We know that your pool is a great investment, in your home and in your family’s lifestyle for many years to come. At Trident Pools we are proud to offer pool financing options to help make your backyard dreams affordable.


Our PREFERRED lenders

To get started, select from one of our preferred lenders below, and then fill out their secure online pool loan application. A pool loan specialist will then contact you within 3-5 business days and lead you through the loan process. You are now one step closer to diving into your new Trident Pool!

Frequently asked questions

How Much Is A Pool Today?

The cost of a swimming pool can vary widely depending on a number of factors, including the size of the pool, the type of pool, the materials used, soil conditions, access, and the pool location. In general, a basic in-ground swimming pool in Santa Barbara can cost anywhere from $120K to $200K, while more elaborate designs with special engineering (caissons) can range from $225K – $500K.

It’s important to keep in mind that these are just general estimates, and the actual cost of a swimming pool can vary widely depending on a variety of factors. It’s always a good idea to consult with our team to get a more accurate estimate based on your specific needs and preferences.

What Is Required To Qualify?

Lenders will typically want to see a credit score of 650 or higher with a history of on time payments.

Debt-to-income ratio will need to be 35% to 45% depending on the loan program. A good way to figure your debt-to-income ratio is to add up any monthly payment that is to a creditor (mortgage, car loan, credit card bill, etc..) plus an estimated pool payment amount then divide by your monthly gross income.

Proof of income will be required for most loan programs. Variable income, such as commissions and bonuses, will need to have a two-year history to be counted towards your yearly salary amount.

What Terms & Rates Are Available?

On average, interest rates are going to range between 5% to 9%, with the most common rate being 6.25% to 6.5%. Those with significant equity in their homes will be closer to 5%, and those with credit challenges may be closer to 9%. All loans have fixed rates with no prepayment penalties.

Secured loans have terms from 5 years to 20 years. We find that most customers choose the 15-year option as the rate does increase on the 20-year loan product. Unsecured loans have 5, 10, and 15-year term options.

How much are monthly payments?

You can use our loan calculator as an estimator.

How Long Is The Loan Process?

Unsecured loans typically take 7 to 10 days from application submittal to loan signing. Secured loans can take 4 to 5 weeks from application submittal to loan funding. Please keep in mind that promptly returning the lender’s request for documentation will dramatically speed up the process!

The good news is that with a signed contract and a $1000 deposit, we can start on the construction plans and permits while you go through the loan process, which will help to get the pool dug up to a month sooner. All loans offer 100% financing, so the deposit would be refundable once the loan is funded, and those funds are released to Trident Pools.

How Are The Funds Disbursed?

Secured lenders will mail you dual-party checks that are made out to both you, the pool buyer, and Trident Pools. We will request a check for each phase of construction. You then endorse the check and give it to your Trident Pool construction manager.

Unsecured lenders will electronically disburse payments to Trident Pools upon your approval or agreed upon date. Payment disbursement is prescheduled or requested at one of the major construction phases.

I Already Have The Funds, How Do We Proceed?

Awesome because you are now one step ahead to enjoying your new backyard! Trident Pools accepts progressive payments throughout the major phases of pool construction. Landscape and remodel clients will have their progressive payment schedule detailed on their contract documents as the scope of work will vary from project to project. A simple $1000 deposit that goes towards your account balance is all that is needed to start the permit and engineering process. Are you ready to build? Contact us for a consultation today!

Is It Cheaper To Build A Pool In The Winter & Should We Wait?

This is simply a myth as it is not cheaper to build a pool in the winter. Every year we incur increases in labor, materials, and fuel which are passed onto the cost of pool construction. We recommend starting when its best for you and your family. Some clients prefer to start pool construction in the winter so they can start swimming and entertaining as soon as the heat comes. Keep in mind that pool construction in the winter can be a slower process due to rain and there will certainly be delays. Pool loan rates are at an all-time low, so let’s get you financed today!

Can We Pay With A Credit Card?

Sure can! Trident Pools accepts all major credit cards including American Express. Please note that all credit card payments will incur a 3% processing fee. The initial $1000 deposit is excluded from this fee.

How long is the pool permit process?

The amount of time it takes to obtain a pool permit can vary depending on a number of factors, including the location, the complexity of the project, and any special requirements or clearances. In general, the process of obtaining a pool permit can take anywhere from 6 weeks to several months.

Before applying for a pool permit, it’s important to do your research and make sure you understand the local requirements and regulations. This may include obtaining a survey of your property, having a soils engineer prepare a report, and obtaining necessary approvals from local zoning boards or homeowner associations.

Once you’ve gathered all the necessary documentation, you can submit your application for a pool permit. The permit review process typically involves a detailed review of your plans by local officials to ensure that your pool meets all necessary safety and building codes. Depending on the complexity of your project and the workload of local officials, the permit review process can take several weeks to several months.

Once your permit is approved, we can begin construction on your pool. It’s important to note that you should never begin construction on a pool without obtaining the necessary permits and approvals, as this can result in costly fines and legal issues.

How long does it take to build a new pool?

The length of time it takes to construct a swimming pool can vary depending on a number of factors, including the size and complexity of the project, the type of pool being built, and the availability of materials and labor. In general, the construction of an average-sized in-ground 20’x40’ pool can take anywhere from 60-90 days.

The pool construction process typically involves a number of stages, including excavation, the installation of the pool shell, the installation of the pool equipment and plumbing, and the finishing touches such as decking and landscaping. Each stage of the process can take several days to several weeks to complete, depending on the size and complexity of the project.

It’s important to note that unexpected issues or delays can arise during the construction process, such as inclement weather, material delays, or unexpected site conditions, which can impact the timeline.