$25,000 project
A freestanding timber frame covered structure.
$390a month
Financing
Pay for your project over time.
We recommend SoFi home improvement loans. Borrow $5,000 to $100,000 and pay it back over 2 to 7 years.
Check your rate with SoFiWon't affect your credit score.
Same-day funding
Once you're approved, the money can arrive the same day.
Fixed payments
Your payment stays the same every month, so you can plan ahead.
No collateral
Your home isn't used to secure the loan.
No required fees
SoFi doesn't require any fees to take out the loan.
Payment calculator
What would I pay each month?
Pick your project amount and how long you want to pay it off.
Your monthly payment
$390/mo
Borrow over at % APR
$5,000$100,000
Loan $25,000
Interest $7,731
Total $32,731
This is an estimate. 8% is typical with good credit. SoFi sets your actual rate and payment.
Examples
What your budget can build.
Two real projects and what they'd cost each month over 7 years at 8%.
$25,000 project
$50,000 project
A patio area with a sunken fire pit.
$779a month
Prices are rough. Your design meeting sets the real price.
How it works
Three simple steps.
Step 2
Check your rate
Apply online with SoFi. It takes a few minutes.
Step 3
Start building
Once you're funded, we put your project on the schedule.
Common questions.
Who do you recommend for financing?
SoFi. Their home improvement loans run from $5,000 to $100,000 with no collateral and no required fees.
How much can I borrow?
From $5,000 to $100,000. It depends on your credit and income.
How long can I take to pay it off?
2 to 7 years. A longer loan means a lower monthly payment but more interest overall.
Are there any fees?
SoFi doesn't require any fees. Check their site for your full loan terms.
Do you offer in-house financing?
No. You apply with SoFi directly, and they handle approval and funding.
Is Kansas City Hardscapes involved in my loan?
No. Kansas City Hardscapes isn't part of your loan, and we don't see your application, rate or approval details. That stays between you and SoFi.
Still have a question? Call (816) 499-2547.
Start with a free design meeting.
We'll design your project and give you a price. Then you'll know exactly what to borrow.
The calculator and examples are estimates, not a loan offer. Kansas City Hardscapes is not a lender and does not make or arrange loans. SoFi home improvement loans are personal loans from SoFi Bank, N.A., Member FDIC, NMLS #696891, subject to credit approval. SoFi's fixed rates ranged from 6.99% to 35.49% APR as of November 3, 2026. SoFi sets all rates and terms, which can change without notice.