Landscape Financing

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Landscaping Financing With Acorn Finance

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Acorn Finance puts you in control of your landscaping dreams – we let you compare personalized offers from lenders in our network, with no impact to your credit score. That means multiple landscaping loan offers for your new backyard, front yard, or garden in seconds. We’ll help you check for pre-qualified landscaping loans in seconds with our broad network of national lending partners. You can easily sort the offers based on what’s most important to you: interest rate, payment amount, length of the loan term. Our 100% online, customer-friendly process is designed to help you find affordable payment options with lenders that can quickly finance your landscaping project.

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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.

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

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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)

Secure Landscaping Financing Today

Compare landscaping loans without affecting your credit score.


Landscape Financing Explained

Whether you’re starting from scratch, sprucing up your yard, or adding a few exotic plants you may need a landscaping loan. Landscaping loans offer affordable payment options that can help turn your dream yard into a reality. Home landscaping loans may be a wise investment that can increase your curb appeal and home value.

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Is the cost of home improvements or landscaping projects holding you back? Keep reading and discover landscaping loans that offer affordable payment options and low interest rates.

Can you get landscape financing?

Yes, you can finance landscaping. Later in our blog you will find landscape loan options along with the pros and cons of each option. AcornFinance is a leading provider for landscaping loans. On approved loans, you can borrow up to $100,000 and take as long as 12 years to pay it back.

How much does landscaping cost on average?

Homeowners who start landscaping from scratch spend between $3,000 and $15,950, on average. Average landscaping rates are as follows:

$50 – $100 per hour (small jobs including tree service or lawn care)

$4 – $12 per square foot (larger jobs including installation)

$3,000 – $15,950 for new installation

How much should I spend on a backyard renovation?

How much you should spend on a backyard renovation usually depends on how extensive your plans are. Home Advisor reports that backyard remodels usually cost between $1,000 to $40,000 or more. If you are planning a modest remodel you may be looking at around $5,000. Modest remodels could include new bushes, sod, plants, etc. However, if you are looking to complete a major backyard renovation with full entertainment areas, a pool, lounge area, and more, you could easily spend $100,000 or more. Homeowners looking to transform their backyard without breaking the bank should make compromises that can help keep the bottom line down. For example, use crushed stone rather than sod or plants. Crushed stone is very budget-friendly and can still be appealing with the right touches. In addition, using crushed stone can help lower your water bill. Another example of keeping the bottom line down could be choosing plants native to your region. Native plants are usually easier to maintain and cheaper to purchase. Backyard renovations can be an easy way to increase your home value. Whether you plan to do a modest or major renovation you can use landscaping financing.

How can I make my backyard beautiful on a low budget?

Creating a beautiful backyard on a low budget is possible, but you may need to put your DIY skills to use. Even if you are not extremely handy, there are plenty of things you can do to transform your backyard. The fewer hours you pay a professional, the more money you can save. Perhaps you have a professional do the heavy lifting and you do the finishing touches. You can also pay a friend or family member to help out. Before starting a backyard renovation, you should invest time into planning. Proper planning can help homeowners create a budget and stick to it. Part of planning should include careful observation of the space. What does the backyard need? What renovations will make the biggest difference? You can jot down renovations you would like to incorporate and then work on pricing. It’s important to prioritize projects and keep an open mind. You can always do phase one with renovations and later on do a second phase. If you are on a tight budget you may want to consider financing. Let’s say you have $3,000 cash but your ideal renovations total $6,500. You could use the $3,000 cash and finance the remaining $$3,500.

What credit score is needed to finance new landscaping?

Landscaping loans are available for all types of credit. Do you qualify? The only way to find out is to apply for a landscaping loan. There’s no guarantee when it comes to getting approved so the best place to start is by filling out an application.

What is the interest rate on landscaping loans?

Interest rates for landscaping loans vary based on factors such as the type of loan, the lender, and the borrower. A home equity line of credit or home refinance can offer some of the lowest interest rates. However, a personal loan may be a less risky and more rewarding option for landscaping loans. You can compare lenders below with competitive rates starting at 4.99 percent.

