Our network of skilled contractors offers financing options for a variety of decks and patios that can elevate your outdoor living experience. Here are a few options you might consider for your home:
Building a deck costs between $4,000 and $12,000, whereas a patio can cost between $2,500 and $6,600. The total cost depends on the materials, size, and local labor rates, among other factors:
| Deck Material | Estimated Cost per Square Foot |
| Cedar | $4–$9 |
| Redwood | $4–$6 |
| Pressure-treated pine | $15–$25 |
| Composite | $4–$12 |
| Elevated concrete | $30–$75 |
| Patio Material | Estimated Cost per Square Foot |
| Concrete | $6–$17 |
| Brick | $12–$20 |
| Natural stone | $15–$30 |
| Flagstone | $16–$30 |
| Slate | $15–30 |
Remember to budget time and money to prep the land, especially if you’re adding a new deck or patio.
| Preparation | Estimated Cost |
| Land clearing | $500–$5,600 |
| Land leveling | $1,000–$5,000 |
| Concrete footings (for decks) | $70–$230 |
| Helical piers (for decks) | $250 |
Most building codes require that raised decks and patios have a railing around the perimeter.
| Material | Estimated Cost per Linear Foot |
| Wood | $20–$50 |
| Composite | $25–$60 |
| Aluminum | $50–$70 |
| Glass panels | $100–$600 |
| Cable railings | $100–$600 |
Over time, your patio may experience wear and tear from weather, shifting soil, and regular use. Renovate partners with skilled contractors who can help identify and fix common patio issues like the ones listed below:
Planning your outdoor project requires forward thinking to ensure your space is designed to last. Renovate’s network of professionals can help you navigate the details and balance aesthetic goals and budget constraints.
Here are a few considerations our partnered contractors may highlight before you get started:
The design of your deck impacts both material costs and installation time. Larger or multi-level decks often require more support posts and additional footings, which translates to extended labor hours.
Start by discussing your visions for the space with your contractor, like whether you want an L-shaped layout or a spot to sit a fireplace.
Wood, composite boards, and stone pavers each have their own price points and ongoing maintenance requirements. While natural wood might offer timeless charm, it requires regular staining or sealing. Composite materials cost more upfront but often last longer and require less upkeep.
Renovate’s network of reputable contractors has extensive experience working with many outdoor patio and deck materials, which might help you choose a durable product that fits your budget.
State or municipal building regulations might require you to get permits or inspections before you begin. These steps can add extra fees and extend your timeline. Before firing up the saws and nail guns, consult with your contractor about the process to obtain your permits and the ways they’ll work to ensure your deck meets regulations.
Building a deck or patio is a big project, even for capable DIYers. Working with a seasoned professional, like the ones in Renovate’s network, can help your project get done in a reasonable timeframe and ensure it is up to code.
Renovate helps streamline the process of financing your patio project. Here are a few more reasons to consider financing your patio through Renovate:
Our online request form is free to use to explore patio financing. We partner with a network of qualified professionals who offer flexible financing, so you can find an experienced contractor and accessible payment plans quickly.
Our large network lending partners are equipped to serve homeowners with varying credit profiles. This means more opportunities to connect with a contractor offering appealing interest rates and flexible terms that work with your budget.
Submitting a deck financing request through Renovate takes just a few minutes. You may receive a pre-qualified offer quickly, allowing you to begin planning your patio project sooner and minimize unnecessary delays.
Yes, many home improvement companies offer financing for deck and patio builds. Other options for deck loans include using a home equity line of credit, a personal loan, or a credit card to finance your project.
Homeowners have several options to finance a deck. Some pay in cash if they have the funds available, while others rely on personal loans, home equity products, or even credit cards. Financing helps distribute the cost and makes fitting a deck project into your budget simpler.
Interest rates vary widely based on factors like your credit score, lender policies, and loan terms. Many financing providers allow you to pre-qualify using a soft credit check, so you can explore your options.
Repayment terms for deck financing often range from anywhere between five to seven years.
No, many lenders offer financing options for people with less-than-desirable credit profiles. While a high credit score may unlock better rates and loan terms, many lenders consider other factors, like income and overall financial health, when approving loan applications.
