I Want A Pool But Have Poor Credit

by Shelly
(Pennellville, NY)

My credit score is only a 540. I know that this is low but I have been working to clean up and I would rather not have to wait another year.

Is there any place to get a loan for a inground pool?

Thanks for the question Shelly

Although an inground pool is great and lots of fun, you really need to do the math. Like my pool financing page says, it's very easy to get in over your head because of the emotional attachment you may have to a swimming pool.

Unlike a car, an inground pool is much harder to repossess if the payments are not made. You might be talking about judgements and/or liens on property, paychecks, or other assets.

Before getting into an inground pool, would you consider an above ground pool? I know they're not as flashy, but it may serve your purpose, at least for right now. Aboveground pools are also much less expensive.

Aboveground Swimming Pools

I would encourage you to reconsider getting an inground pool. But, if you have your mind made up, here are some good leads that you could follow:




To post a reply, or if you have a similar question, you can see your post on the Q&A page in the "Pool Costs" category.

Check back to this post for updates or answers.

If you need immediate assistance (within 24 hrs) or for emergency personal assistance, you can make a donation of your choice and I'll answer your questions by phone.

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Hope this helps and have a great Summer.


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Jan 10, 2015
Locating Resurfacing Companies That Use A Good Process
by: Carl (Santa Clara, CA)

I am in the process of getting my pool resurfaced. I have removed the old (top-layer) of plaster myself, but have been told that I need to strip down to the gunite.

I'm trying to find a reputable company in my area that will do a hydroblast prep and use Bonding Kote/SMG or Multicoat Scratch Kote 2000, but I'm not sure how to go about doing that...

Thanks for the question Carl

I don't know of anyone in your area that does hydroblasting work but I can say you do need to go all the way down to to gunite to have a proper job performed.

Concerning how to get the right contractor, you can start with the local pool companies for references. The BBB is a good source along with asking family, friends, and co-workers who may have pools. Phone interviews can cut the time down as well.

I did contact another pool guy who lives in CA and he gave me this reference:


They're in Santa Clara and if they can't do the job they may be able to point you in the right direction.

Some questions to consider are:

How long have you been in business?
Who will be the project supervisor
Do you subcontract any work out? If so, who are they and why do you use them? How long have they worked for you? Are they insured? Be sure to get everything in writing.
How about liability insurance?
How many projects like mine have you finished?
I need a of references from those projects
Do you belong to any professional associations?

Remember you're looking at the finished product. That doesn't necessarily mean the lowest price. You're looking for value.

Some things to avoid are:

The contractor says they want alot of money upfront. More than a 1/3 is too much.
They demand cash only. While this isn't all that bad because of the fees credit cards charge, be sure to get a receipt. If it's not in writing it didn't happen.
Be sure the business has a physical business address, just a post office box number

Get an agreement and estimate in writing before any work is to be done. A contract will provide protection in case something goes wrong.

Hope this helps


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