Top 5 Personal Loans to Help You Fund Your Hardscape Installation

The average landscaping project ranges in cost from $400 to $10,000, according to Homeadvisor. “Generally, per square-foot pricing for hardscaping starts out at $20 a square foot. However, that can vary based on how much prep work needs to be done, what materials are used, and also designs and patterns,” says Bryan Clayton, CEO of Greenpal.

If the project you are planning costs more than you would like to pay out-of-pocket, you will need a financing solution. The good news is that there are several options.

In fact, there are dozens of online lenders that offer personal loans for this kind of home improvement. The challenge is figuring out which one will be best for you.

Why choose an online personal loan?

Personal loans have evolved over the past decade and are now one of the best ways to finance a variety of different projects. Instead of going into a bank and applying, you can apply online from wherever you are. A long approval process and loads of paperwork have been condensed into instant approval and electronic documents.

Some funding even becomes available on the same day you are approved. It’s never been easier to get the financing you need and, as more lenders have entered the market, loans continue to become more accessible and affordable.

Let’s take a look at five of the industry-leading lenders that can help make your hardscaping dream a reality.

Featured lenders for personal loans

Lending PartnerMinimum FICO scoreEstimated APR 
60015.49% – 34.99%*Apply
6802.19% – 17.49% (with AutoPay)*Apply
650Fixed:
5.49% – 14.24% APR (with AutoPay)*
Variable:
4.99% – 11.14% APR (with AutoPay)*
Apply
6605.99% – 35.89%*Apply
6204.93% – 29.99%*Apply
5809.95% – 35.99%*Apply
7005.25% – 12%*Apply

5 best hardscape financing options

1. Lightstream

Lightstream is an online division of a bank (SunTrust) and is a leading financial services company in the U.S. This lender is ideal for borrowers with good to excellent credit.

The company offers very competitive fixed interest rates through a fast and easy online process. A wide range of loan types are available, with landscaping financing being the one you will choose for this situation.

  • Ideal for borrowers with good to excellent credit
  • Landscaping loans available
  • Competitive fixed interest rate financing
  • Same day funds when approved
  • Complete online application process
  • $100 “best loan experience ever” guarantee
  • High maximum loan amount

2. LendingClub 

LendingClub has helped over 100,000 people improve their homes. Whether you need to install systems for energy efficiency, tackle major repairs, or complete a renovation project like hardscaping, Lending Club’s home improvement loans are a good option for many people.

It works differently than a bank. Instead, the company is a marketplace that connects borrowers with investors who fund loans in exchange for returns.

  • Apply online in minutes without hurting your credit score
  • Marketplace lending platform
  • No prepayment penalties
  • No hidden fees
  • Unsecured loan based on credit
  • Money deposited into your bank account
  • No bank paperwork

 

3. Prosper 

Prosper is also a marketplace lending company that connects borrowers with investors, and it happens to be the first one that existed in the U.S. With over $9 billion so far in funded loans, they’re doing something right.

The application process is easy to fill in, and the interest rates are competitive. Upon approval, Prosper will submit a same-day transfer to your bank.

  • No hidden fees or prepayment penalties
  • Marketplace lending platform
  • Competitive interest rates
  • Full online application and approval process
  • Approves borrowers with 640+credit score
  • Fixed interest rates

4. Avant

Avant issues online personal loans via WebBank. Since 2012, it has helped over 600,000 customers get the funding they need. The aim of this company is to help make borrowing more accessible and affordable.

It does this by having flexible approval requirements and reasonable rates. They also offer a one-page online approval form that allows you to quickly find out what rates you qualify for. When approved, you can get your funds as soon as the next day.

  • Lenient credit requirements
  • Easy online application and approval process
  • Mobile app to manage your loan

5. SoFi

SoFi offers personal loans that can be used for a variety of purposes, from paying off credit card debt to funding home improvements projects. This lender offers fixed and variable interest rates, and the loans are unsecured. They also offer an easy online application and approval process.

The ideal SoFi customer is employed or has sufficient income, has a strong monthly cash flow, and has a responsible credit history.

  • Recommended for borrowers with good credit and strong monthly cash flow
  • Competitive interest rates
  • High maximum loan amount
  • No origination fees or closing costs
  • Funds within a few days

Find the best lender for you

Not sure which lender will be best for you? You’re not alone. In fact, a new challenge that people are facing when they need to borrow is that they have too many options. While that may not sound like a bad thing, it does have its drawbacks.

  • For one, researching all of the lenders takes a lot of time.
  • Secondly, comparing all of the different offers can be confusing.

That’s why we decided to make it a little easier. We’ve developed a loan offer engine that does the hard part for you. After answering a few simple questions, Supermoney analyzes your needs, communicates with a long list of lenders, and returns pre-qualified offers from them without hurting your credit score.

This saves you all the time you’d spend researching, analyzing, and comparing. Instead, you can get it figured out in a matter of minutes. Then, you can enjoy the peace of mind knowing you got the best deal.

But what if you get more than one attractive offer and you don’t know which one to pick? We have a solution for that, too. Head over to our personal loans review page to review and compare each lender and see how real users rate their experiences.

Financing your dream hardscape can be simple by utilizing an online personal loan from the company that best meets your needs.

If you’re looking for estimates, use Homeadvisor ProFinder. It provides a list of vetted contractors in your area for free.

Featured lenders for personal loans

Lending PartnerMinimum FICO scoreEstimated APR 
60015.49% – 34.99%*Apply
6802.19% – 17.49% (with AutoPay)*Apply
650Fixed:
5.49% – 14.24% APR (with AutoPay)*
Variable:
4.99% – 11.14% APR (with AutoPay)*
Apply
6605.99% – 35.89%*Apply
6204.93% – 29.99%*Apply
5809.95% – 35.99%*Apply
7005.25% – 12%*Apply