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La Plata Landscape LLC

                                      financing options made simple


Credit Card with Intro 0% APR (Quick & Easy)

  • Use your own card if it offers 12–21 months at 0%.
  • Gain rewards for your project.
We accept all major cards (no surcharge).

Pro tip: Pay off before the promo ends to avoid high interest.

"Phase Your Project" Plan (No Financing Needed)

  • Break the work into stages:
    • Phase 1: Front yard curb appeal ($2,000–$8,000)
    • Phase 2: Backyard patio next season
  • Pay as you go – no loans, no interest

Home Equity Options (Lowest Rates, Tax Benefits) *

  • HELOC (Line of Credit): Borrow as you go, interest-only payments during construction.
  • Rates as low as Prime – 0.5% (currently ~7.5%).
    • Use only what you need.
  • Home Equity Loan: Lump sum, fixed rate/payment.
    • Example: $20,000 at 6.5% for 10 years = ~$227/month.
  • Why choose this? Lowest rates + *potential tax deduction on interest (consult your CPA).
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Application Link
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Low-Interest Unsecured Home Improvement Loan (Great for Larger Projects)

  • What it is: A personal loan from our lending partner Lyon Financial, Low, fixed rates
  • Loans up to $200,000*
  • Terms up to 15-30 years*
  • Special military programs available No prepayment penalties
  • No equity or appraisals required
  • Who qualifies: Credit score 660+, stable income.
  • Example: $15,000 at 6.99% over 5 years = ~$297/month.
  • Why choose this? Lower monthly payments for bigger projects (Decks, Patios, Driveways, Complete-Landscape makeovers).
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