Simple personal loans for home landscaping

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How It Works?

Check Offers With No Impact To Your Credit Score
Check Offers With No Impact To Your Credit Score
Get Financed Quickly
Get Financed
Easy Monthly Payments
Easy Monthly

Why Acorn Finance For Landscape Financing?

Acorn Finance puts you in control - we let you compare personalized offers from lenders in our network, with no impact to your credit score. We’ll help you check for pre-qualified offers 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 fund your project.

Why Acorn Finance?

How We’re Different

Check For Offers in Seconds

Get pre-qualified today with an easy online pre-qualification application

Checking Won’t Impact Credit

Customers receive pre-qualified offers without any impact to their credit score

Competitive Payment

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

Receive Funds

In some cases, you can receive your 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 10 seconds I got 23 offers from 6 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 fund your project?

Compare financing options without affecting your credit score.


How Does Acorn Finance Compare?

Traditional Bank
Credit Union
Credit Cards
Acorn Finance
Same-day Approval
Funding in 1 Day
No Ongoing Fees
Fixed Monthly Payments

Our Financial Partners

LightStream, A Division of SunTrust Bank
Lending Point

Learn More About Home Landscaping Loans

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.

Read More

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

Personal Loans

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


  • 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
  • Cons

  • 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
  • Cons

  • 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
  • Cons

  • 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
  • Cons

  • 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
  • Cons

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

    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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