Don't Wait Another Summer. Build Now, Pay Over Time.
Most Metro Atlanta homeowners finance their deck, awning, and lighting project so they can build the full space now instead of scaling back or waiting another season. Through our partnership with Upstart, you can explore flexible monthly payment options in minutes — with no impact to your credit score to check your rate.
A faster way to explore outdoor living financing
Upstart is a leading personal loan platform that has helped over 3 million people 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 typically range from $1,000 to $50,000.
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 and monthly payment are determined by Upstart.
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, and monthly payments will vary based on creditworthiness and are determined by Upstart. 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.
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.
Why customers finance outdoor living projects
Build the full space sooner
Avoid delaying the deck, shade, and lighting that would make your backyard usable this season.
Choose the right setup
Choose the right mix of deck materials, motorized awning features, fabric, and lighting without shrinking the project scope.
Predictable planning
Monthly payment options can make a custom deck, awning, and lighting package easier to budget.
Local install team
You still get our Metro Atlanta crew, product guidance, installation coordination, and final walkthrough.
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 loans typically range from $1,000 to $50,000, which covers most outdoor living project budgets. Final amounts are subject to credit approval.
Is financing through Upstart the only payment option?
Financing through Upstart is our primary payment plan option. We also accept standard invoice payment. Ask your consultant about payment timing and 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.