Home improvement financing for your new deck

  • Rates starting at 8.99%
  • Up to 15-year terms
  • Borrow up to $100K
  • No prepayment penalties or hidden costs
  • No Credit Card

Making your new deck affordable.

A deck makes a great addition to your house if you want a convenient place to sit outside and enjoy the pleasant days of springtime, summer and autumn. Decks get you out in the open air and sunshine while offering indoor-style comforts and a smooth, sturdy surface for furniture. Adding a deck improves the sale price and attractiveness of your home to buyers if you eventually decide to move, too. Building a spacious, durable, low-maintenance deck is much easier if you find a contractor who is partnered with a modern financing company.

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Beautiful Wood Deck with Built in Bench

The Benefits You Get from Financing Your Deck Project

One of the benefits of financing means that your contractor won’t have to cut corners on features and quality. Additionally, it can help you quickly and affordably boost your home’s market value.

Financing Lets You Choose the Material You Prefer

Lightening the burden of payment for your deck with a good loan widens your material choices. Instead of going for pressure-treated wood, you can opt for the much superior grades of wood or one of the artificial materials. Pressure-treated lumber is cheap in up-front cost and looks fine when it’s brand new. However, it deteriorates quickly, requiring expensive maintenance and fairly rapid replacement. Better options include long-lasting, low-care exotic timber like redwood or ipe, or a quarter-century lifespan man-made aluminum, composite, or fiberglass deck.

Good Financing Sources Save You Time & Trouble

Choosing a contractor partnered with PowerPay, a first-rate financing company whose policies work to maximize your convenience, relieves you from excess work and frustration. You’ll enjoy a low, simple and fixed monthly payment. We also save your valuable time through conveniences like an online application, paperless billing, and rapid approvals.

You Get a Good Return on Investment for Financed Decks

Not only are decks an extremely pleasant addition to a house, giving you a handy outdoor space for sitting with friends, grilling, or even using as an open-air summer “home office,” they’re a good investment from a real estate perspective. Homeowners who add decks typically recover almost all of their expenses at closing, much more than other improvements provide. Your return on investment (ROI) from a bathroom remodel may be just 40%. The return on investment (ROI) of a deck ranges as high as 80%.

Our Most Popular Home Improvement Loans

Interior Remodeling Loans

Interior renovation and remodeling for new rooms and additions for anything inside your home.

Electrical Loans

From repairs to the entire home rewiring inside and outside.

Exterior Siding Loans

Install any siding project including vinyl, fiber cement, Hardie board, composite, wood, metal, brick, and stone siding.

Foundation Waterproofing Loans

Interior and Exterior waterproofing and foundation repairs – french drains, sump pumps and more.

Gutter Loans

Gutter replacement and gutter cover systems.

Attic Insulation Loans

Attic Insulation or wall insulation for any energy efficiency project.

Interior Remodeling & Addition Loans

Renovate or remodel rooms in your home or build an addition.

Lighting Loans

Exterior and Interior lighting including security and smart homes.

Paint & Wall Covering Loans

Interior and Exterior painting and wall coverings.

Sunroom & Patio Enclosure Loans

Sunrooms, Patio Enclosures, She Sheds, ADU’s and more.

Water Treatment Loans

Water filtration and water treatments.

Homeowner Deck Financing FAQ

How Does Deck Size Affect Cost?

Both material and labor costs increase proportionally as the deck size grows. For very small decks of around 80 square feet, you may pay $2,500 to $3,500 for cheap materials, or $4,000 to $5,000 for top end woods or composites. A 10’ by 20’ deck may cost anywhere from $7,800 to $12,000. The most typical deck size picked by Americans, 300 to 350 square feet, is currently priced at $13,000 to $21,000.

What's the Average Price for Extra Deck Features?

Given that you can opt to have your deck personalized in an almost infinite number of ways, the average cost of deck features vary. For example, in 2019, having your deck roofed cost between $3,500 and $10,000, depending on the size and materials. Putting your deck at ground level – rather than raising it on posts – can halve its cost. Elevating it to the second story may double the price. A sunroom costs from $25,000 to $55,000. Having a quality financing option allows you to consider the features you want without having to suffer from high interest credit cards or high out-of-pocket costs.

What is the Cost and Investment Return on a Rooftop Deck?

If well-maintained, a roof deck potentially adds 150% of its price to your home’s real estate value. Installing a deck on your home’s rooftop is a very complex job; the cheapest rooftop deck runs around $25,000, while adding several extra features can break the $60,000 level. However, rooftop decks are a rare kind of home improvement with a return of investment (ROI) higher than their cost. Financing that $40,000 rooftop deck might make your house worth $60,000 more when it sells.

Powerpay FAQ

Visit the PowerPay FAQ for borrowers to learn more about deck financing options, as well as answers to other frequently asked questions.