Last updated on June 4th, 2026
A quality fence installation typically runs $8,000 to $15,000 or more, depending on material, style, and the size of the project. Most homeowners don’t pay that in cash, and they don’t have to. Financing is a practical tool, but only if you choose the right option for your situation. The wrong plan costs you money you didn’t need to spend or delays your installation longer than you expected.
This post covers what fence financing actually includes, how each of our four plans works, what each one costs you in real terms, and how to choose before you sign.
What Does Fence Financing Cover?
Fence financing covers the full cost of the installed project: materials, labor, permits, and, in some cases, a property survey, depending on the chosen service level. You’re not financing a pile of fence parts. You’re financing a finished fence, built to spec, that meets local code requirements. At A to Z, the price on your quote is the price you finance. No line items are added later.
That includes:
- All fence materials: posts, panels, gates, and hardware
- All labor: post setting, panel installation, gate hanging
- Local permits, where required
- Property survey, depending on the service level chosen
- Removal and disposal of an existing fence, if applicable
A to Z’s Four Financing Options
We offer four ways to finance a fence installation. Each one fits a different situation. Here’s how they compare at a glance:
| Plan | Loan Size | Rate | Term | Credit Check | Install Starts |
| Flexxbuy | $500–$100,000 | From 5.9% APR | Up to 144 months | Soft check | After approval |
| 90-Day Interest-Free | No set limit | 0% if paid on time | 90 days (4 payments) | 680+ score required | After first payment |
| 12-Month Plan | No set limit | 8% APR | 12 months | 680+ score required | After 50% deposit |
| No-Credit-Check In-House | No set limit | 0% (no interest) | Your own pace | None | After paid in full |
Flexxbuy
Flexxbuy is our most flexible option for homeowners who want longer repayment terms or need to finance a larger project. Loans run from $500 to $100,000, with rates starting at 5.9% APR and terms up to 144 months. The application uses a soft credit check, which means your score isn’t affected when you apply. Decisions are instant. Flexxbuy works across a wide range of credit profiles, so this is often the right starting point if you’re unsure whether you’ll qualify elsewhere.
90-Day Interest-Free Plan
This plan splits your total cost into four equal payments over 90 days. The first payment is due at signing. That’s when we order your materials and put you on the installation schedule. The remaining three payments follow at 30, 60, and 90 days. Pay on time and you pay zero interest. You need a credit score of 680 or higher and proof of income to qualify. Miss a payment and an 8% annual interest charge applies to the unpaid balance. If you can genuinely cover four equal payments over 90 days, this is the lowest-cost financing option we offer.
12-Month Plan
This plan requires a 50% deposit at signing. The remaining balance is financed over 12 months at 8% APR. You need a 680 credit score and proof of income. Installation is scheduled once your deposit clears. The 8% rate is predictable: on a $5,000 financed balance, you’ll pay roughly $220 in interest over the year. On a $10,000 balance, about $440. Not a large number relative to the overall investment, but worth knowing before you commit.
No-Credit-Check In-House Plan
This plan has no interest, no credit check, and no third-party lender. You make payments directly to A to Z on your own schedule. The tradeoff is straightforward: we don’t schedule installation until you’ve paid the full balance. If you need your fence installed by a specific date, before summer, before a permit expires, before a new pet arrives, this isn’t the fastest path. If your credit situation makes the other plans inaccessible and timing is flexible, this keeps the door open.
How to Choose the Right Option
The right plan comes down to your credit, how much you can put down, and how quickly you need the fence. Work through the options below in order.
Can you pay it off in 90 days and do you have a 680 credit score?
Choose the 90-Day Interest-Free Plan. It’s the lowest-cost financing option we offer, with zero interest if every payment lands on time. Before you sign, be honest about whether four equal payments over 90 days fits your actual budget. If there’s any doubt, the 8% penalty on a missed payment changes the math.
Do you need 12 months, have 50% to put down, and a 680 credit score?
Choose the 12-Month Plan. The 8% APR is predictable and moderate. Know what it costs on your specific balance before you sign. The numbers are in the section above. This plan works well if you have meaningful savings but want to preserve cash flow.
Do you want longer terms, a larger loan, or have less-than-perfect credit?
Choose Flexxbuy. Rates start at 5.9% APR, terms run up to 144 months, and the soft credit check means you can apply without any impact to your score. This is also the right call if you want the lowest possible monthly payment or if you’re financing a larger project.
Do you have credit issues and can wait for the installation?
Choose the No-Credit-Check In-House Plan. No credit check, no interest, no lender. Pay at your own pace. Just understand that installation doesn’t start until the balance is paid in full. If timing matters, Flexxbuy is the better option. It accommodates a wider range of credit situations and gets your materials ordered and your project into the fabrication and installation schedule faster.
