Fence financing
Two ways to finance your new fence in Orland Park and the surrounding suburbs
Pick the plan that fits: 12 months same as cash with $0 interest, or a 5-year plan at 5.99% APR with no prepayment penalty. Payments start as low as $116/mo.
$116/mo
Payments start as low as
0%
Interest for 12 months
5.99% APR
Fixed for 5 years
$1,000
Off first — then finance
Two ways to pay
Pick the plan that fits your budget
Both plans are subject to credit approval and handled by your estimator at the free in-home estimate. Either way, the $1,000 OFF comes off first.
Option A
12 Months Same As Cash
0% interest — if paid in full within 12 months
Payment example
$500/mo
on a typical $6,000 financed
- $0 interest when paid inside 12 months
- Fence price = cash price, exactly
- No prepayment penalty
Best if you're confident you can clear the balance within a year.
Option B
5 Years at 5.99% APR
5.99% APR fixed — over 60 monthly payments
Payment example
$116/mo
on a typical $6,000 financed
- Lowest monthly payment
- No prepayment penalty — pay it off early to save interest
- Smart pick if you're not sure about the 12-month window
Best if you want the lowest monthly and flexibility to pay it down whenever.
Not sure which to pick? Take the 5-year — the monthly is lower and there's no prepayment penalty, so you can still pay it off inside 12 months and save on interest.
The monthly math
See both monthly payments
Slide to your ballpark — grab one from our fence cost calculator if you don't have a quote yet.
Your ballpark
$7,000
After $1,000 OFF
$6,000
Option A · 12 mo same as cash
$500/mo
0% if paid in 12 months
Option B · 60 mo @ 5.99% APR
$116/mo
No prepayment penalty
Same-as-cash means $0 interest when paid in full within 12 months. Subject to credit approval. 5-year plan: fixed 5.99% APR, 60 monthly payments, no prepayment penalty.
How it works
Get your free estimate
An estimator walks your yard and gives you a real number in writing — with the $1,000 OFF already applied. That's the amount you'd finance.
Pick your plan & apply
Your estimator helps you pick the plan that fits — same-as-cash or the 5-year at 5.99% — and walks the short application with you at the kitchen table. Takes minutes.
Fence goes up, you pay monthly
Most fences install in a day. Then it's simple monthly payments — pay it off any time with no prepayment penalty.
Can you finance a fence?
Yes — you can finance a fence, and most reputable fence companies in the surrounding suburbs (including us) offer payment plans. It's one of the most common questions homeowners ask, and the answer is a simple yes: a new fence doesn't have to be a lump-sum purchase.
We offer two plans. 12 months same as cash — the financed price equals the cash price, and if it's paid off inside the year the interest is $0. Or the 5-year plan at 5.99% APR for a much lower monthly payment, with no prepayment penalty so you can pay it down early whenever you want and stop the interest. Both are a short credit application your estimator handles at the kitchen table.
The honest case for financing a fence
Nobody needs a lecture about money from a fence company. But here's the simple version: if the fence is happening either way, same-as-cash means waiting doesn't save you anything — it just delays the yard. You get the summer with the fence instead of the summer saving up for it, and it costs the same number.
Not sure you can pay it off in 12 months? Take the 5-year at 5.99% and pay it down whenever you want — there's no prepayment penalty, so you only pay interest on the time you actually carry a balance. Lower monthly, same flexibility.
And this summer that number is $1,000 lower — the discount comes off before financing is calculated, so the monthly payment drops on either plan.
$1,000 OFF first. Then pick your plan.
On a typical $7,000 fence, that's $6,000 financed — about $500/mo on 12-months same-as-cash, or as low as $116/mo on the 5-year at 5.99% APR.
Financing FAQ
You have two: (1) 12 months same as cash — $0 interest when paid in full within 12 months, and (2) a 5-year plan at 5.99% APR fixed with no prepayment penalty. Both are subject to credit approval and handled by your estimator at the free in-home estimate.
Get the fence this summer. Pick the plan that fits.
Free estimate, $1,000 OFF, and two financing options — 12 months same as cash, or 5 years at 5.99% APR with no prepayment penalty. Zero pressure — keep the quote and think it over.