Build Your Backyard Now, Pay Over Time
Flexible monthly payments through VistaFi, fast online approval, options for every budget, and no home equity required.
The yard you want, on a budget that works.
A great outdoor space is an investment in your home and your everyday life, and it should not have to wait. We partner with VistaFi so you can spread the cost into manageable monthly payments and start enjoying your backyard sooner. Getting pre-qualified takes a few minutes and will not affect your credit score.
Simple, Flexible, Low-Pressure
Options for Every Budget
Loan amounts that fit small refreshes up to full backyard transformations, with terms that keep monthly payments comfortable.
Fast Online Approval
Apply in minutes and often get a decision the same day. Checking your options does not affect your credit score.
No Home Equity Required
These are unsecured home-improvement loans, so there is no lien on your home and no appraisal to wait on.
No Prepayment Penalties
Pay your loan off early whenever you want without extra fees. You stay in control the whole way.
Three Simple Steps
Get Pre-Qualified
Apply on the VistaFi page in a few minutes. A soft check shows your options with no impact to your credit.
Review Your Offers
VistaFi brings back loan amounts, terms, and monthly payments from its partner lenders so you can pick what fits.
We Build, You Relax
Once you are approved, we get to work. You enjoy the project now and pay over time on a schedule that works for you.
Soft credit check, no impact to your score
Real Backyards, Built on a Payment Plan
Real Morales Outdoor Living projects, built for homeowners who financed instead of waiting to save up.
A Builder You Can Trust
Imagine Pools
Authorized Dealer & Contractor
Outdoor Elements
Authorized Dealer
Techo-Bloc PRO
Authorized Installer
Licensed & Insured
TN #77919
Google 4.9★
40 Reviews
Brands We're Trusted to Build With
Frequently Asked
Who provides the financing?+
We work with VistaFi Solutions, a home-improvement lending consultant that matches you with lenders from its partner network. To be clear about who is who: VistaFi is not a lender, and neither is Morales Outdoor Living. The loan itself comes from one of VistaFi's partner lenders, and that lender sets your rate and terms. We simply make it easy to apply so you can move forward on your project sooner.
Will applying hurt my credit score?+
No. Getting pre-qualified through VistaFi uses a soft credit pull to show your options, which does not affect your credit score. A hard inquiry only happens if you choose to move forward with a specific loan.
Do I need home equity to qualify?+
No. These are unsecured home-improvement loans, so they do not require home equity, an appraisal, or a lien on your property. Approval is based primarily on your credit and income.
What can I finance?+
Any of our work, pools, hardscaping, decks, outdoor kitchens, pergolas and aluminum covers, artificial turf, or a complete backyard build. Many homeowners finance the whole project so they can do it all at once instead of in phases.
What are the rates and monthly payments?+
Your rate and term are set by the partner lender you are matched with, based on your credit, loan amount, and term length, so they vary by applicant. We do not quote rates or monthly payments ourselves, because any number we made up here would be a guess about your credit. The fastest way to see real numbers for your situation is to get pre-qualified, it only takes a few minutes and will not affect your credit.
Ready to Get Started?
Get pre-qualified with VistaFi, then let's design the backyard you've been picturing. We handle the rest.
Not Ready to Apply Yet?
Tell us about your project and we will help you sort out financing and design together.
Financing is provided through VistaFi Solutions' partner lenders and is subject to credit approval. VistaFi Solutions is not a lender, and neither is Morales Outdoor Living. Loan amounts, rates, and terms are set by the lender and vary by applicant based on creditworthiness. Pre-qualification uses a soft credit inquiry that does not affect your credit score; a hard inquiry may occur if you proceed with a specific loan offer.