Because we don’t make the final decision about who qualifies for pool and spa financing, we don’t know what specific information our financing partners are looking at. You should contact them to find out how they evaluate your financial information and what they look for when making their decisions. In general, lenders who offer short-term loans, home improvement loans, and small loans look at your credit history, credit score, employment information, equity, bank accounts, existing lines of credit, income sources, and age to evaluate how trustworthy you are as a recipient.