Offer finance for driveways

A smarter way to fund a new driveway

A driveway is more than a tidy entrance - it is a practical upgrade that can increase a home’s appeal and, in many areas, its estimated value. In 2025, typical UK driveway costs vary widely by material and site conditions. As a guide, expect around £60 per m² for basic gravel, rising toward £140-£180 per m² for higher-end resin or premium finishes. London and the South East usually sit at the upper end due to labour and access costs, while groundworks can be the deciding factor anywhere in the country. Excavation, sub-base, drainage and skips can add another £20-£100 per m² on challenging plots.

For many households, the result is a total project cost from a few thousand pounds to £8,000-£12,000 or more, especially for larger drives or premium resin surfaces. That range makes finance useful - it smooths cash flow while you choose the specification that suits your home. It also aligns with how many owners view driveways: as an investment in liveability and kerb appeal, with some analyses indicating that off-street parking can contribute a meaningful uplift to perceived property value.

Finance can also connect to new utility. If you own an EV or plan to, off-street parking is often the simplest route to charging at home. Many installers now prepare for EV readiness by laying ducting and reinforcing bases for charger posts. For urban homeowners, there is an additional angle: renting out your driveway during working hours or event days. Platforms that list private parking have grown quickly, with the highest daily rates in London and other city centres. In the right location, that side income can offset part of your monthly repayments.

The key is clarity. Understand the true cost per metre, allow a contingency for groundworks, and match the right finance product to the job size. Transparent examples, realistic terms and a quick eligibility check up front help you move from estimates to installation with confidence.

Who this guide helps

If you are planning a new driveway or upgrading a tired surface, this guide explains costs, finance options and what to expect on site. It is designed for homeowners across the UK, whether you need a small gravel parking bay or a full resin finish with drainage and EV-ready ducting. It is equally relevant if you are exploring rental income from your drive near stations, stadiums or city centres. By combining clear price ranges with practical finance tiers, you can choose a repayment plan that fits your budget and project scope.

Ways to pay - from small jobs to larger builds

1. Pay in full - savings or current account for smaller, straightforward jobs.

2. 0% or buy-now-pay-later for under £3,000 - ideal for minor repairs or compact gravel/bound surfaces.

3. Personal loans £3,000-£10,000 - fixed-rate instalments for mid-range resin or block paving.

4. Hire purchase or secured lending £10,000+ - larger footprints, premium finishes, complex groundworks.

5. Merchant point-of-sale finance - quick decisions at survey, often with promotional rates.

6. Split funding - part cash, part finance to keep monthly costs low.

The numbers that matter

Are you likely to qualify?

Lenders assess affordability rather than just the headline cost, so evidence of income, stable outgoings and a clean credit profile help. A typical driveway project falls neatly into the short to mid-range lending market, where fixed-rate personal loans are common for £3,000-£10,000. For larger footprints or complex groundworks, hire purchase or secured options may be available, sometimes at lower rates but with added responsibilities. If you are installing EV-ready ducting or a charger base, ask your installer for an itemised quote - clarity on materials and groundworks strengthens applications and reduces rework.

With Kandoo, you can check eligibility with a soft search to see indicative offers without affecting your credit score. Regional pricing is factored in - quotes in London, Surrey or city centres may include higher labour and access costs than elsewhere, so your finance amount should reflect a realistic total including contingency. Expect lenders to ask for proof of address, ID and bank details. If you plan to rent your driveway, remember that projected income is not guaranteed and should not be relied on solely for affordability.

From quote to completion - the simple path

1. Request local quotes including groundworks and drainage.

2. Decide surface type and EV-ready extras if needed.

3. Use Kandoo to check your eligibility and available tiers.

4. Select the lender, term and monthly budget that fit.

5. Provide ID and bank details for quick decisioning.

6. Finalise the loan and agree installation dates.

7. Contractor completes groundworks and lays your surface.

8. Inspect, snag and receive your completion documents.

What to weigh up

Read this before you sign

Driveway prices vary with site conditions, so insist on a written survey covering excavation depth, sub-base, drainage, edging and waste removal. Ask for regional labour assumptions and lead times. Include a contingency for hidden issues such as poor soil or unexpected services. If you are pairing the driveway with EV charging, plan duct runs and reinforcement at the outset - retrofitting usually costs more. On finance, compare total repayable amounts, not just the headline APR, and check early repayment rules and any promotional-term conditions. If you intend to rent out your drive, research local demand and event calendars so expectations are realistic. Choose installers with robust guarantees and clear aftercare.

If a driveway is not the only route

1. Resurface or repair existing drive - patching, sealing, re-sanding.

2. Part-width parking bay - compact solution where space is tight.

3. Permeable pavers only - phased approach before full replacement.

4. On-street parking permits - practical where local supply exists.

5. Shared access agreements - cost sharing with neighbours.

Frequently asked questions

Q: What does a typical UK driveway cost in 2025? A: Materials range from about £60 per m² for gravel to £140-£180 per m² for higher-end resin or premium finishes. Groundworks can add £20-£100 per m². Totals vary by size and site.

Q: Will a new driveway add value to my home? A: Off-street parking can make a property more attractive and some analyses point to a 5-10% uplift in perceived value. Outcomes depend on location, demand and overall condition.

Q: How do I choose between 0% deals and a personal loan? A: Under £3,000, 0% or buy-now-pay-later can work if you clear the balance in time. For £3,000-£10,000, fixed-rate personal loans provide predictable monthly payments.

Q: Can I rent out my driveway to offset repayments? A: In city centres and near venues, daily rates can be strong, especially around events. Income varies, so treat it as a bonus rather than the basis for affordability.

Q: What drives costs up the most? A: Groundworks. Poor drainage, deeper excavation, access limits and skip requirements often add significantly. Transparent surveys reduce surprises.

Q: Is an EV-ready driveway different? A: Ask for ducting for cabling and a reinforced pad or fixing points. Doing this during installation is usually cheaper than retrofitting later.

How Kandoo helps you move forward

Kandoo is a UK-based retail finance broker that connects you with a panel of lenders, so you can compare offers in minutes. Check eligibility with a soft search, pick terms that suit your budget, and fund your driveway - including EV-ready extras - with confidence. Clear examples, quick decisions and UK-focused partners keep your project on track.

Important information

All finance is subject to status and affordability. Terms, APRs and offers vary by lender and may change. Nothing here is financial advice. Always review the total amount repayable and any fees. For regulated credit, ensure materials comply with current UK consumer credit and FCA rules, and seek independent advice where appropriate.