How to Finance Your Patio, Pool or Outdoor Living Project
Plenty of homeowners know exactly what they want their backyard to look like. The patio, the fire pit, the outdoor kitchen, maybe even a pool. What holds the project back is usually timing and budget, not the idea itself. At Oak Valley Custom Hardscapes, we offer financing options so you can start enjoying your outdoor space sooner and pay for it over time with monthly payments.
Financing for Hardscape Projects
For patios and other hardscape work, we offer financing through HFS Financial. You can check your rate or apply directly through the links on our Financing page. Financing is available across our services, including patios, walkways, retaining walls, stairways, fire features, outdoor kitchens, and pool decks.
Financing for Pools
Oak Valley Custom Hardscapes offers full-service fiberglass pool installation alongside our hardscape design and installation. For pool projects and the patio areas around them, we offer dedicated pool financing through Lyon Financial. Their pool loan calculator, also linked on our Financing page, helps you estimate what a project might look like as a monthly payment.
Why Some Homeowners Choose to Finance
Paying for a large project all at once isn’t the right fit for every household. Financing lets you build the space you actually want instead of scaling back to fit what you can pay today. It also lets you complete the project in one phase, which is often more efficient than building a patio this year and adding the fire pit or wall two years from now.
Plan the Full Design First
Even if you’re financing, it helps to see the complete plan before you decide what to build. A full design shows how each piece fits together and what it costs, so you can make informed decisions about scope. If you choose to phase the work, a complete plan ensures that later additions fit with what’s already there.
Questions to Ask Before You Apply
Before choosing any financing option, review the terms closely. Look at the interest rate, the length of the loan, the monthly payment, and whether there are any fees or promotional periods. Lenders set their own terms and approval requirements, so contact them directly with questions about your situation.
Getting Started
The first step is the same whether you plan to finance or not. Request a quote, and our team will meet you on-site to talk through your goals. Once you have a design and a price, you can explore the financing options that make sense for your project.
If you’ve been putting off a backyard project because of timing, we’d be glad to help you see what’s possible.