Deck Financing

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Deck Financing For Contractors & Homeowners

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Deck Financing Made Easy

Maybe your home needs a new deck financed, or you’re a contractor looking to finance a new deck project. Or you’re finally getting around to fixing a broken deck in need of a revamp? No matter what your reason is, let Acorn Finance help you secure deck financing and even patio financing. Secure financing for decks up to $100,000, even with bad or average credit. You will also get some of the lowest rates in town when financing your new deck or deck repair project through Acorn. Repair your deck or build a new one today by financing through Acorn Finance.

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How We're Different

Get Offers in Seconds

Get pre-qualified for multiple loan offers with an easy online form.

Won't Impact Your Credit

Receive pre-qualified offers with no impact to your credit scores.

Competitive Payment Options

Loans up to $100,000; Terms up to 12 years; APRs as low as 3.99%.

Receive Funds Quickly

In some cases, receive funds in as little as one business day.

“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”


– Mike T. (TN)

“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”


– Carol R (FL)

“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”


– Bob S (WI)

Ready To Secure Deck Financing?

Compare deck financing options without affecting your credit score.


Deck Financing & Loan Options for Homeowners

Financing a deck can be a rewarding investment that can increase the desirability and value of your home while maximizing living space.

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Can you finance a deck?

Yes, you can finance building a deck and there are a variety of ways you can do so. If you are working with a builder they may offer financing. Whether you are working with a builder or not you should look into using a home improvement loan, personal loan, or credit card. Low APR personal loans are available for all credit types and can be easier to secure than home improvement loans. Most of us already have a credit card but interest rates can be high and limits may not be high enough to finance your deck project. In addition, it can negatively affect your credit to use a majority of a credit card’s available balance.

Is financing a deck a good investment?

Adding a deck to your home can be a worthwhile investment. Decks can enhance appearance and create more functional living space at a minimal cost per square foot. Homeowners report recouping about 85% of their deck cost after selling their home. Building a deck can help your home sell faster compared to a similar home without a deck.

What’s the cheapest way to build and finance a deck?

If you are trying to save money building a deck you should try to do as much of the work as you can on your own and use cheaper materials. Pressure treated wood is one of the cheapest decking materials. It usually costs between $0.75 to $1.25 per linear foot. You may be able to find deck materials cheaper or for free on local sites such as Craigslist. Building a pallet deck can also help you save money. Pallets are often free or very inexpensive. However, it’s likely that pallets won’t last as long as other options. Untreated wood can be another affordable material option for building a deck. If you choose this option you should use sealants to help prevent any decay or rot.

How much does a 12×12 deck cost?

On average, a 12×12 deck or 144 sq ft. deck should cost between $2,160 to $5,040. That breaks down to an average of about $15 to $30 per square foot. The final cost of your deck can vary depending on materials, size, level built on, and added options. Most contractors provide a free estimate that can help you determine your options and what they cost. Hiring a professional may cost more initially but helps ensure your deck is built properly while eliminating long term problems. However, if you are on a tight budget you can build a DIY deck. If you choose to build your own deck you should do your research beforehand and consult a professional with questions along the way. Building a deck can involve many tools which can be costly if you do not already have them. On average labor for building a deck costs between $8 to $22 per square foot.

How much does it cost for a 20×20 deck?

On average a 20×20 deck or 400 sq ft deck should cost between $6,000 to $14,000. If you are hiring a professional to build your deck, they may give you a discount for building a larger deck.

Does adding a deck increase property taxes?

A deck or any structural changes to your home can increase property taxes because it’s presumed to increase your home value.

How long does a deck last?

If wooden decks are maintained with proper care they should last about 15 years. However, wood is one of the least durable deck material options. If you use plastic or steel lumber for your deck it can last much longer. Most plastic products come with a 50 year warranty.

Can you finance a backyard project?

