Pool loans up to $50,000 - no collateral | Upgrade

Pool loans up to $50,000 - no collateral needed

Loan amount

Pay off Credit Cards
Debt Consolidation
Business
Home Improvement
Large Purchase
Other Loan purpose

Check your rate

Checking your rate is free and won't impact your credit score.

Are you a contractor looking to offer financing?
Learn more about pool financing.

Pool financing to increase the value of your home

Turn your backyard into an oasis with swimming pool financing that has affordable monthly payments.

Reach your goals with a personal loan through Upgrade

[Cover moving expenses\
Pay for your moving expenses with a personal loan\

[Improve your home\
Get the funds to remodel, repair, or build the home you want\

Best Personal Loans

Personal Loans

Best Debt Consolidation Loan

Best-of Awards 3X Winner

Personal loan reviews from our customers

See more reviews

It's quick and easy to apply for a personal loan online

Check your rate

Apply online in minutes and see your rate with no obligation or impact to your credit score.

Choose your personal loan

Review multiple loan options and decide which offer is best.

Fast funding

Accept your loan offer and you should get your money within a day of clearing necessary verifications.

Personal loans through Upgrade are flexible & customizable

Select an offer

Choose your monthly payment that won't ever change and fits your budget.

Fixed rate & term

Pick terms that fit your timeline.

A simple breakdown of a personal loan

Get to know the rates, fees, and your payback plan

If you're approved for a $10,000 loan with a 17.98% APR and 36-month term...

Your APR

The 17.98% APR includes:

Your money

You would get $9,500 deposited directly in your account

$10,000 - $500 = $9,500
Loan amount - Origination fee

Your payments

And, each month you would pay back $343.33 over 36 months

Personal Loan FAQ

Why pay for a swimming pool with a personal loan?

With Upgrade, you can quickly see your rate and how much you qualify for within minutes of filling out an application online, and the funds for your unsecured personal loan are directly deposited into your account within days of accepting your offer and fulfilling necessary verifications.† Plus, a personal loan can provide you with a low fixed rate and fixed monthly payments, so you know how much to budget each month and can circle the date on the calendar when the loan will be fully paid.

With a home equity loan or HELOC, you use the value of your home as collateral, which means you have to first go through the process of getting an updated home appraisal and complete extra paperwork to know how much you qualify for. Plus, using the equity in your home can work against you if property values in the area decline. With a HELOC, you’re issued a line of credit based in part on the difference between your home value and mortgage principal, and the rates on HELOCs may be adjustable, which means your HELOC payments may increase after you receive your money.

Credit cards often have high variable interest rates that can increase at any time. This can make it hard to know the true cost of a project and predict when you’ll be able to pay it off. When a specific project cost is mixed in with other living expenses, it can become even more difficult to plan when it’ll be paid off or even recognize when, or if, it has. With a personal loan through Upgrade, we eliminate those surprises. A personal loan can provide you with a low fixed rate and fixed monthly payments, so you know how much to budget each month and can circle the date on the calendar when the loan will be fully paid.

Read more about the pros and cons of a personal loan, credit card, or other financing options.

Do I need collateral for a personal loan for home improvement?

No! With a home improvement personal loan through Upgrade, you don’t need to use your home as collateral. This makes the application process simpler and easier. You can check your rate in just a couple of minutes with no impact to your credit score and for no cost. You can skip the process of getting an updated home appraisal and focus on your home improvement project.

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