What Financing Does and Doesn’t Require
Soft vs. In-House Credit Check
Flexxbuy uses a soft credit check, a quick look at your credit profile that doesn’t appear on your credit report and doesn’t affect your score. You can apply without risk.
Our 90-Day and 12-Month plans verify your credit score at the 680 threshold. This is handled through our office rather than a traditional hard pull, but it is more involved than a soft check. The No-Credit-Check In-House Plan skips credit verification entirely.
Income Verification
The 90-Day and 12-Month plans both require proof of income. A recent pay stub or tax form covers it in most cases. If you’re self-employed, a bank statement or 1099 works. The review is straightforward and typically takes no more than a few minutes.
What “Instant Decision” Means with Flexxbuy
When Flexxbuy says the decision is instant, it means it. You fill out a short application and within seconds you know whether you qualify, how much you can borrow, and what your monthly payment looks like at different term lengths. No waiting for a callback.
When Does Installation Get Scheduled?
Signing your contract and making your first payment moves a project from the estimate stage to active scheduling. From there, materials are ordered, fabrication begins, and your installation date is set. The timing varies by plan, as shown below. For a full walkthrough of what happens between signing and installation day, see our
For a full walkthrough of what happens between signing and installation day, see our fence installation process page.
| Plan | When Installation Is Scheduled |
| Flexxbuy | Once the loan is approved, materials are ordered. |
| 90-Day Interest-Free | After your first payment clears. Materials are ordered at that point. |
| 12-Month Plan | After your 50% deposit clears. Materials are ordered at that point. |
| No-Credit-Check In-House | After your full balance is paid. Install timing depends on the season. |
One practical note: fence season in Wisconsin and Minnesota runs hardest from April through October. The earlier you lock in your plan and make your first payment, the better your position in the installation queue.
Other Ways to Pay
Some homeowners prefer to finance outside of our plans, either because they live outside our service area or because they have an existing financial relationship they want to use. The most common options are a home equity loan or HELOC, a personal loan, or a credit card with a 0% promotional APR. Each has real tradeoffs.
A home equity loan or HELOC typically carries lower rates because your home secures the loan. If you can’t pay, your home is at risk. These also take weeks to set up, not minutes.
A personal loan from a bank or credit union doesn’t put your home on the line, but rates run higher than a HELOC and often higher than Flexxbuy. Approval can take several days.
A 0% APR credit card works if you can pay the balance before the promotional period ends. If you can’t, the rate typically jumps to 20% or higher, which is more expensive than any plan we offer.
Paying in cash is always the cheapest option. If you have savings set aside for home improvements, that’s worth considering. Just don’t deplete your emergency fund to avoid financing. The interest cost on a well-structured plan is modest compared to the cost of having no financial cushion.
Frequently Asked Questions
Can I get fence financing with bad credit?
Yes. The No-Credit-Check In-House Plan has no credit requirement. Flexxbuy also works with a wide range of credit profiles, including below-average scores. The difference is timing: Flexxbuy gets your materials ordered and your project scheduled right away, while the In-House Plan waits until you’ve paid in full.
Will applying for financing affect my credit score?
Flexxbuy uses a soft credit check with no impact on your score. Our 90-Day and 12-Month plans verify your credit at the 680 threshold through our office. That process is more involved than a soft check but is handled with minimal credit impact. The No-Credit-Check plan doesn’t touch your credit at all.
How fast can I get approved?
Flexxbuy decisions are instant. You fill out a short form and within seconds you have an answer, a loan amount, and monthly payment options. Our 90-Day and 12-Month plans are typically reviewed the same day once we have your income documentation. The In-House Plan doesn’t require approval. You sign and start paying.
Can I pay off my financing early?
Yes. None of our plans carry a prepayment penalty. Paying early on the 12-Month Plan or through Flexxbuy reduces the total interest you pay. Review your loan agreement to confirm the terms.
What is the smallest project I can finance?
Flexxbuy starts at $500, which covers smaller projects like a pet enclosure or a single gate. Our in-house plans don’t have a published minimum. Most homeowners we work with finance between $5,000 and $20,000.
Is financing available for commercial fence projects?
Yes. A to Z installs fencing for residential, commercial, and farm properties, and our financing options are available across all project types. Contact our office to discuss which plan fits a commercial project.
What happens if I miss a payment?
On the 90-Day Interest-Free Plan, a missed payment triggers an 8% annual interest charge on the unpaid balance. The 12-Month Plan also applies fees for late payments. For Flexxbuy, the terms are governed by your loan agreement directly with Flexxbuy. The most straightforward way to avoid any of this is to choose the plan whose payment schedule fits your budget before you sign, not after.
Get Your Estimate First. Then Decide How to Pay. Financing decisions are easier when you know the actual number. Use our Instant Estimate tool to design your fence and get a price range in under three minutes, then choose the plan that fits.