Finance Your Dream Fence Project
Don't let budget hold you back. Get pre-qualified in minutes with no impact to your credit score. Flexible payment options to fit any budget.
Rates starting as low as 0% APR* - Credit card-like terms depending on approval
Checking your rate won't affect your credit score
Why Finance With Hearth?
Get the funds you need to complete your fence project without draining your savings.
Quick Pre-Qualification
Check your rate in minutes with no impact to your credit score
Flexible Payment Options
Choose from multiple loan terms that fit your monthly budget
Competitive Rates
Access rates from multiple lenders to find the best option
No Prepayment Penalties
Pay off your loan early without any additional fees
How It Works
Getting financing for your fence project is quick and easy
Pre-Qualify Online
Complete a quick application to see your personalized loan options in minutes
Review Your Options
Compare rates and terms from multiple lenders to find the best fit
Get Your Fence
Once approved, funds are sent directly so your project can begin
Frequently Asked Questions
Learn more about fence project financing
Will checking my rate affect my credit score?
No! Pre-qualifying with Hearth uses a soft credit check, which does not impact your credit score. A hard credit check only occurs if you decide to proceed with a loan application.
How much can I borrow?
Loan amounts typically range from $1,000 to $100,000 depending on the lender and your creditworthiness. Most fence projects fall well within these limits.
What are the repayment terms?
Repayment terms typically range from 2 to 12 years, giving you flexibility to choose a monthly payment that fits your budget.
How quickly can I get approved?
Pre-qualification takes just a few minutes. If you proceed with a full application, many lenders provide approval within 1-2 business days.
Can I finance the entire project?
Yes! You can finance your complete fence project including materials, labor, permits, and any additional work like old fence removal.
What if I have less than perfect credit?
Hearth works with multiple lenders who offer options for various credit situations. Pre-qualifying will show you what options are available to you.
Important Disclosures & Terms
*APR Disclosure: Rates starting at 0% APR are available to qualified borrowers with excellent credit. Your actual rate may be higher based on your credit profile, loan amount, and loan term. APR ranges from 0% to 29.99% depending on creditworthiness and lender. Credit card-like terms may be available for qualified borrowers.
Third-Party Financing: Precision Fence NJ partners with Hearth to provide financing options. Precision Fence NJ is not a lender, does not make credit decisions, and does not collect or store your financial information, including credit scores, social security numbers, or banking details. All financial information is submitted directly and securely to Hearth and their network of lending partners.
Data Collection: When you apply for financing through Hearth, you will be asked to provide personal information including your name, address, date of birth, social security number, and income information. This information is collected and processed by Hearth and their lending partners, not by Precision Fence NJ. Hearth's privacy policy governs the collection and use of your personal information.
Credit Inquiry: Pre-qualification uses a soft credit inquiry that does not affect your credit score. If you proceed with a full loan application, a hard credit inquiry will be performed by the lender, which may temporarily affect your credit score.
Loan Terms: Loan amounts typically range from $1,000 to $100,000. Repayment terms range from 2 to 12 years. Monthly payments, loan terms, and interest rates are determined by the individual lender based on your creditworthiness. Not all applicants will qualify for all loan amounts or the lowest rates advertised.
No Guarantee: Financing approval is not guaranteed. All credit decisions are made by Hearth's lending partners based on their individual underwriting criteria. Precision Fence NJ does not influence or participate in credit decisions.
By using the Hearth financing platform, you agree to Hearth's Terms of Service and Privacy Policy. Please review all loan documents carefully before accepting any financing offer.