Outdoor Kitchen & Outdoor Living Financing Available
Build the outdoor kitchen, patio cover, pergola, fire feature, or backyard living space you actually want.
Check your rate in 60 seconds through Hearth — soft pull only, no credit score impact.
Calculate Your Monthly Payment
Estimated monthly payment
✓ 7.99% Fixed APR
✓ 15 Year Term (180 mo)
No Interest or Payments for 12 Months
Balance due in full after 12 months
Estimated monthly payment
✓ 6.99% Fixed APR
✓ No Interest for 90 Days
✓ 10 Year Term
Estimated monthly payment
✓ 6.99% Fixed APR
✓ No Interest for 90 Days
✓ 5 Year Term
If paid in 18 months
✓ 0% Fixed APR
✓ No Interest for 18 Months
✓ Deferred Interest
Subject to current offerings and credit approval. Actual rates, terms, and payments depend on the lender and your credit profile.
Why Financing Makes Sense
Preserve Cash Flow
Keep liquidity for life, not lumber.
Build the Right Scope
Specify the appliances and materials you actually want, not the ones that fit a one-time check.
Lock Today's Pricing
Materials and labor pricing rarely move down. Financing lets you commit to today's number.
Sample Monthly Payments
See where your project fits — then pick a term length that keeps the payment comfortable.
| Project Size | 60 Months | 84 Months | 120 Months | 180 Months |
|---|---|---|---|---|
| $15,000 | $304 | $234 | $182 | $143 |
| $20,000 | $405 | $312 | $243 | $191 |
| $25,000 | $507 | $390 | $303 | $239 |
| $30,000 | $608 | $467 | $364 | $287 |
| $50,000 | $1,014 | $779 | $606 | $478 |
| $75,000 | $1,520 | $1,169 | $910 | $716 |
| $100,000 | $2,027 | $1,558 | $1,213 | $955 |
Illustrative only. Starting at 7.99% APR for qualified credit. Actual rates and payments depend on approved lender, credit profile, and term length.
Find your monthly payment — then check your rate with Hearth.
Check My Rate — No Credit ImpactFinancing Made Simple
We use Hearth — a leading home improvement financing marketplace — to connect you with lenders who specialize in outdoor living projects. One soft-pull application, real offers in 60 seconds, up to $250,000 available.
Soft Pull — No Credit Score Impact
Hearth's pre-qualification is a soft credit pull only. Checking your rate won't affect your credit score. You'll see real offers in about 60 seconds.
Multiple Lenders, One Form
Hearth shops your application across a network of home improvement lenders simultaneously. You compare real offers side by side and choose what works for your budget.
Built for Home Improvement
Hearth lenders specialize in outdoor living and home improvement projects — with loan amounts up to $250,000 and terms designed to keep monthly payments comfortable.
Ready to Apply?
Check your rate through Hearth in 60 seconds — soft pull only, no credit score impact. Compare real offers from home improvement lenders and choose the term that fits your budget.
4 Season's Outdoors is not a lender. Financing is offered through Hearth, an independent third-party financing marketplace. Rates, terms, and approval are determined by individual lenders and depend on your credit profile. Pre-qualification is a soft credit pull and does not affect your credit score.
