Patio Financing

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Patio Financing With Acorn Finance

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Secure Patio & Patio Cover Financing Today

Maybe you’re thinking about building out a new patio as an addition to your home. Or you’re finally getting around to fixing that old broken patio that is totally falling apart. No matter what your reason is, let Acorn Finance help you secure funding for your patio project. Secure patio loans 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 patio or patio repair through Acorn. Repair your patio 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 Patio Financing?

Compare patio financing and patio home loans without affecting your credit score.


Patio Cover Financing & More

Using patio financing you can create the patio or outdoor space you desire while making payments on a timetable that works for you. Patio financing can help you pay for a new patio, patio furniture, patio cover, or just about any else your project entails. Acorn Finance is a leading provider for patio financing. On approved loans, you can borrow up to $100,000 and take as long as 12 years to pay it back. Keep reading to discover the various patio financing options available for all credit types.

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Can I Finance a New Patio or Patio Furniture?

In most cases, a new patio, patio furniture, or patio cover can all be financed. Typically you will have multiple types of loans available to choose from. This means you need to do your homework and select the one that works best for you.

Personal loans can be an attractive option because they typically do not require collateral. In addition, the interest can be much lower than using your personal credit card. is a reliable and top-rated company that provides personal loans for patio financing. Take advantage of affordable payment options and free services while saving tons of time.

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


Building a new patio can be an exciting but expensive project. Many homeowners turn to patio financing to afford a new patio. If you are considering a new patio, but unsure of what you can afford you should visit Acorn Finance online. Within minutes you can get pre-qualified for patio financing without affecting your credit score. If you are eligible, this will allow you to compare rates and monthly payments for different loan offers. In some cases, it may be helpful to devise a budget before diving into the planning portion of a new patio. If you are using financing you will want to make sure you can cover the monthly payment. Therefore, your budget will most likely depend on a monthly payment rather than a total loan amount.


Paving a patio or creating pathways should be factored into project costs. If you are using a personal loan you can estimate a total project cost and apply for an amount that should cover your entire project. The type of material you choose to pave a patio with can impact the cost. Concrete is usually one of the most affordable options. However, stamped and colored concrete can be much more expensive. If you are building a patio with a complex design it may be more expensive to pave, regardless of material. When it comes to choosing the best materials for your project you should consider more than the cost. While the cheapest option may save you money upfront, it may require more maintenance. In addition, you should consider environmental factors. Depending on climate and seasonal changes, you may need to take extra steps to ensure your patio is long lasting or avoid certain materials. According to the Landscaping Network the following are popular materials and average costs. . .
Concrete $864-2,448
Brick $1,152 – $1,728
Flagstone $2,160 – $4,320


Patio furniture and accessories complete your extended outdoor living space. While patio furniture may be one of the last things you purchase, it should be considered during the planning process. You should allocate part of your budget for high quality patio furniture that will hopefully last a long time. If you live in an area with santa ana winds, you should consider the weight of patio furniture. You want furniture that is comfortable and sophisticated yet durable – afterall it will spend most of its life outside. Some patio furniture retailers may offer promotional financing. If they do and the terms are suitable, you may want to consider this option. Otherwise, you can use a personal loan for patio furniture. If you plan on using a personal loan for building expenses and furniture you should calculate the cost of patio furniture into your loan amount.


Patio covers can make patios an even more enjoyable space. While it may be more cost effective to use umbrellas for shade, patio covers can enhance the style of any patio. They can also help protect patio furniture, grills, flooring, or anything else included on a patio. Sitting in direct sunlight can be harmful to skin. A patio cover can help you soak up some vitamin D while keeping your skin healthy. Patio covers can be financed using a personal loan.

How much does it cost to finance a new patio?

The cost of a new patio can vary depending on the size and materials. Gravel and concrete are some of the most affordable options. Gravel costs about $1.40 sq ft and concrete costs about $8.50 sq ft. On average installing a patio can cost from $1,823 to $4,962. Costs may increase if you want to add patio cover or fancy decor.

Do you need a permit to build a patio?

In most locations you do not need a permit to build a patio. However, if the patio is attached to your house in any way some cities may require that you have a permit.

Can you finance a patio?

A new patio, and all that comes along with it, can be financed. If you use a personal loan you can simplify the financing process by having one loan to cover all expenses. In some cases, it may make sense to use multiple sources of financing. If the retailer you are purchasing supplies or furniture from is offering promotional financing, you may want to consider the offer. Some retailers may offer promotional financing such as 0% interest for 6,12, or 18 months. This could help you save some money on interest if you can qualify. The downside to using multiple sources of financing is having to manage multiple payments.

Do landscaping companies offer financing?

Some landscaping companies may offer financing for larger projects. Landscaping companies that have financing usually offer in-house financing or they partner with lenders dedicated to home improvement loans. In-house financing means that the landscaping company will personally “loan” you the money or set up a payment plan. Acorn Finance can partner with landscaping companies to help them offer competitive financing for customers. Whether the landscape company of your choice partners with Acorn Finance or not, you can still use Acorn Finance to find landscaping loans. Personal loans may offer more flexibility and more affordable payments than in-house financing.

