Driveway & Hardscape — $0 down financing
A new driveway, pavers, or walkway that upgrades your curb appeal — with $0 down and no payments for 12–18 months.
- Licensed
- Insured
- Financing options
- $0 down
$0 down financingFlorida's heavy seasonal rain makes proper grading and permeable paver drainage genuinely functional — a driveway that handles water, not just one that looks good.
Your driveway is the first thing anyone sees when they pull up to your home, and in South Florida it's also one of the hardest-working surfaces on the property. It takes the full brunt of subtropical sun, daily afternoon downpours, the weight of vehicles, and the slow swelling and shifting of sandy, high-water-table soil underneath. A cracked, faded, oil-stained, or sinking driveway drags down the look of an otherwise well-kept house — and a poorly drained one can quietly push water toward your garage, foundation, and entryway. A new driveway or paver walkway is one of the most visible upgrades you can make, and one of the few that improves both how your home looks and how it handles Florida's weather.
APEX Project matches Miami-Dade and South Florida property owners with vetted, licensed driveway and hardscape contractors, and arranges financing so the cost doesn't have to come out of pocket all at once. We are not a contractor ourselves and we are not a lender — we connect you with a single accountable pro who handles the job from demolition through the final finish, and we help you cover it through a $0-down consumer financing program with no payments for the first 12 to 18 months, followed by low monthly payments. There's no upfront cost to get matched and no obligation to move forward.
Because a driveway is a curb-appeal and surface-replacement project rather than an energy-efficiency or hurricane-hardening improvement, it generally does not qualify for Florida's property-tax PACE financing — so we're upfront that this is handled through a standard consumer program, not a tax-bill or grant arrangement. The one honest exception worth raising: if your real problem is stormwater or flood drainage, some Florida programs treat resilience and drainage work differently, and we'll flag it to check rather than assume. Either way, you get a clear, honest path to a driveway that looks great and actually manages water the way a Florida driveway needs to.
Why it matters in Florida
South Florida's climate is unusually tough on driveways. Daily summer thunderstorms dump intense rain in short bursts, so grading and drainage aren't cosmetic details — they decide whether water sheets safely off the surface and away from your home, or pools against the garage and seeps toward the foundation. The region's sandy soil and high water table also mean a slab can settle, heave, or crack over time if the base wasn't prepared properly, which is why proper sub-base compaction and the choice between poured concrete and interlocking pavers matters so much here. Relentless UV sun bleaches and degrades surfaces faster than in cooler climates, and salt air near the coast accelerates wear on lower-quality finishes. That's exactly where permeable and drainage-friendly options earn their place in Florida. Permeable pavers let rainwater filter through the surface and into the ground instead of running off, which reduces standing water, eases pressure on your yard's drainage, and can help with local stormwater requirements. Pavers also have a practical Florida advantage: an individual unit that cracks or sinks can be lifted and reset rather than requiring a full slab to be jackhammered out. A driveway built for this climate isn't just about curb appeal — it's a surface designed to take the heat, the rain, and the soil it actually sits on.
Why homeowners choose this
Major curb-appeal upgrade
A clean, modern driveway and matching paver walkway are among the most visible improvements you can make — they reset the entire first impression of your home and tend to lift its perceived value.
$0 down to start
You don't need cash upfront. The consumer financing program covers the project from day one, so a cracked or sinking driveway can be replaced now instead of waiting until you've saved for it.
No payments for 12–18 months
The program defers payments for the first 12 to 18 months, giving you breathing room before low monthly payments begin — useful for spreading the cost of a larger hardscape project.
Drainage built for Florida rain
Proper grading and permeable paver options mean your driveway actively manages heavy seasonal downpours, steering water away from your garage, entry, and foundation instead of letting it pool.
One vetted, licensed contractor end to end
We match you with a single accountable pro who handles demolition, base prep, and the finished surface — no juggling multiple crews or wondering who's responsible for what.
Materials chosen for the climate
Concrete for low maintenance, pavers for looks and repairability — your matched contractor recommends what holds up best to Florida sun, rain, and soil for your specific home.
From match to done
- 1
Tell us about your project
Share a few details about your driveway or hardscape goals — replacement, widening, a new paver walkway, or fixing a drainage problem. There's no cost to get matched and no obligation.
- 2
Get matched with a vetted contractor
We connect you with a licensed, vetted driveway and hardscape contractor who serves your area in Miami-Dade or South Florida. They handle the project from demo through finish.
- 3
On-site assessment and honest options
The contractor evaluates your existing surface, soil, grading, and drainage, then walks you through realistic options — concrete versus pavers, layout, and whether permeable materials make sense for your lot.
- 4
Review financing and approve the scope
We help you set up the $0-down consumer program — no payments for 12 to 18 months, then low monthly payments. You see the scope and terms clearly before anything begins.
- 5
Build and final walkthrough
The crew demolishes the old surface, prepares and compacts the base, installs your new driveway or hardscape, and walks the finished work with you to confirm it's done right.