Backyard projects can absolutely be financed! While financing fees may increase the overall cost of the project, financing a backyard project may still be a smart idea. Afterall, it’s proven that home improvements such as landscaping can increase a home’s value. When it comes to home improvements and backyard projects, it can be smarter to use financing in order to ensure you have enough money to complete the project properly rather than taking shortcuts to make the project cost effective. Before applying for financing you should determine how much your project will cost. Whether you plan to hire a professional or DIY a backyard project you can use financing. In some cases, contractors may offer financing. While this may be a convenient option we encourage homeowners to compare offers. Acorn Finance makes comparing financing offers for backyard projects a breeze.If you walk outside and envision a deck, a basketball court, a swimming pool, or perhaps a lavish garden but do not have the funds to bring your vision to life, you should consider financing for a backyard project.

What type of loan is best for home improvements?

The type of loan that is best for financing backyard projects usually depends on your finances and how much you need to borrow. Homeowners with plenty of equity in their home may choose a secured home equity loan or line of credit. Homeowners who do not have equity in their home may need to use an unsecured personal loan. Unsecured personal loans may be easier to get, thus making them a popular option. While secured loans may offer some perks such as lower interest rates and higher loan amounts, they can have lengthy application processes. Secured loans are usually more common for major home improvements. A little later on we will discuss some other home improvement loan options.
Regardless of the type of loan you use, financing allows homeowners to get the funds they need upfront and make affordable monthly payments over time with interest. The idea of a monthly payment may be enticing but if you have the cash available you may want to use it. Depending on the lender, loan fees and interest rates can vary. Paying cash for home improvements is the cheapest option. If you don’t have the cash, don’t be hard on yourself but be sure to explore and evaluate the various financing options available to make the best decision.

How do you finance a backyard renovation?

There are two main choices for financing a backyard renovation – an unsecured loan or a secured loan. In some cases home improvement loans or backyard renovation loans are financed by an unsecured personal loan. In addition, if your builder offers financing, there’s a good chance they are partnering with lenders that offer unsecured loans. It’s likely that more homeowners will qualify for an unsecured loan versus a secured loan. Additionally, secured loans require more legwork to obtain. Builders want to avoid being stuck in the middle of a complicated loan process that they really have nothing to do with. If a builder is offering financing it may be convenient but we encourage you to compare your options.
If you need to finance a backyard renovation you can secure financing through a bank, credit union, or online lender. The internet increases competition for lenders so you may be able to find the best deals through online lenders. Acorn Finance can connect homeowners to multiple online lenders that offer backyard renovation loans. Most lenders will have borrowers start the loan process with an application. If the application is approved, the borrower may be required to submit other documents such as proof of income before the loan can be funded.

How much should I spend on a backyard renovation?

Determining how much of a monthly payment you can afford is the first step in deciding what your budget is. While there is plenty of information in this blog and on the internet that suggests what certain backyard renovations may cost, every project is different. It may save you time to get a free professional estimate pertaining to your backyard renovation. Consulting a professional can help you create a realistic budget while determining appropriate modifications if you need to trim down costs. To make a backyard renovation more affordable, you may need to DIY some of it or perhaps spread it out over time. What you want to avoid is cutting costs to the point where you are cutting quality and finished results. If you are going to do a backyard renovation, you might as well do it right. Even if that means spending extra money.

How do I get a loan for a deck?

The easiest way to secure a loan for a deck is by comparing offers online at Acorn Finance. Within seconds you can compare multiple personalized deck financing offers. If you prefer face-to-face interactions, you may want to visit a local bank or credit union to apply for deck financing.

How much does it cost for a 10×10 deck?

A 10×10 deck is cozy and affordable. For small gatherings or a quiet place to enjoy your morning coffee a 10×10 deck may be just what you need. According to Home Guide, the average homeowner spends about $2,200 to build a 10×10 foot deck. If you are using pressure-treated wood, composite, or hardwood you can expect to pay about $25 per square foot including materials and installation. Home Guide shows on the high end a 10×10 foot deck can cost up to $3,500. If you are using financing to pay for a deck, you may be tempted to go all out because you are focused on monthly payment rather than a lump sum of cash. As long as you can cover the monthly payment, it may be a smart investment to build a slightly larger deck. When determining project costs you may also want to include landscaping, patio furniture, grills, and other finishing touches. A slightly larger 12×12 foot deck can cost between $2,200 and $5,000.