Can I finance a deck?

Whether you are building a new deck or repairing an existing deck, you can use financing. The idea of having an outdoor deck to escape reality, grill up delicious food, spend time with family, and soak in the sunshine is a dream for most of us. While decks expand living space and usually add value to your home, they can be expensive to build. There are many factors that can impact the cost of a new deck such as materials and size. According to Home Guide, on average decks cost between $4,380 – $10,080. For deck financing, visit Acorn Finance and apply online.

Can you finance a backyard project?

Just about any backyard project can be financed. Some financing options may require a minimum spending amount. Lenders that offer personal loans usually have minimum loan amounts between $1,000 to $5,000. Retailers or credit card companies that offer promotional financing may have minimum spending requirements a well. For example if you spend $300 or more you may qualify for 6 months at 0% but if you spend $1,000 or more you may qualify for a longer promotional period. Estimating the cost of your project may be a good first step if you are considering financing. Once you know how much you need to borrow you can evaluate options.

What is deck financing?

Deck financing can provide homeowners with the funds they need to build a deck while allowing them to make affordable payments over time. In most cases, deck financing is just a personal loan used for building or repairing a deck. There are a variety of lenders that specialize in home improvement loans such as building or repairing a deck. Decks can also be financed using a credit card or secured loan. Homeowners may prefer the convenience of using a credit card. However, personal loans can be convenient and may have lower interest rates than credit cards. Acorn Finance has lending partners that can fund personal loans as soon as 1 business day after approval.

How much should I spend on a backyard renovation?

When determining how much you should spend on a backyard renovation, you should envision what you want the end result to look like. It may help to make a list of the projects you want to complete. Once you have some ideas you can meet with a professional to get an estimate. It may help to ask for cost effective alternatives as well. Substituting materials is one way to help keep costs down. If you provide a professional with a budget and a vision, they should be able to help you create a plan. A more deluxe backyard renovation may increase home value more but a small backyard renovation is better than no backyard renovation.

Pros and Cons of patio financing


  • Save money entertaining at home
  • Spend more time outside
  • Increase home value
  • Affordable monthly payments


  • Expensive
  • Taking on debt

4 Reasons to choose Acorn Finance for patio financing

#1. Quick application process

Online applications are designed to take less than two minutes to complete and submit.

#2. Receive multiple competitive offers

Submit one application and receive multiple competitive and personalized offers within minutes.

#3. Funding as soon as 48-hours

Acorn Finance partners with credible lenders that can fund most loans within 48-hours.

#4. Borrower credit score not affected by application

Your credit score will not be affected by submitting your online application through Acorn Finance.

Best Patio Financing Options

Personal Loans

Personal loans may be an attractive and sensible option for all credit types to secure patio financing. Compared to secure loans, rates may be slightly higher. However, most personal loans do not require any collateral. They may also be easier to secure and less risky than comparable options. Using a personal loan you can finance a new patio, patio cover, and patio furniture.

Comparing lenders is important if you decide to use a personal loan. Most likely, many lenders will be competing to secure your loan. This means you have the ability to shop rates and terms and make sure you get the best deal. is a secure platform that allows you to submit one application and receive multiple personalized offers from lenders.


  • Simple application and approval process
  • No collateral needed
  • Fixed interest rate
  • Competitive rates and terms
  • Borrow from $1,500 to $100,000
  • Quick funding


  • Credit history necessary in most cases
  • Fixed payments
  • Many personal loans have origination fees
  • Some personal loans come with prepayment penalties

Credit Cards

Compared to a personal loan, credit cards may be a more convenient solution for patio financing. Credit cards usually have a higher interest rate than personal loans. This means it may be worth a little time investment to use a personal loan versus a credit card. If you decide to use a credit card you should find one that offers an introductory 0% promotional rate.


  • Build your credit
  • Convenient
  • Potential to earn rewards
  • Buy now, pay later
  • Theft protection
  • Special promotions may apply

Mortgage Refinance

Refinancing your mortgage may be an option for patio financing. However, it typically has more risks and takes more time than using a personal loan. Mortgage refinancing can be a better option for financing more expensive home improvements.


  • Receive lower mortgage rate
  • Cash out on current equity
  • Convert to a fixed rate


  • Applying for a new mortgage
  • Cost of refinancing
  • Time consuming compared to other options

Home Equity Line of Credit

If you have equity in your home then you may be able to use a home equity line of credit for patio financing. Before selecting a HELOC loan you should do your due diligence and evaluate the risk versus reward factor.


  • 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

Conclusion: Is patio financing the right choice?

Overall, patio financing can allow you to design the ultimate outdoor living space while making affordable payments over time. At you can apply online for patio financing in less than a few minutes . Your one application can generate multiple competitive and personalized patio financing offers. Confidently select the offer that works best for your situation and receive funds within 48 hours. How much easier could patio financing get?

Take the next step… apply online today!

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