From $260 a month.

Flexible financing options for qualified buyers — depending on your borrowing profile, you may be able to finance up to 100% of your project. Most customers are surprised how affordable a backyard pod can be.

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How it works

Three simple steps.

Pre-qualify

A soft check that won’t affect your credit — see what you qualify for in minutes.

Choose your pod

Design your pod and lock your price with a $500 refundable deposit.

Combine financing

Borrow against the combined value of your home and your new pod. Strong borrowers may qualify to finance up to 100% — final amounts depend on the lender and your credit.

Payment calculator

Estimate your monthly payment.

Pod price

$47,990

Down payment

20%

Term

20 years

Rate (APR)

This is an illustrative example only — not an offer or a guarantee of financing. The figures above are sample assumptions; your actual price, down payment, rate, and term depend on the lender, your credit, and your individual situation. Terms are available up to 30 years, and qualified buyers may finance up to 100% of their project. All financing is subject to lender approval.

Estimated monthly

$321

example only · 20% down · 8% APR · 20-yr

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Your options

Three ways to finance.

Whatever fits your situation — we’ll point you to the right path.

Acorn financing

Acorn is built right into our project-management software. When you receive your estimate from us, a link to apply with Acorn is right there.

It starts with a soft credit pull — no impact to your score — that gathers offers from multiple lenders. Depending on your credit score and debt-to-income ratio, you’ll see a range of offers. Pick the one that works best, and the cash is sent directly to you to pay for your Backyard Pod.

Home-equity loan

We’re happy to introduce you to our home-equity loan partners. Depending on the available equity in your home and your borrowing profile, you may be able to take out a home-equity loan and use those funds to pay for your pod.

Loan amounts, rates, and terms are set by the lender and depend on your equity, credit, and individual situation. Backyard Pod is not a lender and does not guarantee approval.

Construction financing

We can also introduce you to our construction-financing partners. Depending on your borrowing ability, you may be able to finance a large share of your project — in many cases up to 100% — measured against the combined value of your home and the new pod. Once construction wraps, it typically rolls into a long-term mortgage with terms up to 30 years.

Illustrative example only: a $500,000 home plus a $50,000 pod is a combined $550,000. A borrower with a strong profile might finance most or all of the pod against that combined value. This is a simplified example, not a quote or an offer — your actual loan amount, rate, and term are determined by the lender based on your credit and individual situation.

Questions

Financing FAQ.

What credit score do I need?

It varies by lender and product, but many of our customers qualify with good-to-average credit. Pre-qualifying is a soft check that won’t affect your score.

How much do I need to put down?

Often around 20%, but it depends on the financing product and your situation. Some home-equity options require little or nothing down.

Can I finance the whole project?

Often, yes. It really comes down to your borrowing ability — buyers with a strong credit and financial profile can sometimes finance up to 100% of their project, and utilities and permits can usually be rolled in. The exact amount you qualify for is determined by the lender based on your credit and individual situation, so it varies from person to person.

How long are the terms?

Terms vary by lender and product and can run up to 30 years, which helps keep the monthly payment low. Shorter terms are available if you’d rather pay it off faster. Your available terms depend on the financing product and your qualification.

Important financing disclosure

Backyard Pod is not a lender, bank, or financial advisor. We introduce customers to independent third-party financing partners; we do not make credit decisions and cannot guarantee approval, a specific loan amount, rate, or term. All figures, monthly payments, percentages, and examples shown on this page are illustrative estimates only — they are not offers, quotes, or promises of financing.

Everything about your financing — including whether you can finance up to 100% of your project, and whether terms up to 30 years are available — depends entirely on your individual credit score, income, debt-to-income ratio, home equity, and overall financial situation, and is subject to the lender’s approval and terms. Your actual results will differ. Please review any loan offer carefully and consult your own financial or tax advisor before borrowing.

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Get pre-qualified in minutes — it won’t affect your credit.

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