Financing Options
Get the outdoor space you want now and pay over time with flexible financing.
Pay over time
Split your purchase into easy monthly payments at checkout.
Quick approval
Get a decision in seconds without affecting your credit score.
Transparent terms
See your payment schedule upfront with no hidden fees.
Competitive rates
Financing options designed to fit a range of budgets.
How it works
- Add your outdoor furniture to cart and proceed to checkout.
- Select the financing option at payment.
- Enter a few details to see available plans and monthly payments.
- Complete your order and enjoy your patio while you pay over time.
What you’ll need
Financing applications typically require a valid U.S. ID, a checking or savings account, and a mobile phone number. Approval decisions are made by our financing partner and are subject to their eligibility requirements.
Common questions
Does applying affect my credit?
A quick eligibility check usually does not impact your credit score. Full terms are shown before you commit.
Can I pay off my balance early?
Yes. Most financing partners allow early payoff without prepayment penalties.
What if my order includes multiple items?
You can finance your entire cart total, including furniture, accessories, and shipping.
Ready to get started?
Browse our collections and see financing options at checkout. If you have questions before ordering, email support@patiooak.com.