Financing

Landscaping Financing Options

Wouldn't it be nice if we could pay cash for everything we own!  While managing credit is important, financing helps most of us benefit from more costly items when we need them, not after we saved up for them. It is a lot different swimming with your offspring when they are young rather than waiting untill they are 25 and drop by the old folks for a visit.  As clients have asked us to help them secure financing for their outdoor projects, we thought it would be good to put an overview of some of these methods on our website.

Option 1. The old standby is a credit card.  At Allgood Outdoors, we take all major credit cards. Granted, seldom has a client put an entire project on a credit card but sometimes they have used the card to finance an upgrade in the project.  Over the years our landscape designers have divided up landscaping and hardscape projects into phases.  This allows the client to add to the project over the years. Once we start work, some clients might decide to use the credit card to do part of another phase.  While all credit card companies do charge us a little for the service, we are happy to provide it to our clients at no cost.  And some clients use the credit card as a way to build up travel points or other advantages as well.

Options 2. On the other hand, getting a second mortgage for a home improvement fits the bill for some people.  As an addition to the home the second mortgage could offers some tax advantages.  In the old days, outdoor rooms and using the landscape as an extension of the home's living space were not as valued as they are today.  But today, lenders and appraisers can be made to understand the value a properly done landscape will have.  Allgood Outdoors can help with this effort by providing the professional landscape drawing and information to help the lenders be assured that the project will add value.  At the beginning stages of a project, we can help homeowners talk with those banks, lenders and appraisers who have worked with us before.

Option 3. A third option is with John Deere Credit.  It may seem strange to have a "tractor company" involved with your home improvements.  But with a little explanation, one can understand this good option.  Years ago the people at John Deere recognized that the small family farm was on the decline but "urban horticulture" (read: landscape contracting) was increasing.  The John Deere Company made a commitment to be a major player in the Landscape Industry.  That has turned into a big plus for us in the industry.  In a industry that is actually a relatively young, John Deere brings much history and financial muscle. They were manufacturing plows before Henry Ford was even born. The company has survived every economic downturn since before the Civil War.  And through generous credit terms, many farmers survived the Great Depression of the 1930s.  Now, John Deere Credit is one of the largest financial institutions in the world.
John Deere has approved Allgood Outdoors to be a "credit partner." With several different financing options through John Deere Credit, you can hopefully find the one that will work for you and your landscaping needs.
FINANCING OPTIONS INCLUDE: 180 Days, No Monthly Payment *
If you intend to pay in full within six months, this is the plan for you. It's ideal for those who want to control their finances, paying a minimal amount for the privilege. Just pay 3% down and make no other payments for the first 180 days. Interest will accrue on your balance at 19.8% during the 180 day period. (Caution: Other companies may hide this administrative fee in your total price, but we disclose it so you know what you’re paying for). Pay your account in full within 180 days and interest will be waived! Apply online at www.Applynow.JohnDeereLandscapes.com and get an answer in seconds! *Offer expires November 16, 2008. Subject to approved credit on John Deere Credit Revolving Plan, for non-commercial use only. Amount financed may be subject to a minimum and maximum amount. If the balance is not paid in full by the end of the 6 month promotional period, interest will be assessed from the original date of purchase at 19.8% APR with a $0.50 per month minimum. Other special rates and terms may be available.
Or, Finance with John Deere at 7.9% with Low Monthly Payments*
You'll enjoy an attractive rate and lock it in for the entire term of the loan. This is a simple, convenient plan that will fit right into your household budget. Monthly payments estimated at $20 - $24 per $1,000 financed. Now that's money well spent. Monthly Payments are Equal to approximately 2% of the Amount Financed.
*7.9% Fixed APR through November 16, 2008 (this may fluctuate, but at Allgood Outdoors we will confirm current rates.)  We have already been notified that this rate will increase on November 17, 2008 so take advantage of this offer now! Subject to approved credit on John Deere Credit Revolving Plan, for non-commercial use only. Amount financed may be subject to a minimum or maximum amount. Payment based on 2.0% of original amount financed at 7.9% APR. A $0.50 per month minimum finance charge may be required. Other special rates and terms may be available.

In summary, we are always interested in helping our clients attain their landscaping goals.  Besides designing and building fantastic landscapes, that service can include helping homeowners secure the financing needed. Please call  or email if you have any suggestions or questions.

Email:  finance@allgoodoutdoors.com