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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.
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 finance landscaping?
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
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 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 I finance a fence?
A fence can be financed or included with a larger landscaping project, in most cases.
Best Options To Finance Home Landscaping
AcornFinance is a reliable company that provides personal loans for financing landscaping. They provide affordable payment options and free services. AcornFinance partners with top financial companies including LightStream, Prosper, SoFi, Best Egg and more.
Formerly known as Headway, AcornFinance changed its name and continues to expand their offerings. Take advantage of AcornFinance’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
Credit cards can be used to finance landscaping or home improvement projects.
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.
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.
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.
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!