What's included
- Full driveway replacement in poured concrete or interlocking pavers
- Demolition and removal of the existing driveway or slab
- Sub-base excavation, grading, and proper compaction for Florida soil
- Paver walkways, entry hardscape, and front-of-home accents
- Driveway widening and extension for extra parking
- Permeable / drainage-friendly resurfacing and material options
- Grading correction to direct water away from the garage and foundation
- Edge restraints, jointing sand, and a final cleanup and walkthrough
$0-down financing for your Driveway & Hardscape
Driveway and hardscape projects are financed through APEX's $0-down consumer program — not Florida's PACE property-tax program. PACE under Florida statute s.163.08 is reserved for energy-efficiency, renewable-energy, and wind/hurricane-resistance improvements, and a driveway is none of those, so it falls outside PACE in the standard case. The consumer program means you pay nothing upfront, make no payments for the first 12 to 18 months, and then make low monthly payments over the financing term. APEX arranges this financing through third-party lending partners; we are not the lender, and approval and exact terms depend on the lender's eligibility criteria. To be clear and honest about what this is: the consumer financing program is a loan you repay — it is not free, not a grant, and not added to your property-tax bill. The one nuance worth raising with us directly: if your project is specifically about stormwater management or flood/drainage mitigation rather than a cosmetic resurface, some Florida programs treat that resilience work differently, and certain drainage components could open up other financing paths. We'll flag it to verify rather than promise it — most driveway projects will simply run through the standard $0-down consumer program.
$0
down payment
12–18 mo
no payments
Low
fixed monthly
Cost varies widely by square footage, material, demolition needs, and how much grading or drainage work your lot requires. As an illustrative range only — not a quote — a standard residential concrete driveway replacement often runs in the low-to-mid five figures, while paver and permeable-paver installations typically sit higher because of the material and labor involved. Removing an old slab, correcting drainage, or widening for extra parking adds to the total. Your matched contractor provides an actual quote after seeing the property; financing spreads whatever that number is into low monthly payments after the 12–18 month no-payment window.
APEX is not a lender, contractor, or PACE administrator; financing is provided by third parties and subject to eligibility.
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Driveway & Hardscape — questions
Can I use PACE financing for a driveway?+
Generally no. PACE in Florida is limited to energy, renewable, and hurricane-resistance improvements, and a driveway doesn't fall into those categories. We finance driveways through our $0-down consumer program with no payments for 12 to 18 months. The one exception: if your project is specifically about stormwater or flood drainage, ask us — some programs treat resilience and drainage work differently, and we'll verify rather than guess.
Should I choose pavers or concrete?+
Both are good Florida options with different trade-offs. Concrete is lower-maintenance and usually less expensive up front. Pavers offer more curb appeal, better drainage with permeable options, and a real practical edge here — a single cracked or sunken paver can be lifted and reset, while a damaged concrete slab often has to be cut out and re-poured. Your matched contractor will recommend what fits your home, soil, and budget.
What does $0 down actually mean?+
It means you don't pay anything out of pocket to start the project. The consumer financing program covers the cost from day one, with no payments due for the first 12 to 18 months, followed by low monthly payments. It is a loan you repay — not free money and not a grant — but it lets you replace the driveway now instead of waiting to save up.
Why does drainage matter so much for a Florida driveway?+
South Florida gets intense, frequent rain, and a driveway with poor grading can channel water toward your garage, entryway, or foundation. Proper grading directs water away from the home, and permeable pavers let rain filter into the ground rather than pooling or running off. In a climate this wet, drainage isn't a luxury feature — it's what keeps a good-looking driveway from becoming a water problem.
How long does a driveway project take?+
Most residential driveway replacements take several days to about a week once work begins, depending on size, material, and how much demolition and base prep is involved. Concrete also needs curing time before you can drive on it, while pavers can typically bear traffic sooner. Your contractor will give you a realistic timeline for your specific project after the on-site assessment.
Do I need a permit to replace my driveway in Miami-Dade?+
Driveway and hardscape work often requires a permit, especially when it affects drainage, the right-of-way, or impervious surface coverage. Requirements vary by municipality within Miami-Dade. A vetted, licensed contractor handles pulling the proper permits and building to code as part of the job — that's one of the reasons matching with a licensed pro matters.
Can you just widen or extend my existing driveway?+
Yes. Widening for an extra vehicle, extending the apron, or adding a parking pad are common projects, and they can be done in matching concrete or pavers. Your matched contractor will assess how the addition ties into the existing surface and grading so it looks intentional and drains correctly rather than creating a new low spot.
Is APEX the contractor doing the work?+
No. APEX is an independent matching service — we connect you with a vetted, licensed driveway and hardscape contractor in your area and help arrange financing. We are not a contractor, lender, or PACE administrator. The licensed pro you're matched with is the one who performs and stands behind the work.
On your side — not the contractor's.
We're independent
Not a builder. We match you to the right contractor for your job — our incentive is your result.
Vetted network only
We work with licensed, insured, vetted Florida contractors.
Free for you
Our matching service costs property owners nothing.
Local to Miami
Miami-Dade specialists who know the permits and programs.
Ready to upgrade with $0 down?
Tell us about your project and we'll match you with the right contractor and financing.