Most people aren’t ready to pay thousands of dollars out of pocket for a new fence. Whether it’s for privacy, safety, or curb appeal, a good fence isn’t cheap. That’s where financing comes in. And yes, plenty of fencing companies do offer financing. Some even give you choices between in-house payment plans and third-party credit options.

Do Fence Companies Offer Financing?

Yes, many fence companies offer financing directly or through third-party lenders. These financing programs are often advertised right on their websites or discussed during your estimate. Some companies will let you apply on the spot.

Here’s what that usually looks like:

Third-party financing through companies like Greensky, Synchrony, or Wisetack
In-house payment plans split into monthly payments over 6, 12, or 24 months
Credit card options with 0% APR promos for qualified buyers

You won’t always see this upfront, so it’s worth asking during the first phone call.

Local Choice Fence offers a fence financing payment plan of 0% for 12 months, which is a strong option if you’re looking to spread the cost without paying interest.

Types of Fence Financing Options Available

Not every company does it the same way. But here are the main types:

1. Third-Party Financing (Most Common)

These are loan programs managed by outside lenders. You apply through a link or app, often with soft credit checks first. Approval can be fast—sometimes same day.

APR: Typically ranges from 6% to 30% depending on credit
Loan terms: 6 to 60 months
Approval time: Usually within minutes to a few hours

2. In-House Payment Plans

Some fencing contractors offer plans without going through a bank. They carry the payment risk themselves.

Often no credit check
3 to 12-month terms common
Usually requires a larger down payment (20–50%)

3. Credit Card Promotions

Some companies accept major credit cards and might offer promotional financing if partnered with card issuers.

Best if you have a card with 0% APR
No formal “financing plan” needed
High flexibility, but be cautious about interest

4. Buy Now, Pay Later (BNPL) Services

This is newer, but growing. Services like PayPal Credit or Affirm can be used at checkout with some contractors, especially those who invoice digitally.

Often up to 6 months with no interest (PayPal Credit)
Usually requires approval
May be used in full or for a portion of the job

Do Fencing Companies Accept PayPal?

Some do, but not all. It really depends on how they invoice. If a company uses software like Jobber, Square, or QuickBooks for billing, PayPal may be an option at checkout. If PayPal is accepted, you can often use PayPal Credit too.

Before assuming, ask the estimator or office manager directly: “Do you accept PayPal or PayPal Credit?” It’s a yes/no thing.

What About Bad Credit?

Some companies work with lenders who accept low credit scores or offer “second-look” financing. These options usually come with higher interest rates and stricter repayment terms, but they exist.

You may also find:

Co-signer options
Secured loan plans
Larger required down payments

The key is to explain your situation early and ask if alternative programs are available.

What to Watch Out For

Before signing anything, read the terms. Ask questions like:

Is this a loan or just a payment schedule?
Is there an interest rate? What’s the APR?
Are there penalties for paying off early?
Is the quote different if I finance versus paying cash?

Also, get any financing deal in writing, and avoid verbal-only agreements.

Final Tip: Ask Early

If you’re budgeting for a fence and want financing, bring it up early. Before the estimator shows up, before the contract gets written, during the first call or email. That way, they can tailor your quote and show you real numbers.

Financing might not be the perfect fit for everyone, but if it helps spread the cost over time and gets the fence built sooner, it’s worth exploring.

Fence Company Financing Options: What You Need to Know

Do Fence Companies Offer Financing?