A general rule when determining your monthly budget is to estimate a $90 payment for every $10,000 borrowed. So for example, a $45,000 loan at 6.5% interest for a 15-year term is $392 per month. Another example would be if you were to get a loan of $100,000 (with those same terms), it would be $897 per month. The terms and conditions of pool financing may change on a month-to-month and year-to-year basis; the above statement is merely a general rule.