Editor's choice: Credible personal loans
- Loan range: $1,000-$100,000
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Improving your landscaping is a quick way to make your outdoor space shine — but landscaping costs can quickly climb into the thousands. For projects you can’t postpone, consider using one of these financing options to spruce up your scenery.
Landscapers charge anywhere from $50 to $100 an hour, according to both Home Advisor and HomeGuide. However, the exact cost depend on the project, necessary materials and the labor needed to complete it.
Sprinkler system installation
This is just a small selection of common projects. Compare quotes with multiple landscapers to get an accurate estimate for similar projects in your area.
You can find loans for landscaping from banks, credit unions and online lenders. Most offer general-use funding that can be used to cover all types of landscaping costs, including materials and labor.
Personal loans usually range from $2,000 to $50,000. If you have good to excellent credit of about 670 or above — or your project requires more funding than you have equity — a personal loan is a good choice.
Lenders often don’t place restrictions on how you use your funds, so you can pay for a variety of landscaping costs. Some lenders can process and fund loans within a week, which means you can get started on your project that much sooner.
A home equity line of credit (HELOC) uses your home as collateral to help you score low rates and give you access to larger, more flexible loan amounts. You can borrow as much or as little as you need, and like personal loans, how the funds are used is up to you.
This makes them useful for projects with no set budget or deadline. And many HELOCs are open ended, which means once you’ve paid back what you borrow, you can borrow the same amount again.
A home equity loan also uses your home as collateral. But, like a personal loan, you receive a single lump sum with set monthly payments.
These can be useful when you’re looking to complete a valuable landscaping project that could potentially increase your home’s equity, like adding a pool or refinishing a deck. However, the approval process typically takes longer than a personal loan. And if you can’t repay your loan, you risk losing your home.
Credit cards can be an expensive choice, but they can be the right option if you already have an account open — or can qualify for a 0% APR introductory rate. Depending on your credit limit, you could put the costs of materials and some labor on your card — just pay it off before the promotional period is up to save on interest. There are even credit cards for home improvement that may suit your needs.
You may find a credit card is the most suitable for ongoing expenses that you can quickly repay, like regular lawn maintenance. As long as you pay off your balance each month, you can fund smaller landscaping projects while building your credit.
Use this table to compare a number of lenders that offer personal loans that you could use for your landscaping project.
The ideal lender depends on your needs. Not every person qualifies for the same rates or loan amounts, so comparing your options is critical when you’re looking for financing. Consider these factors when choosing a lender for your project:
Some landscapers offer financing, but it depends on the project and company you choose. Lenders like GreenSky allow landscaping companies to offer financing to their customers. But smaller landscaping businesses may not have the ability to fund your project. Check with yours to see if it has any financing or loan options available.
The process will depend on the type of loan you need and the lender you choose. In general, most lenders offer a preapproval process that allows you to check your rates and see your potential loan amount before you agree to financing. This can help you determine the best course and pick a lender that will be able to fund your whole landscaping project.
When you’re ready to apply, most lenders require you to submit some basic personal information:
Other documents and information may be required as well. If you have any questions, reach out to your prospective lender to get help with the application process.
Landscaping is often a quick way to increase your home’s appeal. Before you apply, compare top loans for home improvement projects to see what rates you can expect.
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