Resources
Landscaping Project Financing That Keeps Plans Moving
Bring Your Vision to Life, on Your Terms
Transforming your property is an investment in how you live, and with flexible landscape financing, you don’t have to wait to start. Gary Duff Designs partners with HFS Financial to offer convenient payment plans that make it easier to complete your entire outdoor project at once, so you can start enjoying your new space right away.
Designed for Simplicity. Built for Flexibility.
Your home deserves a complete transformation, not a project done in fragments. Through HFS Financial, we offer tailored financing options that help you:
Complete your full outdoor living project without delays or multiple phases.
Spread your project budget over time with fixed-rate payment plans.
Avoid repeated design, pricing, and construction disruptions.
Secure funds quickly — often within 48 hours.
Our financing process mirrors our design philosophy: simple, transparent, and focused on your goals.
A Smarter Way to Invest in Outdoor Living
Waiting to start your landscape project can mean higher costs later: materials, labor, and seasonal price shifts all add up. Financing through Gary Duff Designs and HFS Financial helps you complete your design today, without compromise.
Whether you’re investing in a custom outdoor living space, poolscape, or patio redesign, our team will help you explore the right financing options for your home and budget.
The HFS Financial Advantage
Personal loans up to $400,000 for home improvement projects.
Fixed interest rates based on credit.
Flexible terms up to 20 years.
No prepayment penalties.
Same-day responses and funding in as little as 48 hours.
100% direct-to-consumer lending.
Apply online in minutes, with no impact on your credit score during the inquiry process.
Our PROCESS
How to Get Started
Schedule a Design Consultation
01.
Meet with the Gary Duff Designs team to discuss your project vision and investment goals.
Apply Through HFS Financial
02.
Complete a quick, secure application online.
Receive Your Funds
03.
Funds are typically released within 48 hours, allowing construction to begin without delay.
Landscaping Project Financing Guidance from Gary Duff Designs
Paying for an outdoor project shapes what you can build and when. Here's how financing works on our projects.
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Gary Duff Designs partners with HFS Financial, a lender that specializes in landscape and outdoor living projects rather than general home improvement. Options include fixed-rate personal loans and payment plans structured around project size, with no prepayment penalties if you decide to pay the balance early. Because HFS understands how outdoor projects are scoped and phased, the terms tend to fit the work better than a generic loan product. Applying does not commit you to anything, and you are free to fund the project however you prefer.
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Financing applies to most landscape design and construction work, including patios, pools, outdoor kitchens, structures, plantings, and full-property transformations. A single-feature upgrade and a complete outdoor living build can both be financed, with the loan sized to the scope. Approval amounts depend on your qualifications rather than on which service you choose. Our team helps you match the funding approach to the project you actually want to build.
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The initial application through HFS Financial uses a soft credit inquiry, which does not affect your score. Approved applicants typically receive funds within 48 hours, which means design and scheduling can move forward without waiting on funding. A full credit check occurs later in the process only if you choose to proceed with a loan offer. Getting pre-qualified early is useful even if you are still deciding, since it tells you what range is realistic before design begins.
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Financing lets you build the complete design in one pass rather than in stages spread across several years. Phasing means repeating design, pricing, mobilization, and construction each time, and it exposes you to material and labor costs that rise between phases. A single continuous build also produces a more cohesive result, since grading, drainage, and utilities get resolved once instead of being reopened. Phasing remains a legitimate choice, and when clients prefer it we design the plan so later stages connect cleanly to the first.
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The first step is a design consultation at your property, where Gary Duff Designs walks the site and establishes realistic scope. Once the direction is clear, our team explains the financing options, coordinates with HFS Financial, and helps you move forward with a defined plan and number. Knowing your funding range before design begins keeps the plan grounded in what you actually intend to spend. Call 631-737-4229 or submit the contact form to schedule your walkthrough.
Enhancing The Quality Of Life Through Landscape Design
For five decades, the Duff family has been redefining outdoor living across Long Island, one purposeful, beautifully built space at a time.