Simple Patio Financing & Loan Options

Get personalized rates in 60 seconds for a brand new patio, patio repair, or addition without affecting your credit score.
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Patio Financing With Acorn Finance

Check New Loan Offers With No Impact To Your Credit Score


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Easy Monthly Payments

Secure Patio Financing

Maybe you’re thinking about building out a new patio as an addition to your home. Or you’re finally getting around to fixing that old broken patio that is totally falling apart. No matter what your reason is, let Acorn Finance help you secure funding for your patio project. Secure patio loans up to $100,000, even with bad or average credit. You will also get some of the lowest rates in town when financing your new patio or patio repair through Acorn. Repair your patio or build a new one today by financing through Acorn Finance.

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New Patio Financing With Acorn Finance

Check For Offers in Seconds

Get pre-qualified today with an easy online pre-qualification application

Won't Impact Your Credit

Customers receive pre-qualified offers without any impact to their credit score

Competitive Payment Options

Loans up to $100,000; Terms up to 12 years; APRs as low as 4.99%

Receive Funds Quickly

In some cases, you can receive your funds in as little as one business day

“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”


– Mike T. (TN)

“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”


– Carol R (FL)

“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”


– Bob S (WI)

Ready To Finance Your New Patio?

Compare patio financing options without affecting your credit score.

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Learn More About Financing A New Patio, Furniture, or Cover

Using patio financing you can create the patio or outdoor space you desire while making payments on a timetable that works for you. Patio financing can help you pay for a new patio, patio furniture, patio cover, or just about any else your project entails. Acorn Finance is a leading provider for patio financing. On approved loans, you can borrow up to $100,000 and take as long as 12 years to pay it back. Keep reading to discover the various patio financing options available for all credit types.

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Can a new patio, patio furniture, or patio cover be financed?

In most cases, a new patio, patio furniture, or patio cover can all be financed. Typically you will have multiple types of loans available to choose from. This means you need to do your homework and select the one that works best for you.

Personal loans can be an attractive option because they typically do not require collateral. In addition, the interest can be much lower than using your personal credit card. is a reliable and top-rated company that provides personal loans for patio financing. Take advantage of affordable payment options and free services while saving tons of time.

Three steps to get started with AcornFinance:

#1. Complete and submit a short loan application online

#2. Receive multiple pre-qualified offers

#3. Get connected with lenders to obtain your pre-qualified loan

How much does it cost to add a new patio to your home?

The cost of a new patio can vary depending on the size and materials. Gravel and concrete are some of the most affordable options. Gravel costs about $1.40 sq ft and concrete costs about $8.50 sq ft. On average installing a patio can cost from $1,823 to $4,962. Costs may increase if you want to add patio cover or fancy decor.

Do you need a permit to build a patio?

In most locations you do not need a permit to build a patio. However, if the patio is attached to your house in any way some cities may require that you have a permit.

Pros and Cons of getting a loan to pay for a new patio




  • Save money entertaining at home
  • Spend more time outside
  • Increase home value
  • Affordable monthly payments






  • Expensive
  • Taking on debt



4 Reasons to choose Acorn Finance for patio financing

#1. Quick application process

Online applications are designed to take less than two minutes to complete and submit.

#2. Receive multiple competitive offers

Submit one application and receive multiple competitive and personalized offers within minutes.

#3. Funding as soon as 48-hours

Acorn Finance partners with credible lenders that can fund most loans within 48-hours.

#4. Borrower credit score not affected by application

Your credit score will not be affected by submitting your online application through Acorn Finance.

Best Patio Financing Options

Personal Loans (BEST OPTION)

Personal loans may be an attractive and sensible option for all credit types to secure patio financing. Compared to secure loans, rates may be slightly higher. However, most personal loans do not require any collateral. They may also be easier to secure and less risky than comparable options. Using a personal loan you can finance a new patio, patio cover, and patio furniture.

Comparing lenders is important if you decide to use a personal loan. Most likely, many lenders will be competing to secure your loan. This means you have the ability to shop rates and terms and make sure you get the best deal. is a secure platform that allows you to submit one application and receive multiple personalized offers from lenders.




  • Simple application and approval process
  • No collateral needed
  • Fixed interest rate
  • Competitive rates and terms
  • Borrow from $1,500 to $100,000
  • Quick funding






  • Credit history necessary in most cases
  • Fixed payments
  • Many personal loans have origination fees
  • Some personal loans come with prepayment penalties



Credit Cards

Compared to a personal loan, credit cards may be a more convenient solution for patio financing. Credit cards usually have a higher interest rate than personal loans. This means it may be worth a little time investment to use a personal loan versus a credit card. If you decide to use a credit card you should find one that offers an introductory 0% promotional rate.




  • Build your credit
  • Convenient
  • Potential to earn rewards
  • Buy now, pay later
  • Theft protection
  • Special promotions may apply



Mortgage Refinance

Refinancing your mortgage may be an option for patio financing. However, it typically has more risks and takes more time than using a personal loan. Mortgage refinancing can be a better option for financing more expensive home improvements.




  • Receive lower mortgage rate
  • Cash out on current equity
  • Convert to a fixed rate






  • Applying for a new mortgage
  • Cost of refinancing
  • Time consuming compared to other options



Home Equity Line of Credit

If you have equity in your home then you may be able to use a home equity line of credit for patio financing. Before selecting a HELOC loan you should do your due diligence and evaluate the risk versus reward factor.




  • Good credit customers typically pay no closing costs
  • No fees for cash draws
  • Low interest rates (loan is secured by your home equity)
  • Tax advantages
  • Pay off loan early with no additional fees (in most cases)
  • No justification needed for how the money is spent






  • Low payment option may cause the loan to extend far longer than you wanted or create a bad financial situation
  • Interest rates are adjustable, they can rise
  • Requires ongoing attention to avoid a sudden increase in payment
  • Look out for hidden fees
  • Your home may decrease in value




Overall, patio financing can allow you to design the ultimate outdoor living space while making affordable payments over time. At you can apply online for patio financing in less than a few minutes . Your one application can generate multiple competitive and personalized patio financing offers. Confidently select the offer that works best for your situation and receive funds within 48 hours. How much easier could patio financing get?

Take the next step… apply online today!

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