Financing
Plan Your Landscape Project and Monthly Payment
Explore two simple ways to finance part of your outdoor project. Use the calculator to compare a nine-month payoff strategy with a longer fixed-payment option, then schedule a free consultation to turn that planning range into an actual project scope.
Financing is provided by Regions Bank through Regions Home Improvement Financing and is subject to credit approval and current lender terms.
Two ways people pay for it
- Pay It Off Within 9 MonthsKeep your cash available during the build and clear the balance inside the promotional period.
- Lower Monthly Payments Over 10 YearsA fixed rate and a predictable payment, with no promotional deadline to manage.
See How Financing Could Fit Your Project
Enter the amount you may want to finance and compare two straightforward approaches: paying the balance within nine months or spreading payments over ten years.
Planning estimate only. Results are based on the program information shown and standard mathematical assumptions. They are not a project quote, offer of credit, prequalification, approval, or financial recommendation. Actual APR, payment, term, and total repayment are determined by Regions Bank and will appear in the lender’s disclosures. Financing is subject to credit approval, and programs may change.
Program information last verified 4 September 2026.
Does This Payment Fit Your Plan?
The next step is determining what the actual project will cost. Schedule a free one-hour onsite consultation to discuss your property, priorities and realistic construction scope.
The range these projects sit in
Financing is easier to think about against real numbers than against a slider. These are three finished Sequoia builds at three scales, so you can see where a project like yours might land before you decide how to carry it. Each range is rounded from that project’s signed proposal rather than a verified final expenditure.
San CarlosTurf Lawn, Paver Patio and Raised Fire Pit
A backyard refresh: turf lawn, paver patio, a raised fire pit and seat bench, planting-bed work, low-voltage lighting and patio drainage.
BelmontA Backyard Built Around a Stone Outdoor Kitchen
A large-format paver patio, an L-shape stacked-stone outdoor kitchen, segmental retaining and seat walls, a composite-deck step and screening planting.
San MateoA Terraced Backyard Built Into a Hillside
Paver terracing, turf, engineered retaining walls, drainage, planting and low-voltage lighting across a sloped property.
Straight answers about paying for it over time
Sequoia works with Regions Home Improvement Financing, part of Regions Bank and one of the largest home improvement lenders in the country. Here is what that means for you, including the part most financing pages leave out.
No lien on your home
Regions Home Improvement Financing is unsecured. No collateral, no home appraisal and no home equity requirement, so nothing is recorded against your property. Worth saying plainly in California, because PACE-style programs attached the debt to the property tax bill. This does not.
Prequalifying does not affect your credit
You can see what you would qualify for before committing to anything. A hard credit check happens only if you go ahead and formally apply. Nothing on this page runs a credit check of any kind.
Same-as-cash, and the catch
Inside the promotional window the interest is waived, provided the balance is cleared in full before the window ends. If it is not, the interest that accrued is added to the balance and the loan converts to a fixed-rate installment loan. Useful when you have money coming. Expensive when you forget.
Fixed-rate installment loans
The other route: one predictable monthly payment at a fixed rate, with no promotional deadline to manage. The rate, term and total repayment are set by Regions at approval and appear in the lender’s own disclosures, not here.
Financing follows the contract price
Financing is arranged against the contracted price of the work, so the scope comes first and the payment comes second. Sequoia builds start at a $25,000 construction-project minimum, and the consultation and the presentation that follows it are both free, so you can find out the real number before deciding how to pay for it.
Other programs exist
Additional financing options may be available depending on the project, requested amount, credit approval, and current lender programs. Two are featured here because they are the two most people are choosing between.
How prequalification works
- 01
Prequalify
A soft check with Regions shows what you would qualify for. It does not affect your credit and it does not commit you to anything.
- 02
Agree the scope
The consultation and the design presentation establish what the project actually is. Financing is arranged against the contracted price, so this comes first.
- 03
Apply
The formal application runs a hard credit check. Regions decides the program, rate, term and amount.
- 04
Read the lender disclosures
The APR, payment, term, total repayment and any promotional deadline come from Regions in writing. Those numbers govern, not the estimates on this page.
- 05
Funding and the clock
On a promotional program the period runs from funding. Put that date in your calendar the day you get it.
Financing FAQs
Is this a quote?
No. The calculator is a planning tool. It uses the program information shown and standard loan arithmetic to give you a range to think in. It is not a project quote, an offer of credit, a prequalification or an approval. What your project costs is decided by its scope, and what you are approved for is decided by Regions.
Does checking my options affect my credit?
Prequalification with Regions does not affect your credit. A hard credit check happens only if you go ahead and formally apply. Nothing on this page runs any kind of credit check.
Is my home used as collateral?
No. Regions Home Improvement Financing is unsecured. There is no collateral, no home appraisal and no home equity requirement, so nothing is recorded against your property. This is worth saying plainly in California, because PACE-style programs attach the debt to the property tax bill. This does not.
What happens if I do not pay off the 9-month balance in time?
Interest accrues across the promotional period. It is waived only if the financed balance is paid in full by the deadline under the lender’s terms. If it is not, that accrued interest is added to the balance and the loan converts to a fixed-rate installment loan. That is why this page suggests having the money a month early rather than on the day.
When does the 9 months start?
From when the loan funds, not from your consultation and not from the day you use this calculator. Your Regions documents state the exact date, and it is the one to put in your calendar.
Can I finance the whole project?
The featured programs finance up to $65,000. Larger projects are common here and the balance comes from your own funds or another arrangement. Your project consultant will work through what makes sense for the actual scope.
Are these the only options?
No. Additional financing options may be available depending on the project, the requested amount, credit approval and current lender programs. These two are on the page because they are the two most people are choosing between; the rest are a conversation, not a web page.
Do I have to finance anything?
No. Most Sequoia projects are not financed. This page exists because the question comes up, not because financing is expected.
Let’s Plan Your Project
Tell us how you want to use your outdoor space, what you want to change, and your approximate construction budget. We will begin with a free consultation and work out the scope before anyone talks about a payment.
Financing provided by Regions Bank through Regions Home Improvement Financing. All financing is subject to credit approval. Rates, terms and promotional periods are set by the lender and may change; ask your Sequoia project consultant for the options currently available for your project. Sequoia Outdoor is a licensed contractor, not a lender, a broker or a financial adviser, and nothing on this page is financial advice.