Can You Finance a Fence?

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

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 below:


Average Cost per Linear Foot

Metal Fence

$35 to $60

Wrought Iron

$30 to $55


$20 to $45


$15 to $30


$15 to $35


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.

Can You Finance a Fence?

Yes, you can finance a fence and there are many different financing options. Most homeowners will use the financing provided by the fencing company or a private lender when installing a new fence.

Financing Options

Customer financing 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

  • Financing through Top Rail Fence: Top Rail Fence is proud to partner with Wisetack. With Wisetack, 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 and Wisetack

  • Fill out the financial application link from Top Rail Fence provided and input your basic details.
  • 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.


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. We recommend contacting your fencing company for the best financing option tailored to your project. Your contractor can offer personalized financial guidance and provide a quote based on your preferred financing choices.

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