Outdoor Lighting Financing Options.
Invest in a professionally designed outdoor lighting system with financing options that help you plan your project and payments.
Explore available financing through Regions Bank, compare the published terms, and begin the prequalification process online.
Same-as-cash financing. Accrued interest is waived when the loan is fully repaid within 180 days, subject to lender terms.
Published fixed-rate financing over 60 months, subject to approved credit and current lender terms.
Choose a Financing Plan That Fits Your Goals.
NightOak's published lender programs provide two different approaches: a shorter same-as-cash period or a fixed-rate repayment schedule.
Review the terms carefully before applying. Approval, rates, and eligibility are determined by the lender.
6-Month Same-As-Cash
An option for homeowners who expect to pay the financed balance within six months.
- Interest waived if the loan is fully repaid within 180 days
- Interest begins accruing when funds are disbursed
- Published standard fixed APR of 19.99% if interest is not waived, subject to applicable state limits and lender terms
- First monthly loan payment due 180 days after disbursement under the published terms
- Credit approval and minimum loan amounts apply
5-Year Financing at 9.99% APR
A fixed-rate option for homeowners who prefer scheduled monthly payments over a longer term.
- Published 9.99% fixed APR
- 60-month repayment term
- Fixed scheduled monthly payments
- First monthly payment due 30 days after funds are disbursed
- Published payment illustration of $21.24 per $1,000 borrowed
- Credit approval and minimum loan amounts apply
A Straightforward Path From Planning to Financing.
You can discuss financing during your lighting consultation or review the lender's programs before finalizing your project.
Discuss Your Project
Tell us about your property, lighting priorities, and investment range.
Review the Design
NightOak develops a custom lighting proposal based on your property.
Prequalify Online
Select a lender program and complete the secure application process.
Finalize Next Steps
Once financing arrangements and project approval are complete, installation can be scheduled.
See How a Project Could Fit Your Budget.
The 5-year financing program currently advertised on NightOak's website lists a fixed APR of 9.99% and 60 monthly payments.
The illustration uses the lender's published payment figure of approximately $21.24 per $1,000 borrowed.
Your actual loan amount, payment, eligibility, and terms must be confirmed by the lender.
Explore our outdoor lighting pricing guide →Example amount financed
Per month for 60 months, based on the lender's published payment factor.
Start With the Design. Then Explore the Payment Options.
Financing is one part of planning your investment. The system itself should reflect the architecture, landscape, and the way you use your outdoor spaces.
Outdoor Lighting Financing Questions & Answers.
Important details to consider before choosing a financing program.
Does NightOak offer financing for outdoor lighting projects?
NightOak advertises financing options through Regions Bank for qualifying outdoor lighting projects.
The published programs include a 6-month same-as-cash option and a 5-year fixed-rate option. Eligibility and loan approval are determined by the lender.
Is six-month same-as-cash financing the same as a zero-interest loan?
No. Under the published same-as-cash terms, interest begins accruing when loan funds are disbursed.
That interest is waived if the loan is repaid in full within 180 days. If the conditions are not met, interest charges may apply under the loan agreement.
Will prequalifying affect my credit score?
NightOak's current financing information describes prequalification as not affecting your credit score. However, later application or funding steps may involve additional credit review.
Confirm the current credit inquiry policy with Regions Bank before submitting an application.
How much would my monthly payment be?
The published 5-year 9.99% APR program lists approximately $21.24 per $1,000 borrowed for 60 months.
For example, financing $10,000 under those terms would produce an illustrative payment of approximately $212.40 per month. Actual payment amounts are determined by the lender.
Can I apply for financing before receiving my lighting proposal?
You can explore the available prequalification options while planning your project.
NightOak recommends scheduling a consultation so we can discuss the scope and prepare a project proposal.
Where can I learn more about outdoor lighting costs?
Visit our outdoor lighting pricing guide for an overview of the factors that affect project costs.
You can also explore our design and installation process to understand how NightOak develops a custom proposal.
Financing Terms & Disclosures
The following summarizes the financing disclosures currently published on NightOak's website. Financing programs, rates, eligibility, and terms are subject to change. Review the lender's current disclosures and loan documents before accepting an offer.
6-Month Same-As-Cash Financing
Credit and loans provided by Regions Bank, Member FDIC, 650 S. Main St., Suite 1000, Salt Lake City, UT 84101, on approved credit, for a limited time. Published fixed APR: 19.99%, not exceeding 15.99% for New Jersey residents or 17.99% for Florida and Wisconsin residents. Rates were stated as effective September 2025 and are subject to change.
Minimum loan amounts apply. Interest begins accruing when funds are disbursed and is waived if the loan is repaid within 180 days. Repayment terms vary from 18 to 126 months. Actual loan term may be shorter if less than the full approved amount is used.
First monthly loan payment is due 180 days after funds are disbursed. If no payments are made during the same-as-cash period, at 19.99% APR, published monthly payments vary from $20.65 to $28.53 per $1,000 borrowed depending on term. Minimum monthly payment is $50.
5-Year Financing at 9.99% APR
Credit and loans provided by Regions Bank, Member FDIC, 650 S. Main St., Suite 1000, Salt Lake City, UT 84101, on approved credit, for a limited time. Published fixed APR: 9.99%, subject to change. Minimum loan amounts apply. Interest begins accruing when funds are disbursed.
Repayment term is 60 months. Actual loan term may be shorter if less than the full approved amount is used. First monthly payment is due 30 days after disbursement. Published payment illustration: 60 monthly payments of $21.24 per $1,000 borrowed. Minimum monthly payment is $50.
NightOak Outdoor Lighting is not the lender. Loan approval, credit decisions, disclosures, and repayment terms are provided by Regions Bank.
Questions about current financing terms? Visit the applicable lender prequalification page above or contact Regions Bank before applying.
Plan the Lighting. Explore Your Options.
Start with a custom outdoor lighting consultation, review your project proposal, and explore financing options that may fit your budget.
Explore Your Financing Options.
Enter your estimated project investment, adjust your down payment, and compare financing scenarios. See how your estimated monthly payment changes before beginning the prequalification process.
Estimated interest over the 60-month repayment period.
Explore Financing → Schedule a ConsultationEstimates are for informational purposes only and do not constitute a loan offer, approval, or final project quote. Five-year payments are calculated using a fixed 9.99% APR over 60 months. Same-as-cash payoff targets are illustrative only and are not the lender's required monthly payment. Interest accrues under the six-month program and is waived only when the loan is fully repaid within 180 days under the lender's terms. All financing is subject to current lender terms, credit approval, and applicable loan minimums.