What are the terms available for pergola financing?

Lyon Financial offers flexible financing options for pergola financing with terms up to 30 years and loan amounts up to $250,000 on approved credit.

How are funds distributed for my backyard project?

Funds are typically distributed through staged payments directly to your contractor or builder as construction milestones are completed and approved by you.

Patio Financing - Lyon Financial

Bring Your Vision to Life

Patio Financing

Patios are perfect for enjoying your outdoor space, entertaining family and friends, and adding to your home’s curb appeal. Because patio projects can involve a significant investment, many homeowners take time to consider the best way to move forward. Adding patio covers or enclosures can also affect the total project cost.

Lyon Financial offers flexible patio financing options to help make your outdoor project more manageable. Rather than navigating the cost of a major outdoor project on your own, our financing programs can help connect you to funding options with competitive rates and flexible terms.

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What Do Patio Loans Cover?

Patio loans may help cover eligible project costs, including:

New patio construction: Loans for building a patio cover include important expenses, from site preparation to the foundation. Financing also covers material purchases like pavers, natural stone and concrete.
Patio replacement or repair: If your backyard has an old patio that needs demolition or repair, you can get a loan to cover the project.
Patio covers: An overhead roof structure adds flair to your patio. Patio cover financing can cover construction costs.
Patio enclosures: Make your patio a comfortable oasis with mesh screens, glass windows and walls, and use patio enclosure financing to fund the project.
Additional features: In addition to the patio itself, your loan can cover accessories like seating walls, firepits and lighting.

We also offer financing for outdoor kitchens, pergolas and decks, so you can use loan bundling options for a complete outdoor space makeover.

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Testimonials

Hear from Our Clients

The process was handled quickly in obtaining our loan. We really appreciated how the payments were dispersed in increments. Some companies take advantage when customers put too much down in the beginning. Thank you for making this a smooth transaction.

– Tracey DeSouza

Lyon Financial was incredible and easy to work with I would highly recommend them to anyone that is in need of financing for a pool or just a home improvement loan.

– Rodney L

We have our loan with Lyon Financial and are very happy with their services as well as their outstanding customer service. They are prompt to answer any questions we’ve had and on top of every signature or paper work needed…

– Flor O

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How Does Patio Financing Work?

Lyon Financial is a facilitator of loans and financing for outdoor home improvement projects. We connect homeowners with financing partners to explore flexible loan options for their home improvement projects. Our loan programs:

Have fixed interest rates: Get a fixed rate for the length of your loan for predictable payments.
Require no equity: No home equity is required to secure a loan.
Offer long terms: Loan terms up to 20* years are available to meet your needs.
Offer flexible loan amounts: Financing options are available for a variety of project sizes and budgets
Offer flexible financing options: Multiple financing options are available to accommodate a variety of home improvement projects and needs.
Have no prepayment penalties: If you want to pay off your patio financing loan early, you can do so penalty-free.

Why Choose Lyon Financial for Deck and Patio Financing?

Lyon Financial is a national facilitator specializing in decks, porches, patios and other home improvement project financing. We are proud of our:

Decades of Experience

Founded in 1979, we are one of the longest-standing home improvement project financing experts in the industry. We have decades of specialized home improvement financing experience to bring to your project.

Thousands of Happy Customers

Lyon Financial has helped more than 800,000 satisfied customers nationwide and supported $7.5 billion+ in funded loans since 2022.

Personalized Service

Connect with a live and knowledgeable specialist to walk you through our patio cover financing program and find a flexible loan option that works for your family.

Secure, Convenient Application Process

Apply for a patio loan using our secure online portal. The application process is simple and customizable, requiring only a few basic questions to determine your eligibility.

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Frequently Asked Questions About Patio Financing

Review these common questions and answers to learn more about our loan and financing options.

Yes, you can use your loan to build a patio cover or enclosure over a new or existing patio. Our patio financing options cover your entire patio transformation project, including construction, installation, lighting, landscaping and more.

No, equity is not required to qualify for a patio loan. Our lenders consider other factors when helping you find a loan option that’s right for your family. With lien-free loans, you can avoid the risk and unpredictability of borrowing against your home’s available equity and instead get financing that offers long repayment terms and fixed interest rates.

Lyon Financial will do a soft credit inquiry after you apply to do an initial review and find the right lender for your needs. A soft pull does not impact your credit score. After you’re matched with a participating lender, your application may automatically be submitted for further review. Your lender will do a hard credit inquiry with Equifax, Experian or TransUnion, which can have a small impact on your credit score. Submitting your application authorizes this process.

Yes, you can bundle your patio loan with other projects like landscaping, outdoor kitchens, pergolas and decks. We can connect you with a lender who will provide financing to cover your entire backyard renovation project in a single, convenient loan.

Our approval process is fast, with many lenders providing prequalification or full approval in 24-48 hours. Make sure your application is complete and that you have provided all of the required documents for approval. We make the approval process simple, so you can focus on building a new patio.

Apply for a Loan for Building a Patio With Lyon Financial

Enhance your outdoor space with a patio you’ll enjoy for many years to come. The team at Lyon Financial is ready to help you with all of your patio financing needs. Apply today to explore financing options for your patio or outdoor living project. You can also talk to a loan specialist by calling 877-754-5966 or reach out to us online to learn more about our loan process.