Rare Bears Fencing · Financing

A Plan Built Around Your Budget

Choose a fence type or drag the slider to your project cost, and see your estimated monthly payment across every plan. All plans are available on approved credit through HFS Financial.

Estimates only. This is not a credit offer or a commitment to lend. Actual rates, terms, and monthly payments are set by the lender on approved credit and may differ from the figures shown.

Qualification

Who Qualifies?

We believe every homeowner deserves access to a great fence. That's why we offer options for a wide range of credit profiles.
650+

Standard Credit Score

Qualify for our full range of plans including 0% interest options for 12, 18, or 24 months, plus long-term financing.

580+

Subprime Option

We also offer subprime financing starting at a 580 credit score, so you can move forward even if your credit is not perfect.

Process

Approved in Minutes

Applying is quick and painless, online or in person, whichever you prefer.

1

Apply Online or In Person

Fill out a short application from any device in under 5 minutes, or speak with our team directly.

2

Get a Decision Fast

In most cases you'll receive a financing decision within minutes of submitting your application.

3

Get Approved & Start

Once approved, financing is available immediately. We schedule your installation and get to work.

4

Pay on Your Terms

Make payments according to your chosen plan. Enjoy your new fence while you pay over time.

Why ChooSe Us

Financing Done Differently

We keep financing simple, interest-free, and easy to apply for, with no complicated terms or fine print.

No Hidden Fine Print

What you see is what you get. Clear terms, transparent rates, and no surprise fees buried in the contract.

Instant Decisions

No waiting days for a callback. Most applicants receive a decision in minutes, online or in person.

Built for Homeowners

Our program is designed for real people, not just perfect-credit applicants. Options starting at 580.

Backed by HFS Financial

A trusted, established financial institution behind every approval, secure, reliable, and regulated.

Apply Anywhere

Apply from your phone, laptop, or in-person at our office. Flexible just like our payment plans.

Up to 15-Year Terms

From 12 months zero-interest to 180-month long-term plans, more options than almost any fence company.

Frequently Asked Questions

Everything you need to know before applying.
common fencing questions

What happens after the 0% promotional period ends?

Plus icon

If your balance is not paid in full before the end of the promotional period, interest will retroactively apply at 23.99% APR over 60 months on the remaining balance. We always recommend paying off within the promo window to fully enjoy the interest-free benefit.

How long does the application take?

Plus icon

The application takes under 5 minutes to complete. Most applicants receive a credit decision within minutes, and once approved, financing is available to use right away.

Can I apply if I have less-than-perfect credit?

Plus icon

Yes! While our standard plans require a minimum credit score of 650, we also offer subprime financing options for credit scores as low as 580. Our goal is to make fencing accessible to every homeowner.

Do I have to apply online, or can I do it in person?

Plus icon

Both options are available. You can apply online at any time from any device, or speak with our team in person, whichever is more comfortable for you.

Which financing plans are available?

Plus icon

We offer 0% interest for 12 or 24 months, an 18-month same-as-cash option with flexible non-monthly payments, and a long-term plan at 6.99% for up to 180 months, all subject to approved credit through HFS Financial.

Who is HFS Financial?

Plus icon

HFS Financial is our trusted lending partner, a reputable financial institution that provides secure, reliable, and flexible financing solutions for home improvement projects across the country.

Ready to Install Now, Pay Over Time?

Get your free estimate and a financing decision in minutes. No hard credit pull to check your options.
Call iconGet My Free Fence Estimate
HomeServicesGalleryQuote