Fence Financing

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Fence Financing

How to Get a Fencing Loan

If you’re looking to build a new fence to keep your loved ones safe while adding a touch of class to your home’s exterior, you’ve likely thought about how you’re going to pay for it. Well-made fences come at a price, so you may need to consider financing. We’ve put together some helpful information about financing a fence, the credit score you’ll need to qualify, and much more.

Applying for a fencing loan is fast and easy:

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Borrow up to $100,000 as fast as next business day

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After your loan is approved with the lender of your choice, receive your funds as fast as 1-2 business days.

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Can you finance a fence?

Yes, there are plenty of options for financing for fencing. What is best for you will depend on your credit score and personal circumstances, but we’ll guide you through everything you need to know about fence financing here.

Top lenders that offer fence financing




Funding: Borrow $5,000 - $100,000
Minimum Credit Score: 680
APR: 4.99% to 19.53%
Loan term: 2 - 7 years
Funding turnaround: 1 - 3 business days

With SoFi personal loans, borrowers can get access to up to $100,000 with APR starting as low as 4.99% with extra bonus perks ($500 for each funded loan) and fast turnaround time. 24/7 customer support available.

Best Egg

Best Egg Personal Loan

Best Egg

Funding: Borrow $2,000 - $50,000
Minimum Credit Score: 640
APR: 5.99 - 29.99%
Loan term: 3 - 5 years
Funding turnaround: 1 - 3 business days

With Best Egg personal loans, borrowers with fair to good credit can get funding for 3-5 years and have the option to use the loan for a variety of purposes.


Lightstream Personal Loans


Funding: Borrow $5,000 - $100,000
Minimum Credit Score: 660
APR: 2.49% - 19.99%
Loan term: 2 - 7 years
Funding turnaround: as soon as same business day

LightStream offers up to $100k personal loans as soon as same business day without origination fees and easy to use mobile app.

What are some of the most popular types of fences?

Here are the top six types of residential fences:

  • Chain link fence: this is affordable, durable, practical, and doesn’t require much maintenance, but it’s not the most aesthetically pleasing option
  • Privacy fence: this is usually made of precast concrete panels but can simply be any form of solid fencing that’s at least 6’ high
  • Brick wall fence: this a good permanent option that can offer a lot of privacy and/or is aesthetically pleasing, but may not be the best option for areas that experience intense earthquakes
  • Wood fence: a classic fence with many different options, from open rail fencing to full wood panels
  • Vinyl or PVC fence: this low-maintenance option is durable, provides privacy, and comes in several colors
  • Bamboo fence: the most eco-friendly option, bamboo fencing is often used for partitioning and yard fencing

How much does a new fence cost?

The cost of a new fence depends on several factors:

  • Purpose: whether you want your fence for security, privacy, to remedy uneven ground, or reduce noise or wind
  • The materials you choose for your fence
  • The type of area you live in
  • The local availability of the materials you choose
  • The size of your home i.e the amount of land you wish to enclose

New fencing costs (on average) $5 - $50 per linear foot depending on the type of fencing you choose and installation expenses. Most homes will cost $1,500 - $3,000 to fence.

How can I get fence financing?

There are five primary ways you can finance your fence:

  1. Use your savings: This is the most sensible option as it doesn’t involve borrowing money. Even if you can’t cover the entire cost of the fence with your savings, it’s good to use as much of your own money as possible (without leaving yourself vulnerable in an emergency). If you can, budget months in advance and map out a realistic timeline for your project.
  2. Get a personal loan: This type of loan is unsecured, meaning they don’t require collateral. Instead of asking you to pledge your home or possessions, lenders lean on your credit profile to decide if you’re eligible. Interest rates are usually 5% - 30%, though it depends on your credit score, income, current debt held, how much you want to borrow, the term, and other factors.
  3. Use a credit card: This option isn’t always usually suitable but can be used.  Those with good credit scores may get lower interest rates through personal loans, so this option works best when you have a credit card with an introductory 0% APR period.
  4. Get a HELOC: This is a line of credit in which you’ll only be able to access up to 85% of your equity. The amount you’re approved for will also depend on your creditworthiness.

Because a HELOC means you’re putting up your home as collateral, it also means you’ll typically be charged lower interest rates than with an unsecured personal loan. Despite this, it’s important to remember that if you fail to repay the loan, you could lose your home.

  1. Get a home equity loan: As with a HELOC, home equity loans involve using your home as collateral. While HELOC interest rates can be fixed or variable, home equity loan interest rates are fixed, with an average rate of 5.82%.

Need help finding the right loan?

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Do fence companies offer financing?

Some home improvement retailers offer “in-house” financing. Some stores offer a six-month special in which you pay off your project in six months or less, you pay no APR. Some fencing contractors also offer financing through a partner company, but it’s mostly only large companies that do this. It’s always worth looking into all your options to ensure you get the best deal.

How can I save money on a fence?

Other than choosing cheaper materials, which may not last a long time or withstand strong weather (or dogs and children jumping on them), one of the most sensible ways to save money is to build the fence yourself. Fencing isn’t easy, so if you’ve never done it before or need something sturdy, it’s a good idea to talk to a local contractor in your area and see if they have any suggestions for reducing costs without sacrificing the quality of your fence. Remember you aren’t any obligation if you just get a quote, so if they are out of your price range you could take their advice and then put the fence up on your own.

What are the pros and cons of fence financing?

Some of the pros of fence financing include:

  • A good fence adds value to your home
  • It’s a practical way of adding privacy and reducing noise
  • You don’t have to wait to have the money to get a new fence or replace a fence, which is an often impractical option

Here are some of the cons of fence financing:

  • Some cheap fences deteriorate quickly so you may not get a good return on your investment
  • It’s not as cheap as using your own money as it incurs tax and interest each year
  • It can be expensive if you have a low credit score

What credit score do you need to finance a fence?

Lenders providing personal and home improvement loans look for good credit scores. A credit score of 670 or above could help you get a good interest rate, but you may need an excellent credit score to qualify for the lowest APRs.

Can you get fence financing with bad credit?

Most reputable lenders require a credit score in the mid-600s at least. Lenders with lower requirements will likely enforce a higher APR. If you have poor credit, you could try applying for financing with a creditworthy cosigner. This person could be a partner or family member who will act as a guarantor if you can’t repay the debt. Their credit score could help get you that fence loan with the lower interest rate intact.

Fence Financing Calculator

To calculate how much your loan will cost you, use our calculator below:

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Best lenders for fence financing

Here are our top five lenders for fence financing:

  • Sofi
  • Best Egg
  • LightStream
  • Discover
  • PenFed

While these are some of the best lenders, make sure you browse through the loans in our tables to compare rates and find the best loan for you.

Compare rates and apply

If you need a little help financing your next home improvement project, personal loans are there to help. Once you’ve figured out how much you’ll need to borrow and how long you’ll need to pay it back, you can start comparing lender rates. Look at the options within our tables to find the loan that is best for your circumstances and when you find the one that’s right for you, click apply.

Need help finding the right loan?

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