Finance Your Fence Project
See your personalized monthly payment options within minutes and without affecting your credit score. No prepayment penalties. No home equity required.
Get Started Here!Finance your fence project with Thomas Fence
A quality fence is an investment in your property. Thomas Fence has partnered with Hearth to offer flexible financing options so that cost does not have to be the reason you put a fence project off.
Hearth is a third-party lender that works specifically with home improvement contractors. Checking your options takes minutes and does not affect your credit score. If approved, funding arrives within 1 to 3 days.
- Loan amounts up to $250,000
- Affordable monthly payment options
- Funding within 1–3 days of approval
- No prepayment penalties
- No home equity required
- Checking your options does not affect your credit score
- No home equity required
- No prepayment penalties
- Funding in 1–3 days
- Check rates in minutes
- No credit score impact to check
Financing provided by Hearth. Thomas Fence is not a lender. Approval and terms are determined by Hearth based on individual creditworthiness.
How financing fits a fence project
The order that works best is estimate first, financing second. A Thomas Fence estimator measures the line on site, talks through materials, and gives you a written price. That price is the number you take to Hearth, so you are financing the real project and not a guess. The instant fence estimator gives a budget figure in minutes if you want a range before the site visit.
No deposit is required on standard residential work, so nothing is due before the crew arrives. The exceptions are special order materials and custom metal work, and your estimator tells you in writing if your project is one of them. Work starts one to three weeks after you accept the estimate, which is time enough for a Hearth application to be approved and funded. A typical residential fence takes two to three business days to install.
If you would rather pay by credit card than finance, Thomas Fence accepts cards with a 3.5 percent processing fee. There is no cash discount and no veteran's discount, and we say that plainly so nobody is surprised at the end. Every fence, financed or not, carries a one year craftsmanship warranty in writing, and Thomas Fence has held Arkansas Contractor License No. 0155010427 since 2005.
Financing covers every fence and gate Thomas Fence builds in Springdale, Rogers, Bentonville, Fayetteville, Bella Vista, Siloam Springs and the surrounding communities: wood, vinyl, chain link, ornamental steel, farm fencing, and automated gates.
Ready to Get Your Fence Estimate?
Get a free estimate first — then apply for financing if you need it. No deposit required for standard installations.
Get a Free EstimateFinancing FAQs
How does fence financing work at Thomas Fence?
Thomas Fence offers financing through Hearth, with monthly payment options for fence and gate projects. The application takes minutes online — apply through our Hearth financing portal and compare your options side by side.
Does checking my rate affect my credit score?
No. Seeing your financing options through Hearth does not impact your credit score.
How much can I finance?
Hearth offers loan amounts up to $250,000, which covers everything from a backyard privacy fence to large commercial and estate projects.
Is a deposit required to start my project?
No — Thomas Fence does not require a deposit, except for special order materials or custom metal work.
Can I pay by credit card?
Yes. Credit card payments are accepted with a 3.5% processing fee added.
How do I get started?
Get your price first — use the instant fence estimator or request a free estimate — then apply for financing whenever you are ready.