How much can you borrow with a loan for landscaping?

In some cases, you can borrow up to $100,000 for landscaping loans. Some lenders do not require proof of how funds are spent. This allows you to use the money for landscaping or just about anything else it’s needed for.

Do landscaping loans require good credit?

The better your credit, the better your chances of getting approved with a lower interest rate. However, landscaping loans don’t require good credit and there are options available for all types of credit.

Can you finance all parts of landscaping a yard or outdoor area?

If you are using a personal loan you can finance just about everything related to landscaping a yard or outdoor area. When you are approved for a personal loan you can use the funds however you would like as long as you do not exceed the maximum loan amount. Credit cards are similar in the sense that you can spend the money on whatever you would like to. However, racking up large credit card bills may not be the best idea. Having high credit card balances can lower your credit score and result in high-interest fees. For things like patio furniture or light fixtures, there may be 0% promotional offers from the manufacturer or distributor that you can take advantage of. The internet is a great place to research deals and pricing.

Landscape Irrigation Financing

On the lower end, irrigation systems can cost about $500. On the higher end, they can cost $4,600+. The typical average is usually somewhere between $1,800 to $3,350. If you need irrigation financing you should look into using a personal loan or credit card. If you are going to use a credit card and have the system installed professionally you will want to make sure the installer accepts credit cards.

Can you finance a sprinkler system?

Sprinkler and irrigation systems can be financed. Since they are typically less than $5,000 it’s usually easiest to use a personal loan or credit card. If you are going to make other outdoor landscaping improvements you should look into a personal loan. Personal loans can have limits as high as $100,000 and interest rates as low as 4.99%.

Is an irrigation system worth it?

This is a great question and the answer can vary depending on who you ask. However, in our opinion, yes irrigation systems are worth it! Especially, if you have busy everyday lives like most of us. Let’s look at some of the advantages an irrigation system can offer…

#1. Time is everything

Installing an irrigation system can help you save tons of time and labor while giving your plants or lawns the best care. Most irrigation systems can be put on a timer that allows you to run them when it’s most effective and least expensive.

#2. Save water

Irrigation systems can help you save water – the environment will thank you! You can avoid water runoff and make sure the water only goes where it needs to go using a properly installed irrigation system.

#3. Healthier landscape

Lawns and most landscapes require just the right amount of water in order to achieve the most curb appeal. Too much or too little water can result in an unhealthy landscape. Irrigation systems can allow you to efficiently schedule the perfect amount of water for your landscape.

#4. Freedom

Installing an irrigation system can grant you more freedom. Say goodbye to scheduling your plans around watering your landscape.

Tree removal financing

If you need a small tree (30 ft or less) removed it should be fairly inexpensive. However, for larger trees it can get pricey meaning you may need financing.

What is the average cost for tree removal?

Removal for small trees (30 ft or less) usually costs between $150 to $400. Removal for large trees (60-100 ft) usually costs between $900-$1,200. Trees larger than 100+ feet can cost $1,300+ to remove.

Can you finance tree removal?

Yes, in most cases tree removal can be financed using a credit card or personal loan.

How common is it to finance tree removal during landscaping?

When you are in the midst of a large landscape project an extra $1,000 or so can be tough to spare. Financing can be pretty common for tree removal during landscaping projects.

Artificial Turf Financing

Artificial turf can be a worthy investment. Once it’s installed it’s essentially free for the next 15 to 25 years. Plus, it should always be as green and fresh as the day you installed it. Artificial turf costs about $5 to $20 per square foot. It averages out to about $12.50 per square foot. This means if you are installing an artificial turf in a 500 square foot yard it should cost about $6,250. This may sound expensive compared to natural sod but it may get more attractive when we look at maintenance costs. Maintaining a 500 square foot natural sod yard can cost about $840 per year. Maintaining a 500 square foot artificial turf yard costs about $0 per year.

