Can You Get A Personal Loan For Landscaping in Australia?
We offer secured personal loans that can be used for your next most pressing personal expense, including that landscaping project you’re planning for your home.
Why Would I Need A Personal Loan For Landscaping?
Landscaping involves lots of expenses, from soil and edging to labour, turf and the hire of a roller, a garden shed, and stone or paving for pathways. Larger projects, like building a deck, installing a pergola or adding a water feature, can mean even more expenses.
For many homeowners, saving enough to cover landscaping costs can take years. With a personal loan, you can start landscaping right away and repay the lump sum over 12-24 months.
That means you don’t have to live with a muddy yard; you can get it sorted out right away. It’s a seamless solution for anyone in a new build or upgrading their home to sell.
You can make your garden look beautiful and start your plants growing, while also increasing your property’s long-term value.
How Much Does A Landscaping Project Cost In Australia?
Landscaping costs can vary widely depending on the size of your project, the materials you choose, and whether you hire professionals or do it yourself.
On average in Australia, landscaping costs (in 2025) look something like this:
Basic Landscaping
A basic landscaping project, including lawn replacement, planting small plants, and garden clean-ups, can start from around $2,000 to $5,000. The final price of your project will depend on the size of your yard, the materials you need to purchase and whether you DIY or hire an expert landscaper.
Medium-sized landscaping
A medium-sized landscaping project, which includes new turf, paving, or a small deck, can cost between $5,000 and $15,000.
Large-scale landscaping projects
A large-scale landscaping project can vary significantly in price. A large-scale landscaping project might include building retaining walls, pergolas, outdoor kitchens, or irrigation systems, and can cost $20,000 or more.
For many households, these upfront costs can be difficult to cover with savings, which is where a personal loan can help.
With Trusty Finance, you can borrow from $2,100 to $5,000, giving you the flexibility to fund a small project, or cover the shortfall if you are just shy of affording your dream yard.
When Can I Get A Personal Loan For Landscaping?
You can apply for a personal loan for landscaping any time that suits you. Trusty Finance’s application is all online, so as long as you have internet access, you can apply at any time.
Loan applications are reviewed on the same or next business day, and you will get an answer without delay. With certainty about where you stand and fast transfer of funds to your account, you can move forward. Book tradies, order supplies, or start work on your DIY landscaping project without delay.
If you apply for your loan on a weekend, your application will be considered on the very next business day.
Get a Personal Loan to Take Care of Your Landscaping with Trusty Finance
At Trusty Finance, we provide personal loans from $2,100 to $5,000 designed to be simple, flexible and accessible. Our fast application process makes it easy to get started, while our tailored repayment options ensure you can borrow with confidence.
Complete a small garden update or a major backyard transformation with our secured personal loans. Trust us to give you the financial boost to move forward.
FAQ
Can I get a personal loan for renovations?
Yes, when you meet the eligibility criteria. A secured personal loan can be used for many types of home improvements, including renovations, landscaping, and upgrades to your kitchen or bathroom.
Can you get a personal loan if you already have a home loan?
As long as you still meet the eligibility criteria, you can apply for a personal loan if you have a home loan. During our application process, we look at your overall financial situation, including income, expenses, and any existing commitments like your mortgage, to make sure your repayments are manageable.
What is a good credit score in Australia?
In Australia, a good credit score is between 625 and 999, depending on the credit reporting agency. At Trusty Finance, we also look at your income, your ability to make repayments, and your broader financial circumstances. This balanced approach helps us support more Australians in achieving their goals, whether it’s a renovation, landscaping project, or other personal expense.
The information provided in this article is general in nature and does not take into account your specific financial goals, situation, or needs. It is intended for informational purposes only and should not be considered financial, investment, or professional advice.
Before making any financial decisions or acting on the information provided, you should carefully consider whether it is appropriate for your individual circumstances. Trusty Finance does not provide personalised financial advice, and we recommend seeking independent financial, legal, tax, or other professional advice suited to your unique situation.
At Trusty Finance, we make borrowing simple with a quick online application and fast approvals. Get the funds you need with clear terms and no surprises.
