Cool backyard gear.

Financing Your Backyard

Need financing for a dream backyard? We may be able to help you get money for landscaping,  a new patio set, a grill, smoker or anything else you like. If approved, you can shop as a cash buyer with any vendor you choose.

So, how much do you expect to spend on backyard gear?

An outdoor grill purchased with outdoor financing.

Financing Your Dream Backyard

Good backyard gear and landscaping can be quite costly. Even a simple outdoor patio set can go for over 1000 dollars, if you want quality. Sure, you can buy cheap but cheap outdoor gear is typically junk. Junk does not last and does not work as well as high quality gear.

If you do not want to settle for junk, we can help with backyard gear financing. Take a minute to get an offer for the gear that you need and you could be shopping as a cash buyer. Here is how it works.

Get Your Loan Offer

First, you need to fill out the quote form above. Enter in how much you expect to spend and then some basic personal information. Wrap everything up with the bank that you want money sent to and hit submit.

If approved, one lender from the group will make you an offer. You will then visit their website to review the terms of the loan. Make sure that you read through all of the details and think about whether the loan is a good deal.

Should you accept the loan, your lender will deposit funds directly into your account. This can happen as soon as the next business day. Once you have your funds, you can shop for your backyard gear as a cash buyer.

Making Your Loan Decision

Keep in mind that not every offer is a good one. This is particularly true if you have no credit or bad credit. So, before you blindly accept your loan, here are some things to think about.

First and foremost, can you afford to make the payments? Hopefully, you have a budget that you can use to help you decide the answer to this. If not, simply write down all of your bills and add your potential loan payment. Are you bringing in enough to comfortably cover your expenses?

Next, look at whether or not the loan is just too costly. Take a look at the total loan cost and see what your cost of financing is. Since your backyard gear will likely be a luxury item, how much of a cost are you willing to pay?

Buying Your Backyard Gear

If you decided to accept your loan, you now have the fun pat, buying your gear. Since you are a cash buyer, you can shop anywhere you like, so make sure you get the right gear for you.


Professional landscaping can cost thousands of dollars, but the results are worth it. Your dream backyard landscaping will improve your enjoyment of your home and you will often get back 80 to 90 percent of what you spend in home value.

Smokers & Grills

Many people use their financing to purchase a new smoker or BBQ grill. There are a lot of different ways to go with these things.

For smokers, do you want a stick burner, propane, electric or even a pellet grill like a Traeger grill? Do you want a cabinet style smoke or a traditional barrel design? Whatever you choose, make sure that you go with quality. Smokers are subject to lengthy burns, sometimes with high humidity. This means that a cheap one will quickly fall apart.

Grills are just as varied as smokers. You can choose from electric, gas or charcoal fuel and they come in a range of different sizes. Ceramic grills such as the Big Green Egg are also becoming a common choice, albeit an expensive one.

Patio Furniture

Another place where people spend their financing is on patio furniture. With high end furniture sets costing thousands of dollars, it is no wonder. If this is where you will be spending your money, be sure to test drive as many different types of furniture as you can.

Outdoor Kitchens

One of the best things that you can spend your money on is outdoor living space and the outdoor kitchen is the ultimate treasure. Start grilling and cooking your meals from start to finish with an outdoor kitchen.

Kid Stuff

Maybe your intention is to purchase a new playground with your backyard gear financing. It is a great way to give your kids a special and safe place to play. These home playgrounds are more than just swing sets these days. Forts, climbing walls and other accessories can make them quite special.

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