Outdoor Kitchen Loans

Outdoor Kitchen Loans

What does your dream outdoor kitchen look like? Beautiful bricks or pavers? Mosaics or natural stone? Granite countertops or sleek custom concrete? An old-school charcoal smoker grill or a modern natural gas stove? Whatever design dominates your wildest dreams, HFS Financial can help you find the right loan to make it happen!

Why Build an Outdoor Kitchen in Your Backyard

Building an outdoor kitchen is a great way to increase the value of your home, enhance your outdoor living space, and create an area that is perfect for entertaining friends and family. Outdoor kitchens come in a variety of different styles and configurations – from simple grill stations to full-service kitchens with built-in appliances and seating areas. 

One of the main benefits of building a kitchen in your backyard is that it allows you to enjoy the great outdoors while still having all the comforts of a traditional indoor kitchen space. You can cook and entertain your guests while enjoying all the fresh air and beautiful scenery that your backyard has to offer. Additionally, backyard kitchens can be a great way to expand your living space and create a gathering place that is separate from your indoor living areas.

How Much Does an Outdoor Kitchen Cost?

Depending on how simple or extravagant your outdoor kitchen is, the cost to build an outdoor kitchen could range from a couple thousand to nearly $100,000. However, the average cost seems to stay around $15,000 – $30,000.

The cost to build an outdoor kitchen can vary greatly depending on several factors: the size of the kitchen, the materials used, the appliances installed, contractor labor costs, and permit fees. With HFS Financial, financing options are available to help make the cost more manageable for customers. It’s important to consider the long-term benefits of having an outdoor kitchen, including increased home value and the ability to entertain and cook outdoors. By working with HFS Financial’s financing experts and carefully planning the design and materials of your new space, you can create a beautiful and functional outdoor kitchen that fits your budget and lifestyle.

In order to budget how much your outdoor kitchen will cost, first you need to know everything you would like included in the build.

What Your Outdoor Kitchen Needs

Outdoor Kitchen Loans

Outdoor kitchens range from a simple cooktop with a sink to a large area that includes a professional-grade grill, an outdoor fireplace, lots of open-air diner-style seating, and all the bells and whistles of an amazing indoor kitchen. 

Some appliances and tools you may consider putting in your new outdoor kitchen include:

  • A grill: What’s an outdoor kitchen without a grill? There are many grill options to choose from like gas, charcoal, wood, pellet, dome smokers, barrel smokers… the list goes on and on. Be sure to do your research and choose your favorite.
  • A refrigerator or mini fridge: Perfect for keeping drinks cool and handy and having plenty of snacks on hand, a refrigerator is a must-have. Depending on how much and how often you plan on using your outdoor kitchen, you could go with either a full-sized fridge or a mini one. If you are a drink lover, you may even consider an under-counter cooler.
  • A warming drawer: A simple luxury, a warming drawer keeps food warm and ready until it’s time to serve. 
  • A sink and/or dishwasher: Whether you need to wash your hands after handling fresh meat, rinse off vegetables and fruit, or clean your cooking utensils, a sink sure comes in handy in an outdoor kitchen. If you want added convenience, consider installing a dishwasher as well.
  • A trash compactor or garbage bin: This makes kitchen cleanup a breeze. 
  • A compost bin: if you have a backyard garden, having a compost bin is a good use for food scraps.
  • Storage for utensils: Instead of having to carry all your utensils back and forth from inside the house, have a set exclusively for your outdoor kitchen.
  • Lighting: A well-lit outdoor kitchen not only means you can enjoy grilling after dark, but it also offers an added level of safety. It’s important to be able to see what you are doing when you’re cooking.

Your outdoor kitchen will also need protection from the elements as well as some shade, so it’s possible you will want to build a pavilion or pergola to cover the area. 

You’ll also need a way to sit and enjoy the meals you cook, so you will need patio furniture like a dining table and chairs. Or, if you would like your outdoor kitchen to have a bar countertop, incorporate some barstools to provide seating. For added flair and warmth during the cooler season, including an outdoor fireplace in your beautiful kitchen plans.

An outdoor kitchen loan helps you invite over more time with friends and family.

How to Design an Outdoor Kitchen

When it comes to designing your outdoor kitchen, the options are virtually endless. You can choose from a wide range of materials, including natural stone, brick, granite, Corian®, stainless steel, or custom concrete to create a kitchen that is both functional and visually appealing. Add lighting for ambiance to set the stage for incredible outdoor experiences. You can also incorporate a variety of other features. Outdoor appliances and in-kitchen entertainment like television or audio help create a space that is tailored to your specific needs and preferences.

Also, consider the layout and location of your outdoor kitchen. You’ll need easy access to the house for carrying out ingredients, so you don’t want to put it too far away. It should also be laid out in such a way that makes cooking and serving a breeze. Keeping it near the action without being in the way will mitigate foot traffic without making your kitchen too secluded. Be sure the spot you choose is well-ventilated too.

Find the perfect outdoor kitchen loans at HFS Financial.

Get an Outdoor Kitchen Loan with HFS Financial

Are you considering building an outdoor kitchen? You can make the most of your exciting plans with HFS Financial. With flexible financing options and competitive interest rates, HFS Financial can help you get the funds you need to create the outdoor kitchen of your dreams. Whether you are looking to build a simple high-quality grill station or a full-service kitchen, working with HFS Financial is key to making your outdoor dreams come to life.

How HFS Works

HFS Financial works with consumers to obtain loans that fit their needs and budget. You’ll find low fixed rates and the best loan terms in the industry on outdoor kitchen loans to help enhance your outdoor space. We assist with outdoor kitchen financing, as well as any other backyard or home improvement projects you’ve got planned, allowing you to build your favorite spaces at home with ease.

Along with funding for the whole project, HFS Financial’s up to 120% financing helps cover unexpected costs that often come up in any home improvement project. You’ll never have to worry about unforeseen expenses. Plus, all funds are given directly to you, the customer, so you don’t have to jump through hoops or mounds of paperwork, bank approvals, and staged fund releases to finance your outdoor kitchen project. 

Upon inquiry approval, you’ll be connected with a loan consultant who will walk you through the rest of the application process and help find the best financing to meet your project needs. Your loan consultant will be with you every step of the way to answer any questions you may have. You’ll never be lost in the loan process with HFS!

Our inquiry form takes only 60 seconds to complete. With HFS, there’s never any risk in seeing if an outdoor kitchen loan is right for you.

Once your loan is approved and funding is ready, it’s time to make your outdoor kitchen dreams a beautiful reality. Take the first step to get started. Apply today and see what HFS Financial can do for you. “You Dream It, We Finance It.”

How the Loan Process Works

Step 1.

Apply For A Loan

Does NOT affect your credit, get same day answers

Step 2.

Speak To A Loan Consultant

Get instant loan answers OR speak with a loan consultant

Step 3.

Provide Documentation

Securely upload some basic documents for loan verification

Step 4.


Most loans fund within 48 hours