0% INTEREST FENCE FINANCING
Get Your Fence with
No Money Down
Pay Over Time at 0% Interest
- Instant approval decision
- No impact to credit score
- Pay $0 until install complete
Trusted by 100s of NJ, PA, and DE homeowners
See How It Works
Watch how you can get premium fence materials financed at 0% interest and pay your contractor only when the job is done and you're 100% happy
Three Simple Steps to Your New Fence
1. Get Pre-Approved in Minutes
Fill out a quick 3 minute application with Synchrony. Get an instant decision with no impact to your credit score.
2. Choose Materials & Hire Your Contractor
Select from professional grade fence materials at H&J Fence Supply. Hire a contractor of your choice (or we can recommend)
3. Pay Contractor After You're 100% Satisfied
Your fence gets installed. Inspect the work. Only pay your contractor once you're 100% happy. Zero risk, zero interest.
Why Homeowners Love Our Financing Program
0% Interest for 12 Months
Unlike credit cards that charge 18-25% APR, you pay absolutely zero interest. Just a one time 4% processing fee.
Pay Only When You’re Happy
Materials are financed, but you pay your contractor directly after installation. If you’re not satisfied, you don’t pay until it’s fixed. Total peace of mind.
Get Approved in 3 Minutes
Our streamlined Synchrony application takes about 3 minutes. Instant approval decision. No waiting days to find out if you qualify.
No Credit Impact to Get Pre Approved
Checking your rate won’t affect your credit score. Only when you accept the loan does it report to credit bureaus—and on-time payments actually help your score.
Professional Grade Materials
H&J Fence Supply provides commercial-quality materials that last decades. We’re not some big-box store—we’re fence specialists trusted by contractors across New Jersey.
Trusted Contractor Network
Don’t have a contractor? We can connect you with licensed, insured professionals who’ve completed hundreds of projects. They know our materials inside and out.
Common Questions Answered
What exactly gets financed?
Only the fence materials from H&J Fence Supply are financed through Synchrony. You pay your contractor directly for labor after the installation is complete and you’re satisfied with the work.
Is it really 0% interest?
Yes! You pay zero interest charges. Synchrony charges us a 7% processing fee, but we pass along only 4% to you and absorb the rest. Over 12 months, you pay the material cost plus the one-time 4% fee. No hidden charges.
How long does approval take?
About 3 minutes to fill out the application, and you get an instant approval decision. You’ll know your credit limit right away.
Will this hurt my credit score?
Checking your rate creates a “soft pull” that doesn’t affect your credit. Only when you accept the financing does Synchrony do a “hard pull” that temporarily impacts your score by a few points. Making on-time payments actually helps your credit.
What credit score do I need?
Synchrony typically approves homeowners with credit scores of 640 or higher, but each application is reviewed individually. Even if you’ve had credit challenges, you might still qualify.
Can I pay it off early?
Absolutely! There are no prepayment penalties. Pay off your balance anytime without extra fees.
What if I’m not happy with my contractors work?
Since you pay the contractor separately (not through the loan), you have full control. Don’t pay until the work meets your standards. The materials are already covered by your financing.
Do I have to use a specific contractor?
No! You can hire any contractor you choose. If you need help finding one, we can recommend professionals who are familiar with our materials and have completed excellent work for other customers.
What Homeowners Are Saying
“I couldn’t believe how easy it was. Approved in literally 2 minutes, picked out beautiful cedar materials, and my contractor finished the fence in 3 days. Paid him after I inspected everything. Zero stress!”
Sarah M., Montclair, NJ
“The 0% financing saved me over $800 compared to using my credit card. H&J’s materials are top-notch—way better quality than Home Depot. Five months in and my fence still looks brand new.”
Mike R., Princeton, NJ
“I was nervous about financing, but the whole process was transparent. The 4% fee was clearly explained, no hidden surprises. My contractor even said H&J has the best vinyl fence in the state.”
Jennifer L., Cherry Hill, NJ
Ready to get Your Fence Installed?
Join 100s of other New Jersey, Pennsylvania, and Delaware homeowners who've financed their dream fence at 0% interest.
Get approved in 3 minutes and start planning your project today.
- Instant approval decision
- No impact to credit score
- Pay $0 until install complete