Build Your Vision.
Pay Over Time.
We've partnered with trusted lenders to offer flexible payment options so you can build the outdoor space you want today, without compromising on quality or materials.
Estimate Your
Monthly Payment
Use this tool to get a rough idea of what your monthly payments might look like. Actual rates and terms will depend on the lender and your credit profile.
Estimated Monthly Payment
Financing with
Total Transparency
Home improvement financing has a reputation for hidden fees, high-pressure sales tactics, and confusing terms. We do things differently.
We believe financing should be a tool to help you achieve your goals, not a trap. That's why we maintain strict standards for the lending partners we work with and the transparency we provide our clients.
"We want you to understand exactly what you're signing before you commit to anything. No surprises, no pressure."
No Fees for Using Financing
We never surcharge or increase your project price for using financing. The price of your project is exactly the same whether you pay cash or finance.
Trusted Lending Partners
We exclusively partner with federally regulated lenders that offer real terms and real transparency. No predatory lending practices.
Transparent From Day One
We walk you through loan terms, interest rates, and payment schedules plainly before you commit to anything. You're always in control.
How Financing
Works With Us
We've streamlined the financing process to be as simple and stress-free as possible. From design to final walkthrough, here's what to expect.
Financing is subject to credit approval. Texas Urban Elements is not a lender and does not make credit decisions.
Design First
We determine your full project scope and exact pricing before any financial decisions are made. You need to know what you're building before deciding how to pay for it.
Explore Your Options
Your project director will walk you through the available financing programs, explaining the terms, rates, and payment options clearly so you can choose the best fit.
Apply Online
The application is fast, paperless, and completed directly by you on your own device. Credit decisions are typically delivered within minutes.
We Break Ground
Once you're clear-to-start and the loan documents are signed, we schedule your project. Payments to us are staged and authorized by you as work is completed.
Know Before You Sign
We want you to be fully informed. Here are the facts about home improvement financing you should know before applying.
You're Borrowing from a Lender, Not Us
Texas Urban Elements is not a bank. We facilitate the introduction, but your loan agreement is directly with the lending institution. We do not make credit decisions.
Approval Is Not Guaranteed
All financing offers are subject to individual creditworthiness, income verification, and the lender's underwriting criteria.
Understand Your Loan Type
We'll clearly explain if a plan is a fixed-rate loan or a deferred interest promotion so you understand exactly how interest is calculated.
You Activate the Loan — Not Us
We cannot activate your loan or draw funds without your explicit authorization. You remain in control of releasing payments as work progresses.
Residential Projects Only
These financing programs are strictly for personal, family, or household use on residential properties, not for commercial or investment flips.
You Won't Be Pressured
We don't use rush tactics or "price conditioning." You always have the right to walk away, review terms carefully, and decide what's best for your family.
Frequently Asked Questions
Ready to
Get Started?
Apply online today or give us a call to discuss your financing options.
Texas Urban Elements is not a lender and does not make credit decisions. Financing is subject to credit approval. GreenSky® is a registered trademark of GreenSky LLC. GreenSky Servicing LLC NMLS #1416362. All credit decisions made by program lenders. Financing programs are for residential use only. Texas Urban Elements does not charge any surcharges or additional fees for using financing. Equal Housing Lender.