OUTDOORSPACES.cc
Project Financing

Don't Let Budget Stop Your Dream Project

Check your rate in 60 seconds with no impact to your credit score. Get competing loan offers from top lenders and start building sooner.

Estimate Your Monthly Payment
Adjust the sliders to see estimated payments
Project Amount$25,000
Loan Term
Credit Rating
Estimated APR10.99%
Default APR is set by your credit tier. Drag to fine-tune.
EST. MONTHLY PAYMENT
$428/mo
Total Loan
$25,000
Total Interest
$10,946
Total Cost
$35,946
Check your actual rate — no credit impact
Acorn Finance ↗HFS Financial ↗

*Estimates are illustrative only. Actual rates and terms are set by the lender based on your credit profile and loan amount.

Simple Process

From Application to Funded in 3 Steps

No paperwork. No bank visits. No waiting weeks for an answer.

1

Check Your Rate

Fill out a short 60-second form online. A soft credit check shows your personalized loan options instantly — with zero impact to your credit score.

2

Choose Your Offer

Compare real competing offers side by side. Pick the rate, term, and monthly payment that fits your project budget and timeline.

3

Get Funded & Build

Funds deposit directly to your bank account — often within 1 business day. You become a cash buyer and your contractor can start immediately.

Our Financing Partners

Two Trusted Lenders. Zero Cost to Apply.

We partner with the best home improvement financing specialists so you get competitive offers for any project size.

BEST FOR MOST PROJECTS

Acorn Finance

25+ Lenders. One Application.
💰Loan Amount$1,000 – $250,000
📅Terms12 – 144 months
⚡Min. Credit Score550+ (widest access)
🔍Credit CheckSoft pull — no score impact
💳Dealer FeesNone — free for homeowners
⏱Funding SpeedAs fast as 24 hours

The most lender options available in one place. Submit a single application and instantly see competing offers from 25+ top lenders — no paperwork, no bank visits, no score impact. Perfect for pools, patios, landscaping, outdoor kitchens, and full backyard transformations of any size.

Check My Rate with Acorn Finance →

No obligation · No credit impact · Results in seconds

BEST FOR LARGE PROJECTS

HFS Financial

You Dream It, We Finance It.
💰Loan Amount$5,000 – $450,000
📅Terms1 – 30 years
📉Starting Rate7.8% fixed APR
🏠Home Equity Req.Not required
🚫Prepayment PenaltyNone
⏱Funding SpeedAs fast as 1 business day

Specialists in large-scale outdoor projects. Pools, outdoor kitchens, full backyard overhauls — HFS Financial funds the big dreams. Fixed rates that never change, no stage funding delays, and the full loan amount is deposited upfront so your contractor can get started on day one.

Check My Rate with HFS Financial →

No obligation · No credit impact · 60-second inquiry

OutdoorSpaces.cc partners with these financing providers as an independent referral platform. All loan applications are processed directly between the homeowner and the lender. Rates and terms are subject to credit approval and may vary. Checking your rate does not impact your credit score.

What Will My Project Cost?

Use these estimates to find the right loan amount before you apply.

🏊
Pool Installation
$35,000–$85,000
Est. from $287/mo*
🍳
Outdoor Kitchen
$15,000–$50,000
Est. from $123/mo*
🧱
Paver Patio/Driveway
$8,000–$25,000
Est. from $65/mo*
🌴
Full Landscaping
$5,000–$20,000
Est. from $41/mo*
🎾
Pickleball Court
$15,000–$40,000
Est. from $123/mo*
☀️
Pergola / Shade
$8,000–$30,000
Est. from $65/mo*
🔥
Fire Pit + Seating
$3,000–$12,000
Est. from $25/mo*
🏡
Fencing
$3,000–$15,000
Est. from $25/mo*
💡
Outdoor Lighting
$2,000–$8,000
Est. from $16/mo*
🪵
Deck / Patio
$10,000–$35,000
Est. from $82/mo*
🌳
Tree Services
$1,000–$5,000
Est. from $8/mo*
🛁
Hot Tub / Spa
$5,000–$20,000
Est. from $41/mo*

*Monthly estimates based on an illustrative 84-month term at 8.9% APR. Actual rates vary by lender, loan amount, and credit profile.

Financing Questions, Answered

Everything homeowners ask before they apply.

No. Both Acorn Finance and HFS Financial use a soft credit inquiry for pre-qualification — this has zero impact on your credit score. A hard inquiry only occurs if you formally apply through a specific lender after reviewing your offer and choosing to proceed.

Acorn Finance offers loans from $1,000 to $250,000 (and up to $500,000 for home equity products in eligible states). HFS Financial specializes in larger amounts from $5,000 to $450,000 — ideal for pools, full kitchen builds, and large outdoor transformations.

For most projects under $100,000, start with Acorn Finance — you'll see competing offers from 25+ lenders at once and can choose the best rate. For large projects like pools, full outdoor kitchens, or complete backyard overhauls, HFS Financial specializes in exactly these project types and can fund up to $450,000 with fixed rates starting at 7.8%.

Acorn Finance personal loans typically fund within 24 hours of final approval. HFS Financial funds as fast as 1 business day. Home equity products through either partner may take 1–2 weeks.

No. Both partners offer unsecured personal loans — no home equity, no appraisal, and no collateral required. Your home is not at risk with these loan types.

Acorn Finance accepts scores as low as 550 and connects you with the lender most likely to approve your specific credit profile. HFS Financial works with a broad range of borrowers. The higher your score, the better your rate — but options exist for most homeowners.

Yes. Neither Acorn Finance nor HFS Financial charge prepayment penalties. Pay off your loan ahead of schedule and save on interest — there's no fee for doing so.

Ready to Check Your Rate?

No credit impact. No obligation. Takes 60 seconds.

Check Rate — Acorn Finance →Check Rate — HFS Financial →

All applications are submitted directly to the lender. OutdoorSpaces.cc does not collect, store, or process your financial information.