Can you finance new turf?

New artificial turf can be financed in most cases. We recommend using a personal loan or looking into financing options offered by the installation company if you are going to have it professionally installed. If you are going to install it yourself you can still use a personal loan or credit card just for the materials.

Garden Financing

Gardens can spruce up your curb appeal and provide a relaxing hobby for you and your family. The size of your garden can impact the cost. If you want to build a small raised garden bed it usually costs between $195 to $320. It should be on the lower end if you build it yourself. If you want to build a larger garden filled with plants, fruits, veggies, and more it can increase the cost.

Can you finance a new garden?

Whether you are building a small or large garden you can use a personal loan or credit card. If you purchase supplies from a large home improvement store they may offer promotional 0% financing offers.

Can I finance a fence?

A fence can be financed or included with a larger landscaping project, in most cases.

What do landscapers charge per hour?

Hourly rates for landscapers can vary depending on the job and its size. In addition, the professionalism and skill level of the landscaper can impact the cost as well. Home Guide reports most homeowners pay between $50 to $100 per hour or $4 to $12 per square foot for landscaping. If you need to landscape a new home or are starting from scratch, you should expect to pay a premium. Most new landscaping projects require four or more landscapers and can take weeks to finish. Home Guide states that the average cost of new landscaping installation is about $200 per hour including materials and labor. While this may seem pricey, landscaping can increase home value. In some cases, homeowners spend about 10% of their home price on a landscaping budget. This means if you have a $500,000 house, you may need a landscaping budget of about $50,000. However, if you purchase a home with a small yard, landscaping costs should be much less. There are a lot of ways to keep the bottom line down. When you make landscaping decisions you should consider short term and long term expenses.

How can I landscape my yard cheaply?

Homeowners on a budget should find cheap landscaping ideas and execute them. Any portion of your landscaping project that you can complete yourself will be cheaper than hiring a professional. In addition, you should choose landscape options that are not only cheap initially but have lower long term costs. In some cases, though you may want to spend more upfront for materials that have lower long term costs. For example, synthetic grass may cost more to purchase and install but it requires minimal maintenance and no watering. Over time, synthetic grass should pay for itself. Another way to keep costs down is to use mulch alternatives such as grass clippings, leaves, stone, compost, and so on. Traditional mulch can be expensive to purchase but provides many benefits. Using a mulch alternative allows you to take advantage of some of the benefits with the cost. Mulch and mulch alternatives can save homeowners time and money in the long term. In addition, mulch and mulch alternatives can reduce the amount of weeding and water a garden needs. If you really want to use traditional mulch you should consider pine mulch. It’s usually much cheaper than hardwood mulch.

Do landscapers give free estimates?

Most landscapers or landscaping companies offer free estimates. In some cases, landscapers may be able to provide estimates via email or over the phone, without ever coming to your home. Given current circumstances, homeowners may appreciate virtual estimates. However, once our world returns to a more normal state you may prefer to meet with the landscaper face-to-face. In most cases, the first step toward getting a free estimate is contacting the landscaper. If you are looking for a reliable and skilled landscaper you should ask friends and family for referrals or Google online reviews. Most landscapers will need some time to put together an estimate. They usually need time to account for overhead costs, materials, labor, subcontractor costs, and profit margins. Pay close attention to how the landscaper handles the estimate process. Do they pay attention to detail? Do they listen well? Do you feel comfortable talking with them? The estimate process provides pricing but it can also indicate what it will be like to work with someone.

Can you negotiate with landscapers?

In some cases, you can negotiate with landscapers. You may have more negotiating power if you get estimates from other landscapers. Being able to validate why you want a discount, bundled service, or whatever you are requesting can help you negotiate. However, make sure you are reasonable when negotiating. Being unfair to the landscaper or having unrealistic expectations can deter them from wanting to work with you. Being unrealistic or negotiating too hard may also force the landscaper to find ways to take shortcuts. You do not want this. You want the landscaper to be excited about delivering creative and quality work. When it comes to finding the best landscaping deal you will want to evaluate offers based on customer service, skill level, pricing, and overall value. Being overly focused on just price can result in negative outcomes.

