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0% APR Available · 24 Months · Now Up To $65K

Build Now. Pay Over Time.

Get the driveway, patio, pergola, or outdoor kitchen you've been planning — and break the cost into monthly payments instead of one big check. Apply in 2 minutes. No impact to your credit score.

Prequalify in 2 Minutes → 📞 786-269-9215
✓ Soft credit check · ✓ Instant decision · ✓ No prepayment penalties
0%

APR Available

For up to 24 months

2 min

Application

From phone or laptop

$100K

Max Financed

Wisetack $65K + Wells Fargo $100K

0

Credit Impact

Soft pull only to check rates

How It Works

Three Steps. Done Today.

From "I wish I could afford this" to "we're starting next week" — without a trip to the bank or a stack of paperwork.

1

Get a Free Quote

Call us, text us, or book online. We'll come out, measure, listen, and send you a real fixed-price written number — usually same week.

2

Prequalify in 2 Minutes

Click the prequalify link from your quote (or the button on this page). Soft credit check, no impact to your score, instant decision.

3

We Build. You Pay Monthly.

We start your project on schedule. You make affordable monthly payments — at 0% APR if you qualify — instead of one big lump sum.

Two Trusted Lenders

Choose the Plan That Fits You

We partner with two of the most trusted names in home-improvement lending so you can pick the option that matches your project size and timeline.

Most Popular
Wisetack
Best for: Fast approval, flexible monthly payments, projects up to $65,000
  • 0% APR on qualifying offers up to 24 months
  • 9.9% APR on 7- and 10-year terms for eligible borrowers
  • Instant decisions up to $65,000
  • Financing up to $65,000
  • Terms from 3 to 120 months
  • No prepayment penalties
  • No hidden fees, no compounding interest
  • Soft credit check — no impact to your score
Why clients pick Wisetack Simple, fast, and flexible. The application takes 2 minutes — and the prequalify link is included with every quote we send so you can check your rate before you commit. With the new $65K cap and 9.9% APR on long terms, even full backyard remodels feel affordable.
Prequalify with Wisetack →
Wells Fargo
Best for: Mid to large projects, long-term financing, full outdoor remodels
  • Promotional 0% APR options available
  • Instant decisions up to $50,000
  • Financing up to $100,000
  • Terms from 1 to 10 years
  • Trusted national bank
  • Long-term affordable monthly payments
  • Strong choice for full outdoor living transformations
Why clients pick Wells Fargo Higher loan amounts and longer terms make Wells Fargo the right pick for full-yard transformations — pergola + outdoor kitchen + patio + turf — where Wisetack's $65K cap isn't enough.
Ask Us About Wells Fargo →
Sample Loan Math

What Different Loan Amounts Look Like

Illustrative monthly payments at different loan amounts and terms. Your actual project quote and rate depend on the scope, creditworthiness, and lender — use the calculator above to plug in your own number, or get a free on-site quote first.

Loan Amount
$8,000
$334 /mo
0% APR · 24 months*
Loan Amount
$12,000
$500 /mo
0% APR · 24 months*
Loan Amount
$18,000
$291 /mo
Approx. · 6.9% APR · 84 months*
Loan Amount
$25,000
$404 /mo
Approx. · 6.9% APR · 84 months*
Loan Amount
$50,000
$660 /mo
Approx. · 9.9% APR · 120 months · Wisetack*
Loan Amount
$80,000
$1,057 /mo
Approx. · 10% APR · 120 months · Wells Fargo*

*Sample payments only. Your actual rate, term, and monthly payment depend on creditworthiness, loan amount, and lender. Project pricing is always quote-based — every project is custom. See full disclosure below.

What You Can Finance

Any Project We Build, You Can Finance

From a single-car driveway to a full backyard transformation — every service we offer qualifies.

Concrete DrivewaysPlain, broom, or stamped
Stamped ConcretePatios, walkways, pool decks
PergolasAluminum, wood, custom designs
Outdoor KitchensFull builds with grill, sink, storage
Pool DecksDecorative, slip-resistant finishes
Artificial TurfFront yards, backyards, putting greens
Concrete SlabsBackyard, side-yard, AC pads
Walkways & SidewalksPlain, decorative, ADA-compliant
Backyard TransformationsPergola + patio + turf packages
Frequently Asked

Things People Ask Before They Apply

Real answers — no fine print, no surprises.

Will applying affect my credit score?
No. Checking your options through Wisetack uses a soft credit pull — it does not impact your credit score. You'll see if you qualify and what your rate is in about a minute, with zero risk to your credit.
How much can I finance?
Up to $65,000 through Wisetack with instant decisions, and up to $100,000 through Wells Fargo (with instant decisions on amounts up to $50,000). Together, we can finance any project from a small repair to a complete outdoor living transformation.
Is the 0% APR offer real?
Yes. Qualified customers get 0% APR for up to 24 months. For longer 7- and 10-year terms, eligible borrowers now get rates starting at 9.9% APR through Wisetack. Your exact rate depends on your credit profile — APRs range from 0% to 35.9%. You'll see your actual offer before you accept anything, so there are no surprises.
How long does the application take?
About 2 minutes online. You'll get an instant decision in most cases. There's nothing to mail in, no notarization, no in-person bank meeting, no long forms.
Are there prepayment penalties or hidden fees?
No. No prepayment penalties. No hidden fees. No compounding interest. You can pay your loan off early at any time without extra charges.
What if I'm denied?
If Wisetack doesn't approve you, we can usually still help — we'll talk you through Wells Fargo, alternative payment plans, or phasing your project so it fits your budget. A "no" from one lender isn't a "no" from us.
Do you offer financing in my city?
Yes. We offer Wisetack and Wells Fargo financing for any client in our service area — Miami-Dade and Broward County, including Hialeah, Miami, Doral, Hollywood, Pembroke Pines, Fort Lauderdale, and surrounding cities.
Can I check my financing options before I accept the quote?
Absolutely. Every quote we send includes the prequalify link so you can check your monthly payment before you commit. The estimate is free either way.

Stop Saving. Start Building.

Your dream backyard isn't a "someday" project. It's a 2-minute application. Soft credit check. No impact to your score. Instant decision. Find out what you qualify for right now.

Prequalify Now — 2 Minutes → 📞 786-269-9215
No impact to credit · Instant decision · Trusted lenders

Financing disclosure: All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our lending partners. For example, a $1,200 purchase could cost $104.89 a month for 12 months, based on an 8.9% APR, or $400 a month for 3 months, based on a 0% APR. Offers range from 0%–35.9% APR based on creditworthiness. State interest rate caps may apply. No other financing charges or participation fees. Sample monthly payments shown elsewhere on this page are illustrative and assume the listed term, APR, and creditworthiness — your actual offer may differ. Wells Fargo financing is offered through Wells Fargo Bank, N.A. and is subject to its own credit approval and terms. See additional Wisetack terms at wisetack.com/faqs. Concrete Designs LLC is not a lender and does not make credit decisions.