Financing for your project.
Review the available payment options before you decide. Pre-qualification uses a soft credit check and does not affect your score.
Options
Pick the structure that fits your project
Installment Loan
8.99% – 15.99% APR
Terms from 12 to 144 months
A flexible option for larger projects. Minimum payment $50/month.
Often used for larger deck and patio projects
Five-Year Fixed
6.99% APR
60 monthly payments
Approximately $19.80 per month for every $1,000 financed.
A fixed-term option for mid-size projects
12-Month Same-As-Cash
0% if paid in 365 days
19.99% APR thereafter
Pay no interest at all if the full balance is cleared within twelve months.
Worth considering if you can pay the balance in a year
Example monthly payments
A $9,000 cedar privacy fence on the 6.99% APR five-year plan works out to roughly $178 per month. The same project on 12-month same-as-cash is $750 per month with zero interest if cleared inside the year.
Illustrative only. Actual rates, terms and payments depend on lender approval and creditworthiness. Financing is provided by third-party lending partners; A-1 Fencing is not a lender and does not make credit decisions.
FAQ
Financing questions
Does applying affect my credit score?
Pre-qualification uses a soft credit inquiry, which does not affect your score. A hard inquiry only occurs if you choose to move forward with a full application.
How long does approval take?
Most applicants receive a decision within minutes. Approval is valid long enough to complete permitting and scheduling.
Can I pay the loan off early?
Yes. All of our financing options allow early payoff with no prepayment penalty.
What does "same as cash" actually mean?
If you pay the entire balance within 365 days, you pay zero interest. If any balance remains after that window, interest accrues at 19.99% APR from the original purchase date — so this option only makes sense if you are confident you can clear it within the year.
Do you require a deposit even with financing?
Financing typically covers the full project cost, including the materials deposit. We confirm the funding schedule before work begins.
Get a free estimate for your project.
We will walk the property, talk through the work, and give you a clear price in writing.
Send the details and we will get back to you within one business day. We can also handle permit and HOA paperwork when it applies.