety of tile options for your pool. Tile is available on steps, floors and around the perimeter. Be sure to ask your Latham Independent Builder to show you the various options and layouts that are available.



Bubblers are the icing on the cake when it comes to having a Water Feature You Can Swim In! These simple built-in features require very little water and are economical to run around the clock. An easy way to create outdoor elegance. Bubblers are available on all Fiberglass swimming pool models, tanning ledges, and fountain pans.


Automatic Vacuums

This is the perfect option to make cleaning your Latham Fiberglass Pool effortless. Different options are available so be sure to check with your Latham Independent Builder for the model that is right for you.



Listen to the intoxicating sounds of waterfalls that originate in the coping of your own Latham Pool. Latham Cascades are available in a variety of sizes and quantities for invigorating and attractive waterfalls that fit the size and landscape of your pool.



Pick and choose your spillways and spill-overs. Make them as wide or as narrow as you desire. You can also add as many as you want! Why be stuck with an ugly, small pre-made spillway? Go with a Latham Pool & you don’t have to!



Enjoy your Latham Fiberglass Pool and Spa long into the night with added lighting options. Choose from a variety of styles and brands to create your perfect late night getaway.


Tanning Ledge

Tanning ledges offer luxury living at its finest. If you are looking to bring home that resort vacation, tanning ledges are a great way to recreate that experience in your backyard. Tanning ledges can vary in depth, our standard for a tanning ledge is 12” from the top of the pool which equates to about  6”-8” of water depth. Outfit the tanning ledge with ledge loungers, bubblers and enjoy your favorite beverage.

Home Pro has fiberglass pools in stock direct from the factory.
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If you would like our team to design a virtual reality rendering of your home and pool, at no charge, please provide your address! We are confident once you see your dreams come to life, you will want your pool even more! Our team uses Google Earth Software to design the rendering. Additional images may be requested to provide a more accurate drawing.