Best Options to Finance a Deck:

Personal Loan

Personal loans can be one of the best options for financing a deck. On approved loans you can get a personal loan up to $100,000 with rates starting at just 4.99%. Most lenders offer long repayment terms up to 12 years. Whether you have good or bad credit, you can qualify for a personal loan. In addition, you can secure your personal loan from the comfort of your own home and receive funds as soon as 24 hours. In most cases, no collateral is required to secure a personal loan. Acorn Finance is a reliable source for personal loans.

Home Improvement Loan

Home improvement or home equity loans are another option for financing a deck. However, you will most likely need excellent credit and equity in your home to secure a loan. When you use a HELOC loan you are borrowing against the equity in your property. If you choose to use a HELOC loan you should visit your existing mortgage lender, bank, or credit union for approval.

Finance With Your Builder

Financing through your builder can be one of the easiest financing options. However, you have less control over shopping rates and negotiating price when you finance through the builder. In addition, some builders may still require a cash deposit.


In conclusion, adding a deck can be a good investment and financing options are available for all credit types. When it comes to financing it’s important to compare rates and terms for available offers. If you are looking into using a personal loan you should visit Acorn Finance allows you to submit one application – that does not affect your credit – and receive multiple personalized personal loan offers within seconds. In addition, personal loans can be used for just about anything. So why stop with just a deck? Take advantage of the borrowed money and create your dream backyard or front yard!

Contractor Financing For Decks & Patios

Antiquated, traditional lending options in the Deck and Patio industry are confusing, lengthy, overwhelming, and non-competitive. Acorn Finance changes all that. 

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We partner with numerous contractors, builders, and manufacturers in the Deck and Patio space to provide immediate access to numerous, competitive lenders.

Acorn Finance brings each of these lenders together to compete for each of your customers’ build projects by providing your customer with the most competitive rates and terms available.  As Acorn Finance continues to increase its lender partnerships, so increases the competition for even lower rates.

To partner with and compete on Acorn Finance’s platform, lenders are required to meet the specific needs of Acorn Finance’s contractors, builders, and manufacturers:

  • Applications must be quick, 2 minutes at most.  Our example application is here.
  • Applications must be pre-approved in under 10 seconds. Lenders provide multiple offers for your customers to review and choose which option is best for them.
  • Funds must be deposited within 48 hours. Assuming no prior financial issues (such as bankruptcies), customers receive direct deposit within 2 days.
  • Eradicate all completion certificates. You’re not answering to a bank/lender to receive compensation for services rendered.  You set the contract with the customer.
  • Loan amounts must go up to $100,000.  No more $65,000 caps.
  • Applications must not affect customer credit scores. Customers may apply 100 times per day without any impact to their credit scores.

And in response to Acorn Finance’s partnered builders and manufacturers additional demand, Acorn Finance now offers up to $5 million in business and commercial loans!

Free Data Analytics and Ongoing Training

Acorn Finance provides particular and specialized training for each of our partnered contractors, builders, and manufacturers’ sales agents, regional dealers, and business development managers. In addition, on a monthly basis, Acorn Finance provides your company’s corporate officers with monthly data analytics regarding your sales reps, national regions, and/or industries so that Acorn Finance can determine potential weaknesses and inefficiencies in your sales and marketing practices while providing ongoing training to rectify any issues.

Acorn Finance is here to help your company grow in ways you never knew possible, much of which can’t be fit onto a single web page. We’re more than happy to share a quick presentation about tailoring Acorn Finance’s unique platform and approach around your company’s current tools, resources, and efficiencies.  Everything we offer is 100% free; zero strings attached. That’s what makes Acorn Finance the best option for you and your customers.

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