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Best Personal Loans for Hardscaping

March 2024

If your landscaping project costs more than you're ready to pay out-of-pocket, you may need a hardscaping loan. The good news is there is no shortage of options. Read on to see our picks for the best personal loans for hardscaping.
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There are dozens of online lenders that offer personal loans for home improvements, such as landscaping. The challenge is figuring out which one will be the best fit for you. Based on SuperMoney's algorithms and community feedback we selected the top personal loans for hardscaping projects.
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Methodology

We analyzed nearly 100 personal loan providers and looked for the most recommended loans for hardscaping and other home improvement projects. We then chose the lenders with the lowest interest rates and took into consideration other factors, such as flexible loan terms and affordable fees.
Personal loans have evolved over the past decade and are now one of the best ways to finance a variety of different home improvement projects, including hardscaping. 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. It's never been easier to get the financing you need for your hardscaping projects. And as more lenders have entered the market, loans continue to become more accessible and affordable.

Common Questions on Personal Loans for Hardscaping

Can you get a loan for hardscaping?

Yes, of course you can. That is the beauty of personal loans. If you're financing an outdoor project, you don't have to take a specialized home improvement or hardscaping loan. Personal loans can be used for any purpose, and there are many more lenders offering general personal loans than dedicated hardscaping loans. If you're a homeowner, you can also finance hardscaping projects with home equity loans and home equity lines of credit (HELOC). The interest rates with secured loans, such as HELOCs, are usually lower, but remember your home is on the line. If you fail to make payments, you could be forced to foreclose on your home.

What is the best personal loan for harscaping?

It all depends on who is asking. The best personal loan for hardscaping will depend on -- among other things -- where you live, your income, and your credit score. The list of top personal loans for hardscaping above shows the best offers according to SuperMoney's algorithms and the most recommended personal loans for good credit by consumers like you.
The table below shows the ranges for the key terms to consider when comparing personal loans for hardscaping projects.
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Notice that the lowest APRs of {{features_summary.interest-rate.lowest}}% are only available to high-income borrowers with excellent credit. Compare at least three lenders from the list above to find the best loan offer available for your credit profile. SuperMoney's loan offer engine allows you to get multiple loan offers from top lenders with one easy form without hurting your credit.

What credit score do you need to qualify for the best hardscaping personal loans?

FICO credit scores can range from 300 to 850. The higher your credit score the better your chances of qualifying for a loan with lower rates. Borrowers with poor credit may still qualify for a loan, but they will typically have to pay high interest rates and fees. Credit scores above 670 are considered good, and anything above 800 is excellent. Borrowers with high credit scores usually qualify for the best rates and terms.

How to find the most recommended personal loan for hardscaping?

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. Always compare at least three lenders when searching for the best hardscaping loan. First search for the top-rated personal loans for hardscaping projects. Then check APRs, fees, and eligibility requirements. The list of top-rated hardscaping loans above includes community recommendations based on the ratings of borrowers like you.
You will be surprised by the range of interest rates and fees you will get. For an even more personalized recommendation, use SuperMoney's loan offer engine.

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SuperMoney is the most comprehensive financial services comparison site around. We have published hundreds of personal finance articles and provide detailed reviews on thousands of financial products and services. Our unbiased advice and free comparison tools help consumers make smart financial decisions based on hard data, not marketing gimmicks.

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