You can patch it yourself.

Yes, a small tear above the waterline is a simple DIY fix. No need to call a pool pro for this.

Get a vinyl liner patch kit from any pool supply store. Clean the area around the tear with rubbing alcohol or acetone. Cut the patch round with rounded corners (sharp corners peel easier). Apply adhesive, press firmly, and wait 24 hours before filling.

Don’t use duct tape or random patches — pool vinyl needs flexible, waterproof adhesive. A proper kit costs less than $20 and takes ten minutes.

Just don’t ignore it. A small tear becomes a big tear fast.