How much should I budget for landscaping?

Everyone has a budget. Whether your budget is big or small, it’s probably a dictator over how and what decisions you make. Some of us may have a predetermined budget before even considering what landscaping projects need to be done. While others may do some research and design to decide what projects to complete and what a reasonable budget is. If you are paying cash your budget is likely determined by your account balance. However, if you are using financing, your budget may be determined by what monthly payment you can afford and what you qualify for. Landscaping budgets can vary depending on the extent of your project. On average, Home Guide estimates that homeowners spend about $3,000 to $15,950 on landscaping installation from scratch.

Best Options To Finance Landscaping

Personal Loans

Acorn Finance is a reliable company that provides personal loans for financing landscaping. They provide affordable payment options and free services. Acorn Finance partners with top financial companies including LightStream, Prosper, SoFi, Best Egg and more.

Formerly known as Headway, Acorn Finance changed its name and continues to expand their offerings. Take advantage of Acorn Finance’s quick and easy 3-step application and approval process.

Three steps to get started with Acorn Finance:

#1. Complete and submit a short loan application online

#2. Receive multiple pre-qualified offers

#3. Get connected with lenders to obtain your pre-qualified loan


  • No dealer fees
  • Loans available up to $100,000
  • Competitive interest rates as low as 4.99 percent
  • Terms up to 12 years
  • Receive pre-qualified offers without impacting your credit score
  • Easy to activate


  • Not a direct lender
  • Credit may be required for approval


Credit Cards

Credit cards can be used to finance landscaping or home improvement projects.


  • Opportunity to earn reward points or incentives
  • Easy way to pay for landscape improvements


  • Higher interest rates
  • Spending restrictions
  • Maxing out credit card may decrease your credit score


Cash or Savings

While using your savings or paying cash will help you avoid paying interest on your upgrades, it’s not always the best option.


  • No interest fees
  • One-time payment
  • No credit checks


  • Takes away money that could help achieve other goals
  • Less money for emergencies or investments
  • Saving up for project can take a lot of time

Home Equity Line of Credit (HELOC)

Do you have equity in your home? If so, a home equity loan will allow you to borrow against your house. These funds can be used to complete the landscaping projects you’ve been daydreaming about. However, doing your research is critical to determine whether a home equity line of credit (HELOC) is the best option for you.


  • Good credit customers typically pay no closing costs
  • No fees for cash draws
  • Low interest rates (loan is secured by your home equity)
  • Tax advantages
  • Pay off loan early with no additional fees (in most cases)
  • No justification needed for how the money is spent


  • Low payment option may cause the loan to extend far longer than you wanted or create a bad financial situation
  • Interest rates are adjustable, they can rise
  • Requires ongoing attention to avoid a sudden increase in payment
  • Look out for hidden fees
  • Your home may decrease in value

Home Refinance

When selecting the proper payment method for landscaping improvements, you must consider the value of the home improvement. How much will the project return in value? Homeowners can refinance their mortgage and free up extra cash. This can be done through lower monthly mortgage payments or a “cash-out” refinance. A “cash-out” refinance is similar to HELOC where you borrow against the equity of your home.


  • Unlock a lower mortgage rate
  • Free up cash
  • Allows you to finance home improvements


  • Total cost of refinancing may be greater than actual benefits
  • Increase chance of being turned “upside-down” in a loan
  • Long and expensive process


Secure Landscape Financing Today

In conclusion, a personal loan can be less risky than comparable options for a landscaping loan. Although borrowing money requires interest and other fees, the return on investment and benefits may offer greater value. In addition, it allows you to save your cash for emergencies and other goals. So, what are you waiting for? You now have the knowledge and resources to bring your dream yard to life while increasing the value of your home!

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