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Transforming your backyard into a useful, functional space, can be relatively inexpensive and easy with the proper tools and instruction. To make the process even simpler, we compiled a list of easy DIY backyard landscaping ideas to transform your backyard into a functional and stylish oasis.  After getting your backyard in shape, transform the rest of your lawn with these landscaping tips.

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Consolidate your backyard– Consolidate space in your backyard by adding in pieces that serve multiple purposes. For example, add a stylish weatherproof table that does double duty as a plant stand and buffet for food and drinks when friends stop by for a backyard party.


Camouflage your deck’s legs- If you have a high deck, camouflage its legs by adding plant beds around the perimeter. Plants that work well for concealing large spaces include tall perennials such as ornamental grass, sedum, and Black-eyed Susan.

Outdoor Living

Create an outdoor living area- Turn your backyard into an outside living area by adding a few pillow-packed Adirondack chairs, an outdoor colorful rug, large pots, and end tables. You can even add a canopy to provide shade if desired.


Create a path- Paths are relatively inexpensive to make, and they typically cost $60 or less if you shop smart and do it yourself! Click here to discover how to create a DIY stone walkway for only $36!

Fire Pit

Add a fire pit- Adding a fire pit to a backyard can instantly add curb appeal and is a great way to entertain family and friends on a chilly summer night. They are also easy and inexpensive to make yourself. Check out this great video tutorial by Lowe’s explaining how to create your own fire pit in a few simple steps.


Make your fence multi-functional– If you have a fence, and a smaller yard, add decorative mirrors to make your yard look larger while adding some flare. In addition, if you have kids, consider mounting a chalkboard (Learn how to make one yourself) to your fence to create a fun and interactive activity. Thinking about adding a fence to your yard, but not sure where to start? Check out our Fence Buying Guide.

Tree Stump Planter

Repurpose old tree stumps– Transform a tree stump into a table or planter to add functionality and inexpensive decorative pieces to your yard. Discover tree stump ideas and how-to’s.

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Planning some bigger landscaping projects this year? Maybe you want to add a new pool, deck, or shed to your backyard, but don’t have the extra funds to make it happen. Don’t stress; Mariner Finance can help! Contact your local branch or apply today to get extra money for all your home improvement needs!

Blog posts are for informational purposes only.

†We offer personal loans from $1,000 to $25,000, with loans terms from 12 to 60 months. Minimum and maximum amounts dependent on an applicant’s state of residence and the underwriting of the loan. Loans between $1,500 and $15,000 may be funded online. Loans greater than $15,000 or less than $1,500 are funded through our branch network. Specific interest rates and fees are determined as permitted under applicable state law and depend upon loan amount, term, and the applicant’s ability to meet our credit criteria, including, but not limited to, credit history, income, debt payment obligations, and other factors such as availability of collateral. Not all rates and loan amounts are available in all states. Additional fees may apply to some loan offers; some state required and/or permitted fees may be treated as prepaid finance charges. Any such charges shall be in addition to the loan amount requested and/or approved and shall be fully disclosed to the applicant on his/her loan agreement. Not all applicants will qualify for the lowest rates or larger loan amounts, which may require a first lien on a motor vehicle not more than ten years old titled in the applicant’s name with valid insurance. Our loan by phone and online closing process requires a compatible mobile or computer device on which you can access your email and electronic documents. Not all loan types are eligible for loan by phone or online loan closing.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.


For any stated annual percentage rate (“APR”), the APR represents the cost of credit as a yearly rate and will be determined based upon an applicant’s credit at the time of application, subject to state law limits. A range of APR’s may be applicable, subject to state law limits and individual underwriting. Not all applicants will qualify for a lower rate. APR’s are generally higher on loans not secured by a vehicle, and the lowest rates typically apply to the most creditworthy borrowers. All terms and conditions of a loan offer, including the APR, will be disclosed during the application process. As an example, with an amount financed of $5,000.00 the borrower receives $5,000.00 at an APR of 29.99% and an interest rate of 28.77% which includes a finance charge of $3,640.96. Under these terms, the borrower would make 48 monthly payments of $180.02, for a total of payments of $8,640.96. The amount financed may not be the net proceeds paid if charges other than interest are included in the loan.


*The process uses a “soft” credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process online and accept a loan offer, or are referred to a branch and continue your application there, we will pull your credit report and credit score again using a “hard” credit inquiry. This “hard” credit inquiry may impact your credit score.



California Residents: Loans made or arranged pursuant to a California Financing Law license.

VA Residents – Mariner Finance of Virginia, LLC, Licensed by the Virginia State Corporation Commission, Consumer Finance Company License No. CFI-114.


Mariner Finance, LLC, NMLS No. 166564 (
8211 Town Center Drive, Nottingham, MD 21236. Telephone Number 877-310-2373.

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