Loan management
How to manage a short-term loan
Setting up autopay, making overpayments, changing your repayment date, and getting the most from your loan without extra cost.
5 min read → Garden & outdoor
Garden & landscaping loan
A new garden design, decking, fencing, or outdoor space transformation can add value to your home. A Cash Train loan funds the work without emptying savings.
Apply now →Unregulated lender • Apply online — decision in minutes
Typical project costs
What does garden work cost?
Garden landscaping
£1,000–£5,000
Full redesign including hard landscaping, planting, turf, and a water feature or outdoor seating area.
Decking or patio
£800–£3,000
Composite decking or a natural stone patio with base preparation and edging. Labour makes up most of the cost.
Fencing replacement
£400–£1,500
Full garden perimeter fence replacement. 25–30 metres at £15–£25 per panel plus posts and fittings.
Artificial turf
£500–£2,500
Zero-maintenance synthetic lawn. Includes membrane, base preparation, and professional installation.
Costs are UK market estimates. Always get at least two written quotes. Prices vary by region, materials, and site conditions.
Loan options
Match the loan to the project
Quick
£100–£500
1–3 months
A fence panel replacement, specific garden feature, or materials top-up.
Apply now →Plus
£2,000–£5,000
6–24 months
Full garden landscaping project or extensive hard landscaping.
Apply now →
Simple process
How it works
Step 1
Register
Tell us how much you need and what for. Registration takes a few minutes and there's no commitment at this stage.
Step 2
Fast decision
We'll assess your application quickly. You'll get a clear decision and know exactly what your monthly repayments will be.
Step 3
Money to your account
Once approved and agreed, the funds are sent directly to your bank account so you can pay your contractor or buy materials.
Common questions
Garden loan FAQs
A well-maintained, attractive garden can add 5–10% to a property's sale price according to RHS research. For rental properties it reduces void periods.
Most garden work doesn't require permission. Exceptions: walls or fences over 2m, decking over 300mm above ground, or outbuildings exceeding permitted development limits. Check your local planning authority.
BALI (British Association of Landscape Industries) and APL (Association of Professional Landscapers) accredited contractors. Get 3 quotes, check insurance, and never pay the full amount upfront.
Hard landscaping (decking, patios, walls) generally benefits from professional installation for drainage and structural reasons. Planting and turfing are realistic DIY projects for most people.
Ready to transform your outdoor space?
Apply online — get a fast decision with fixed monthly payments.
Apply now →Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk