Concrete is an expensive material, especially when you need to pour a lot of it. By working with a contractor that offers financing for concrete, you can get started on your project sooner, even if your budget is tight.
Renovate works with rock-solid contractors that offer flexible terms and competitive rates so you can break ground on new ideas. Loan amounts and terms vary based on your creditworthiness and the companies that offer financing.
We partner with skilled contractors who have experience working with all types of concrete, including the most common ones below:
The average cost of concrete in the United States is between $120 and $167 per cubic yard. Additionally, labor would cost around $8 to $18 per square foot.
Concrete costs vary by location, project size, and materials. The table below provides approximate costs:
| Location | Average Cost per Cubic Yard |
| Atlanta, GA | $141–$166 |
| Chicago, IL | $136–$177 |
| Houston, TX | $118–$141 |
| Los Angeles, CA | $137–$170 |
| Miami, FL | $120–$152 |
| New York City, NY | $160–$202 |
| Phoenix, AZ | $123–$158 |
| Seattle, WA | $143–$190 |
| Hartford, CT | $145–$185 |
These are the average costs of different concrete projects:
| Concrete Project | Volume of Concrete Needed | Average Cost |
| Sidewalk | 1–2 cu. yds. | $130–$360 |
| 10’ by 10’ Patio | 2 cu. yds. | $260–$360 |
| 10’ by 15’ Shed | 2 cu. yds | $260–$360 |
| Concrete Stairs (Flight) | 3–4 cu. yds. | $390–$725 |
| 10’ by 20’ Driveway | 4 cu. yds. | $545–$700 |
| 20’ by 20’ Patio | 5 cu. yds. | $650–$905 |
| 20’ by 20’ Garage Floor | 7.5 cu. yds. | $1,024–$1,315 |
| 30’ by 20’ Patio | 8 cu. yds. | $1,040–$1,448 |
| 1,500 Square Foot House Foundation | 37.5 cu. yds. | $4,312–$5,755 |
Concrete is a durable and versatile material, but like any building material, it can deteriorate over time. The contractors in our network can help you understand these common problems and take preventative measures to maintain your investment:
Before starting a concrete project, there are a few key factors you should be aware of. Renovate partners with expert contractors with sweeping experience using the material, which can help ensure you consider all the important factors associated with your project before pouring even one grain of sand.
Many concrete projects require local permits to comply with building codes and regulations. Expansive driveways, enclosed areas, and stairways are just a few projects that need permits. Renovate has a large network of contractors, many of whom are local, so they can help guide you through your area’s building requirements and necessary permits.
Before pouring any concrete, it’s important to evaluate the site to determine what needs to be done to prep the area for the material. This includes checking the soil’s load-bearing capacity and stability, locating underground utilities to avoid accidents, and removing debris, vegetation, and other obstructions. Discuss your project with our skilled contractors first, so they can prioritize the proper site assessments to set the foundation for success.
Concrete isn’t one-size-fits-all, and the strength of the material matters. Look for the concrete’s PSI rating to determine its strength. The higher the PSI rating, the stronger it is and the more weight it can carry. Concrete with a lower PSI rating is more prone to cracking. From high-strength concrete for heavy loads to decorative options like stamped concrete, the contractors in Renovate’s network have experience working with many materials, helping to ensure you choose the most suitable mix for your project.
Weather can affect how well your concrete dries and sets up. Plan your project during dry seasons to better avoid delays and ensure proper curing. Be mindful of temperature and precipitation patterns that could impact the project timeline. Waiting for a day with low wind, rain, and humidity can help ensure you get a durable product. If you pour a concrete driveway, your contractor might ask you to wait a week or so before parking a car on it.
Renovate streamlines the process of finding a reputable contractor who offers concrete financing. These are the benefits of using Renovate as your go-to platform for exploring concrete loans:
It’s free to use our form to connect with contractors who offer concrete financing. Renovate will reference its network of pre-screened professionals and show you affordable payment plans for your most pressing concrete projects without a high upfront cost.
We partner with reputable contractors who offer competitive rates available to homeowners with varying credit profiles. Whether your project is big or small, you can browse our inclusive secures more opportunities to find concrete financing options with a mix of rates and terms.
With Renovate, you may get a pre-qualification offer in minutes. Submit your request using our online form, and we’ll try to connect you with contractors who offer concrete loans near you so you don’t have to wait weeks to get started on your project.
Concrete financing allows homeowners to spread the cost of their projects over time instead of paying the entire amount upfront. If you’re approved for a loan, you’ll receive the funds needed to start your concrete project. You then repay the loan in monthly installments, which include both principal and interest, over the agreed repayment period.
Monthly payments vary based on the loan amount, interest rate, and repayment term. Assuming a loan amount of $4,900 with a 10% APR over a five-year period, the estimated monthly payment would be about $104. For a larger project costing $7,800 under the same loan conditions, the monthly payment would be around $166. Use a loan calculator to get an accurate estimate tailored to your budget.
While a higher credit score can help borrowers get lower rates and better financing terms, it’s not the only determining factor. Many lenders offer options for borrowers with average scores and less-than-perfect credit profiles. To determine borrowing power, they may look at factors like monthly income and employment history.
The repayment period for concrete financing loans usually ranges from three to 10 years, depending on the loan amount and terms offered by the lender. Shorter terms typically have higher monthly payments, but you’ll pay less interest in total. Loans with longer repayment terms can have smaller monthly payments, but it will also increase the total amount you’ll pay over the life of the loan.
Yes, many lenders and home improvement businesses offer financing options to install or replace a concrete slab, whether it’s for a patio, walkway, or foundation. By financing your slab installation, you can spread out expenses over manageable monthly payments.
