See if your outdoor project fits your monthly budget.
Most Metro Atlanta homeowners want to know the same thing first: how much will this cost per month? Start with payment examples, review current financing paths, and check your rate through Upstart with no impact to your credit score.
Financing Options
Start with the best-cost option first
Promotional financing is always the first thing worth checking. If a same-as-cash program is active for your project type, we will review it before you consider a personal loan.
0% Same-As-Cash Promotions
Ask your consultant whether 12- to 24-month promotional financing is currently available through a home-improvement finance partner. Availability changes by program, credit approval, project type, and timing.
Upstart Personal Loans
Upstart-powered personal loans currently show fixed 3- or 5-year terms with APRs ranging from 6.2% to 35.99%. Final rates vary by applicant, lender, state, fees, and approval.
Standard Invoice Payment
You can also pay by standard project invoice. We will show the installed price, payment timing, and financing comparisons before you commit to a scope.
Pre-Approval
Check your rate without leaving this decision point
Use the embedded rate-start panel below to move directly from project interest to financing review. Checking your Upstart rate uses a soft credit inquiry.
A faster way to explore outdoor living financing
Upstart is a leading personal loan platform that has helped more than 4 million customers access credit. Unlike traditional lenders, Upstart considers factors beyond your credit score, including education and employment history, to offer more people competitive rates. Loan amounts can range from $1,000 to $75,000, with Georgia minimums and final amounts subject to lender approval.
Learn more at upstart.com ->Payment Examples
What Could My Payments Look Like?
Use these examples as a starting point before your consultation. Your actual rate, APR, fees, and monthly payment are determined by the lender.
Flagship Motorized Awning
Custom Deck + Awning Package
Complete Outdoor Living Package
Payment examples are estimates for illustration only and assume a representative APR. Actual rates, terms, fees, and monthly payments will vary based on creditworthiness and are determined by the lender. Subject to credit approval.
Financing is provided by third-party lending partners and is subject to credit approval. Vantage Outdoor Living does not make credit decisions. Terms, rates, loan amounts, and availability may vary by applicant.
Pricing Window
Lock in current pricing and available financing rates.
Material costs, labor calendars, and lender rates can change seasonally. An estimate gives you a current installed price and lets you compare cash, promotional financing if available, and Upstart-powered loan options before costs move.
How Financing Works
A simpler path to better outdoor living
Estimate
We measure your space, confirm deck, awning, and lighting options, and give you a clear installed project price. There's no obligation and no impact to your credit score at this stage.
Review Options
If financing is a fit, we explain the Upstart-powered option and what information is needed to apply. Checking your rate through Upstart is a soft credit inquiry and does not affect your credit score.
Schedule Installation
Once your project is approved and finalized, our local team orders materials and schedules installation. Most projects are installed within 2-4 weeks of financing approval.
Cost vs. value helps the decision make sense
Deck resale value
Recent national Cost vs. Value reporting shows wood and composite deck additions among stronger exterior projects, with resale value often recouping a large share of cost.
Awning energy impact
Exterior awnings can reduce summer solar heat gain on sun-exposed windows, which may lower cooling load and make adjacent rooms more comfortable.
More usable square footage
Decks, shade, and lighting turn unused yard space into a daily living area for dining, entertaining, grilling, and evening use.
Better scope decisions
Seeing the monthly cost can help you compare a partial project against the complete deck, shade, and lighting plan you actually want.
Financing FAQ
Common Financing Questions
Does checking my rate affect my credit score?
No. Checking your rate through Upstart uses a soft credit inquiry, which does not impact your credit score. Only if you accept a loan offer will a hard inquiry be made.
How long does the approval process take?
Most applicants receive a rate decision within minutes. Once approved and your project is finalized, our team schedules installation promptly.
What credit score do I need to qualify?
Upstart considers more than just your credit score - including income, employment, and education history. There is no published minimum score, and many applicants who were declined by traditional lenders have been approved through Upstart.
Can I finance just the awning, or does it have to be the full package?
You can finance any project scope - a standalone motorized awning, a custom deck, outdoor lighting, or the complete package. We'll provide a clear installed price for whatever scope you choose.
What loan amounts are available?
Upstart personal loan amounts can range from $1,000 to $75,000, with a $3,100 minimum in Georgia. Final amounts are subject to lender approval and applicant qualifications.
What APR should I expect?
Upstart currently lists fixed personal-loan APRs from 6.2% to 35.99%, with the lowest rates reserved for the most qualified applicants. Promotional same-as-cash terms, when available, are separate and should be reviewed before choosing a personal loan.
Is financing through Upstart the only payment option?
No. Ask whether promotional same-as-cash financing is currently available, compare that against Upstart-powered personal loan options, or use standard invoice payment. Your consultant can walk through payment timing and active options during your free consultation.
Customer Stories
Homeowners who used financing to move forward
"We'd been putting the deck off for two years because of the upfront cost. Once we realized we could spread it over 60 months the decision was easy. The monthly payment was less than we expected and the backyard is completely transformed."- Elena R., Vinings, GA
"I wasn't sure I'd qualify but the Upstart process took about 10 minutes and we were approved the same day. Vantage walked us through every step. No pressure, no surprises."- Sarah T., Roswell, GA
Get Your Free Estimate and Explore Financing Options
Tell us about your project and we'll walk you through deck, awning, and lighting pricing plus financing options in one conversation.