On average, these loans offer up to $1,200 to $6,000 that can go towards various landscaping projects. Terms can extend to 10 years, with APR averaging around 4% to 20%.
For instance, if you borrowed $2,000 to revamp your yard with an APR of 10% for five years, you would pay a total of $2,541.60 with a monthly payment of $42.36.
Landscaping financing can help you cover several types of services, including:
Landscaping services vary in cost depending on the location, design complexity, types of plants and materials, labor costs, and more. The top factor affecting your landscaping costs will be the size of the area.
On average, landscaping services cost between $4 and $12 per square foot. Here’s a more in-depth estimate of landscaping service costs by total yard size:
| Size | Estimated Cost |
| 500 sq. ft. | $2,250 to $8,500 |
| 1,000 sq. ft. | $4,500 to $17,000 |
| 1,500 sq. ft. | $6,750 to $25,500 |
| 2,000 sq. ft. | $9,000 to $34,000 |
| 3,000 sq. ft. | $13,500 to $51,000 |
Landscaping costs will also vary depending on the type of services you need. Here’s a breakdown of estimated landscaping prices based on service type:
| Service Type | Estimated Cost |
| New installation | $3,000 to $16,000 |
| Lawn seeding | $800 to $3,000 |
| Sod installation | $1,000 to $5,100 |
| Artificial turf | $1,300 to 14,600 |
| Sprinkler system | $1,800 to $5,200 |
| Drainage | $2,000 to $6,000 |
| Landscape curbing | $400 to $2,200 |
| Pond | $1,800 to $6,900 |
| Water fountain | $1,500 to $8,000 |
| Mulch | $15 to $65 per yard |
| Tree removal | $300 to $2,000 per tree |
| Tree planting | $90 to $1,650 |
| Land clearing | $1,150 to $3,700 |
| Deck | $4,300 to $12,200 |
| Gazebo | $2,750 to $9,300 |
| Patio | $2,300 to $7,000 |
| Retaining wall | $3,600 to $9,800 |
| Fencing | $1,800 to $6,200 |
| Hardscaping | $2,000 to $45,000 |
| Softscaping | $800 to $10,000 |
| Xeriscaping | $14,000 to $19,000 |
Landscaping maintenance costs an average of $100 to $200 a month. Here’s a more detailed breakdown of estimated landscaping costs based on maintenance type:
| Maintenance Type | Estimated Cost |
| Tree trimming | $200 to $900 per tree |
| Leaf removal | $150 to $350 |
| Lawn mowing | $50 to $250 per visit |
| Lawn fertilization | $65 to $100 per application |
| Lawn aeration | $75 to $250 |
| Lawn weeding | $50 to $125 |
| Sprinkler system repair | $100 to $400 |
Whether you’re looking to beautify your outdoor space or addressing a landscaping issue, a loan can help cover the costs. You can use the funds from a backyard loan to address these common landscaping problems:
Turning your backyard into an outdoor oasis is an exciting venture. But before you dive into the renovations, make sure you have a solid foundation for your design. Here are some factors to consider before bringing your landscaping dreams to life:
Landscaping projects all start with a vision – how do you want your yard to look, and how do you want to use the space? It can be used for relaxation, entertainment, or growing fruits and vegetables.
Once you determine the purpose of your yard, it must be made functional and usable. To accomplish this, ensure that your space is accessible, maintainable, and makes the best use of available space.
Finally, don’t forget to add a touch of personalization. Make sure your aesthetics are cohesive to complement your home’s architecture and create flow between the indoor and outdoor spaces.
When designing your perfect landscape, you’ll need healthy and lush plants. One way to ensure your yard thrives is to choose plants that are compatible and native to your region, climate, sunlight, and soil conditions.
Some plants are pickier than others. Before planting, research the preferences of the flowers, trees, vegetables, or fruits you plan to propagate in your yard to make sure your location provides the right conditions.
Also, consider how you can incorporate energy-efficient features into your landscaping design to benefit the environment and reduce long-term costs. Start by strategically placing trees on the north and west sides of your design to provide natural shade, which could help reduce your cooling costs by up to 30%.
Similarly, windbreakers could be placed in open areas to reduce your heating costs by 25%. Finally, installing irrigation systems at the base of your plants can provide water more efficiently and reduce costs.
Your visions for your outdoor space will likely be grand, but you want to make sure your dreams align with your budget to avoid financial strain. Creating a budget will provide a roadmap to achieving your ideal landscaping design by allocating resources efficiently, prioritizing needs, and preventing overspending.
When creating a budget, break down costs for materials, plants, labor, and maintenance. As a rule of thumb, it’s best to estimate a slightly higher budget in case of contingencies – around 10% to 20% more.
The number one benefit of landscape financing is that you get to upgrade your outdoor space without the upfront costs. Here are some additional benefits of landscaping loans:
Financing backyard landscaping doesn’t have to be expensive or require upfront payment. Contractors that offer financing for landscaping partner with a large lender network with competitive interest rates, loan amounts, terms, and promotions.
This translates into more financing options for you to explore, helping you find backyard loans that fit your budget and project size.
A large lender network can also mean more financing options for homeowners with varying credit profiles. Some lenders cater to a spectrum of credit scores, including superprime and subprime borrowers.
Your credit score doesn’t have to stop you from exploring landscaping financing options and upgrading to your dream yard.
Renovate works to connect homeowners with contractors offering landscaping services and direct financing options. We have a large national network of reputable landscaping contractors. Our contractors are full-service providers offering top-tier services and flexible financing.
To finance landscaping projects, all you have to do is submit your request on our website. With just a little personal, financial, and project information, you can get started completely online.
Getting pre-qualified for a landscaping loan is also hassle-free. Based on the information provided, you may receive an on-screen pre-qualification offer in minutes.
Your landscaping design costs will be affected by various factors, including these common ones:
It may be possible to get a landscaping loan with bad credit. Some lenders may be willing to extend backyard financing to homeowners with bad credit by considering their income and financial stability alongside credit.
However, if you are approved for landscaping financing with bad credit, you will likely have higher interest rates.
Unfortunately, no credit check loans for landscaping are nonexistent. All reputable and licensed lenders conduct credit checks to determine your eligibility for a landscaping loan.
However, some lenders may have more flexible minimum credit requirements, allowing homeowners with poor credit to explore backyard landscaping financing options.
A cheap way to renovate your landscape is to do it yourself. For simpler tasks like mulching and planting, you can watch online videos and take the project on yourself to save on labor costs.
Another option is to choose low-cost plants and inexpensive hardscaping materials. For projects that require professionals, the cheapest way to renovate your yard is to get a landscaping loan and spread the cost into more manageable installments.
If you’re looking to sell your home, landscaping not only beautifies your property but can also raise its value. On average, landscaping increases property value by 5% to 20%, depending on the extent of the upgrades.
