Can You Finance a Fence?

Fences provide extra security and enhance your property’s curb appeal, but installation costs can be daunting sometimes. If you’re wondering if you can finance a fence, we share the answer below. There are many cost-effective ways to finance your fence project without breaking the bank. Financing options allow you the opportunity to accomplish your dream fence without having to wait.

In this blog post, we will explore various financing options that fencing companies offer and other available payment methods as well. We’ll also take a closer look at the factors influencing the cost of a fence. Lastly, you’ll learn valuable tips for weighing options that fit your needs.

The Cost of Fencing

Before we dive deeper into financing your fence, it’s important to know the factors that affect the cost of fencing. Here are the factors that influence the cost of fencing below:

• Type of Material – The cost of a fence is mainly determined by the type of fence and the material used. Choosing a heavier and sturdier material means a higher price tag.
• Fence Length and Height – Naturally, the taller or longer you want your fence to be means more materials, which means the fence will cost more. Also, check your local laws for regulations on fence height and length. This also can affect the cost of your project.
• Additional Features (Gates, decorative elements, etc.) – Extra features like gates, decorations, and security upgrades can make your project more expensive. Fancy patterns, special finishes, and added security options like keypad gates or privacy slats will also raise the total expense.

To give you a bird’s eye view of the cost of fencing, here are the average costs depending on the type of material used.

Ultimately, it’s totally up to you to choose the fence material that suits you best. If you’re on a tight budget, chain-link and wood fences are your cheaper choices. But remember, even though they might cost less upfront, you might end up spending more on maintenance in the long run.

On the other hand, vinyl and aluminum or steel may cost more initially but they’re low-maintenance options that can save you money in the long run. Vinyl is durable, easy to clean and doesn’t require any painting or staining. Aluminum is also low-maintenance and resistant to rust and corrosion.

Can You Finance a Fence?

Yes, you can finance a fence and there are many different financing options. Most homeowners will use the financing options provided by their local fencing company or a private lender when installing a new fence. Other options include programs from your preferred fence retailers and installers and also through Home Equity Loans and Home Equity Lines Of Credit (HELOC).

Financing a Fence with Top Rail Fence

Top Rail Fence proudly partners with Wisetack and Acorn. Through these partnerships, our customers can get the following financing benefits:

• Financing for all jobs: No job is too big or too small. You can get financing ranging from $500 to $25,000 with flexible terms from 3 to 60 months.
• Tailored choices for your requirements: APRs can go as low as 0% for eligible customers, and they can choose from up to 6 monthly payment options.
• Quick and simple: You can explore options in less than a minute, and checking eligibility won’t affect your credit score.
• Transparency: No hidden fees, no penalties for early payment, no origination fees, late fees, or compounding interest.

Steps to Start Your Financing Journey with Top Rail Fence

• Contact your local Top Rail Fence and they will provide you with a link to the form to complete to start the process of financing your fence.
• If you get approved, you’ll see options with clear details on monthly payments and total costs. Pick the one that suits you.
• Once done, your service provider gets the full payment, and you can pay over time. It’s that easy.

Alternative Financing Methods

• Home Equity Loan – A home equity loan allows you to borrow money using your home as collateral, but there’s a limit. Usually, lenders restrict the loan-to-value (LTV) ratio to 85%, meaning you can’t borrow against the entire value of your home. Similar to a personal loan, a home equity loan comes with fixed rates, terms, and monthly payments.
• Home Equity Line Of Credit – A home equity line of credit (HELOC) is similar to a credit card. It lets you use your home’s equity like a flexible credit line, allowing you to borrow money when needed instead of receiving a single lump sum. HELOCs often have changing interest rates, and homeowners can usually borrow up to 90% of their home equity.

Conclusion

In conclusion, financing your fence involves understanding the influencing factors, exploring various financing options, and knowing the average costs based on materials. The average costs based on material provide a helpful benchmark, but your decision still depends on your needs or preferences.

Whether you choose traditional methods, credit cards, personal loans, or specialized financing programs, align your decision with your budget and long-term goals. If you need help, just reach out to the experts at Top Rail Fence and we will provide you with the best financing option tailored to your project. We can provide personalized financial guidance and provide a quote based on your preferred financing choices.