Vinyl Fence Financing Options for New Homeowners

High-quality vinyl fencing beautifies your home and protects your pets and children. It adds style while defining borders and preventing unwanted animals and people from entering your yard. It adds privacy, ensuring that your family can enjoy time in the backyard playing and cooking out. 

However, paying out of pocket for vinyl fencing is often out of the financial reach of new homeowners. Thankfully, you can finance it. What are your options?


You could approach a bank to finance your fence. However, there are two problems with this approach. First, banks are notoriously risk-averse. If you’re a new homeowner with a brand-new mortgage, a bank is unlikely to think you’re a good credit risk. Second, most banks have no desire to finance small loans like this. There’s simply not enough money involved to interest them.

Credit Unions

With banks out of the picture, you could consult with a local credit union. They’re much more likely to finance smaller amounts than banks, particularly if you have access to a community credit union. However, you could be on the hook with a relatively high-interest rate. That’s particularly true in today’s climate. The Fed continues to raise the prime rate to slow economic growth and control inflation, which means that lenders are charging more interest for their financial products, and you ultimately pay more in the end.

American Fence & Railing

At American Fence & Railing, we believe that everyone should have access to high-quality, durable vinyl fencing. Not only do we install fences, but we also offer flexible in-house financing. Because we’re a fence company, we don’t have the same incentives as banks when it comes to profiting on the loan. Our financing program also comes with other perks, including:

  • You can make minimum payments for the life of the loan, making your fence that much more affordable.
  • You get 18 months with 0% interest. That means if you pay off the loan in that time, you won’t pay a dime in interest charges – just the principal of the loan.
  • We make fast lending decisions, so you’re never left in limbo wondering if you’ll finally be able to afford that fence you’ve been dreaming about.

Ready to take the next step? Get in touch with us for a free quote. You can have the perfect fence and flexible financing that fits your financial needs.

American Fence and Railing, LLC:

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