Complete the whole landscape plan in one season.
Hardscape, irrigation, grading, and the trees that take a decade to look established — funded up front so the yard is finished in one season, then repaid on a schedule you set.
Fixed rates from
7.49%APR with AutoPay*
Assumes excellent credit. Your rate is determined by your credit profile, amount, and term.
Checking your rate does not affect your credit score.
What it covers.
- Grading, drainage, and retaining walls
- Patios, walkways, and outdoor hardscape
- Irrigation, lighting, and an outdoor kitchen
- Mature trees, sod, and full planting design
Why a Lightstream loan.
The full design, funded at once
Paying as you go stretches a yard across years. Funding the whole design at once lets the grading, hardscape, and planting happen together, the way they were drawn.
A fixed payment on lasting work
Landscaping is a long-term investment in the property. A fixed-rate loan keeps the payment flat while the trees and hardscape mature into their value.
Terms that match the scope
A full landscape plan is home-scale work, so this purpose offers the program’s longer terms to size the payment sensibly.
Pay any designer or crew
Funds in your account cover the landscape architect, the hardscape crew, and the irrigation installer alike — one loan across the whole yard.
Loan amounts and terms.
- Loan amounts
- $3,000 – $100,000
- Repayment terms
- 2–20 years
| Loan term | APR range with AutoPay* | Example payment per $10,0002 |
|---|---|---|
| 3 years | 7.49%–18.49% | $311.02/mo |
| 4 years | 8.29%–19.29% | $245.49/mo |
| 5 years | 9.19%–20.19% | $208.51/mo |
| 6 years | 9.19%–20.19% | $181.20/mo |
| 7 years | 10.29%–21.29% | $167.51/mo |
| 10 years | 10.29%–21.29% | $133.76/mo |
| 15 years | 11.69%–22.69% | $118.03/mo |
| 20 years | 11.69%–22.69% | $107.96/mo |
Funds can be received as soon as the same business day for applications approved before 2:30 p.m. Eastern time.¹
Frequently asked questions.
Yes. Because funds go to your account, one loan can pay for grading, retaining walls, a patio, irrigation, and mature plantings across different specialists — rather than financing the “bones” now and the greenery later.
Mature, well-designed landscaping is consistently cited among the improvements that hold their value at resale, and it is enjoyed every day in the meantime. A fixed-rate loan lets you complete the design now instead of over many partial seasons.
A personal loan adds no lien to your home and skips the appraisal and closing a HELOC requires, funding in days at a fixed rate. For most landscape budgets, that speed and simplicity outweigh a HELOC’s marginally lower but variable rate.
Yes — outdoor kitchens, low-voltage lighting, and water features are all part of the amount you request. Size the loan to the full plan so every element is covered in one draw.
Related loan purposes.
Disclosures
*Loan terms vary by loan purpose, amount, term, and credit profile. The lowest advertised rates require excellent credit. 29.46% of approved applicants who applied for the lowest rate qualified for it, based on data from 01/01/2026 to 03/31/2026. The rate quoted includes the AutoPay discount; the AutoPay discount is only available prior to loan funding, and rates without AutoPay are 0.50% points higher. All loans are subject to credit approval; additional conditions and limitations apply. Advertised rates and terms are subject to change without notice.
¹Same-day funding is available if your loan is approved on a banking business day and, by 2:30 p.m. Eastern time, you complete these steps: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; (3) complete the final verification process.
²Example payments are per $10,000 borrowed at the lowest APR shown for that term, include the AutoPay discount, and assume excellent credit. Your payment is determined by your amount, term, and credit profile.
Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.
Maximum APR for a Lightstream loan is 25.39%. Loan terms range from 24 – 240 months depending on the loan purpose.