Build now, pay over time

Top Rail Fence has partnered with Acorn Finance, a marketplace of top lenders, to make your fencing project more affordable. Now you can break your project into predictable monthly payments with no impact to your credit score to check your options when you check offers.

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How financing works

Fast, simple financing - from application to approval in minutes

Check Offers

Fill out a short online form to see prequalified offers from top lenders.

Choose Your Offer

Compare rates and terms, then select the option that fits your budget.

Get Funded

Complete your application online and receive funds in as little as 1–2 business days.

Why work with Acorn Finance

Check offers from multiple lenders quickly and easily—no paperwork, no hassle. Compare personalized, competitive rates from top lenders with loan amounts up to $100,000 and flexible terms. Most borrowers receive funds in just 1–2 business days, so you can start your project fast.

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Finance your fence project today!

Whether you’re upgrading your curb appeal, securing your yard, or adding privacy to your property, Top Rail Fence and Acorn Finance make it easy to get started. Check offers with no impact to your credit score.

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Financing FAQs

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Acorn Finance is an online marketplace where the nation’s top lenders compete to pre-qualify you for fixed-rate custom loan options in 60 seconds. Their initial soft credit inquiry means your credit score won’t be impacted when you check for offers.

We want to make it easy for you to find competitive financing to make your projects, expenses and purchases more manageable. With Acorn Finance, you can choose the loan option that works best for you without having to spend a lot of time researching, chasing applications, or wondering if you could have found better terms somewhere else.

Depending on the lender that fits you best, you may be offered a personal loan or personal line of credit. A personal loan lets you borrow money now and pay it back over time with fixed monthly payments. Personal loans have fixed rates of interest and typically have terms ranging from 2 to 12 years. They may be unsecured (no collateral) or secured (collateral required). A personal line of credit allows you to borrow at any time based on a preset limit. As long as your account is open and your credit remains in good standing, you can borrow up to the maximum amount and pay interest only on the amount you actually borrow.

Acorn Finance's network of lenders offers loans from $2,000 to $100,000 for qualified borrowers.

Applicants with excellent credit may be eligible for competitive rates and extended repayment terms of up to 12 years.

The funds can be used for any purchase, including to upgrade your home.

Qualified applicants can be approved quickly during business hours and may receive their funds as soon as within 1 business day, however funding times may vary.

Acorn Finance's lenders charge no penalties for early repayment, and no processing fees on loans of more than $40,000. If you borrow less than $40,000, some lenders may charge an origination fee between 1-6%. You’ll see no-fee options clearly highlighted on your offers pages, so you can make a fully informed choice.

Yes. Co-borrowers are encouraged to apply, and can be added immediately after the initial applicant submits their information.

Acorn Finance is available online throughout most of the United States. You can check the current coverage area on Acorn's website to make sure your state is included.

*DISCLAIMER: Information on this site has been gathered from funding partner websites and publicly available sources. While we do our best to ensure this information is up to date and calculations are accurate, all information is presented without warranty. If you find information or calculations you believe to be in error, please contact us. Advertised rates and terms are subject to change without notice.

Rates as of 6/14/2024. Advertised rates and terms are subject to change without notice. Estimated interest rates, APRs, and other terms are not binding in any way. For illustrative purposes only, if you request $10,000, you could get a total loan of $10,000 with an 8.94% interest rate and $0 fees (note, if the lending partner charges an origination fee, it will increase the APR). You would receive $10,000 with 84 payments of $161. Your actual interest rate and APR will depend on factors like credit score, requested funding amount, and credit history. Only borrowers with excellent credit will qualify for the lowest rate. Offers represent lowest monthly payment for amount and term displayed. When evaluating offers, please review the funding partner’s terms and conditions for additional details. All loans and other financial products are subject to credit review and approval by our partners.

If approved, funding times may vary. We work with some lenders that do not have a requirement for a credit check and use income and/or employment to make decisions on eligibility for their financial products. Underwriting criteria is established by our partners, not Acorn Finance. Most of our lenders will do a soft pull, which does not impact your credit score; however, our funding partners will conduct a hard credit pull when you express interest in an offer, and this could impact your credit score.

The operator of this website is not a lender and does not make loans or credit decisions. This website does not constitute an offer or solicitation to lend or provide funding. This website will submit the information you provide to one or more funding partners. Providing your information on this website does not guarantee that you will be approved for a loan or other financial product. The operator of this website does not endorse or charge you for any service or product.