Driveway Financing & Payment Options in South Florida
0% financing, HELOC, PACE, and contractor payment plans — how South Florida homeowners actually pay for a $15,000 driveway.
Cash, card, and contractor plans
Most driveways under $20,000 are paid in milestone deposits: 25% to schedule, 50% on material delivery, 25% on completion. We accept ACH, check, and card (3% processing on card).
Some contractors offer in-house 6–12 month no-interest plans. Ask exactly who's underwriting it and whether there's a hidden price premium baked in.
Third-party financing
GreenSky, Synchrony, and Hearth are the most common contractor-facing lenders. Rates 7–18% APR depending on credit. 0% promo periods (12–24 months) are common for qualified buyers.
HELOCs typically beat unsecured contractor loans on rate — currently 7.5–9.5% APR in Florida, with interest potentially deductible if used for a qualified home improvement. Talk to your tax advisor.
PACE and what to watch for
Florida PACE programs (Ygrene, Florida Green Finance) can fund permeable or stormwater-improving driveways with no money down, repaid through your property tax bill. Useful for permeable upgrades.
Read the fine print: PACE liens are senior to mortgages and can complicate refinancing or sale. Worth it for some, not for all. We'll walk through options during your quote.
Frequently asked questions
Yes — we partner with GreenSky and Hearth for qualified-buyer 0% promos and longer-term installment plans, alongside standard milestone payments.
Not as an expense, but it adds to your home's cost basis (reducing future capital gains). HELOC interest used for home improvement may be deductible — check with a tax pro.
Our standard deposit is 25% to schedule the job and lock the material price. Financed projects typically require nothing down.
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