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Fences come in a variety of shapes, sizes, and materials, and can be used for a variety of purposes. In order to help you pick out the perfect fence, we have compiled a list of things to consider throughout the fence buying process.


What to Consider Before Choosing a Fence

First, if you live in a neighborhood with a Homeowner’s Association – check with them first to see if there are any fence restrictions. Some Homeowner’s Associations restrict the height of your fence, certain types of fences, and even specific types of material.

Next, make sure to check your local city or township planning board about permits needed for fences. Permits and permit requirements for fences will vary from town to town throughout the country, so it’s important to know exactly which permits are required from your township planning and zoning board before you get started. Some townships might also require your fence to be a specific height or style.

Finally, it’s a good idea to determine your budget before you begin searching for a fence. A budget will help eliminate certain types of fences and zero in on what’s best for you in your price range.

As we previously mentioned, fences come in all shapes, sizes, and materials. When you first get started, the best question to ask yourself is “What is my fence’s purpose?” The answer might be as simple as “To keep the dog in the yard” or as complex as “To keep the dog in the yard, reduce noise, and increase privacy”.  Starting with your fence’s purpose will narrow down your search options.

TIP: When shopping for a fence, make sure you’ve written down the purpose of your fence and shared it with a company representative or sales representative at your local fence or hardware super store. This will help them guide you in the right direction.

Types of Fences

Once you have determined the purpose of your fence, the next step is to pick out which type of fence is right for you. Here are the main fence types from which you’ll be considering:

  • Privacy fences: If the purpose of your fence is to create privacy and to block sight lines, you need solid fencing, which means it’ll have tightly spaced vertical boards (pickets or framed panels) to prevent you from seeing out and others from seeing in.
  • Security fences: If the purpose of your fence is to keep people out, you’ll want a fence that’s at least six feet tall to hinder anyone from hopping over into your yard.
  • Decorative fences: If the purpose of your fence is to boost curb appeal, your fence doesn’t need to be nearly as large or obtrusive. You can choose one that’s just two to four feet tall, as well as one that has unique colors and creative designs.
  • Safety fences: To create an area for your dog to run, enclose a pool area, or deter wildlife from trespassing on your property—without changing the view—the most durable option is a wire fence, such as a chain link.

 Fence Material Options

Once you’ve identified which type of fence is right for you, it’s time to begin browsing the many types of fence materials. Fence materials can include wood, vinyl, aluminum, steel, and wrought iron to name a few. Choosing the right fence material is about personal preference, but you’ll want to take into consideration maintenance as well when selecting your fence material. For example, wood might require staining or painting, whereas a vinyl fence is much easier to maintain with an occasional power wash.

Here are some thoughts on the different types of fence materials:

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Wood panel fencing is commonly used as a decorative option for providing privacy in neighborhoods and for setting boundaries for small children and pets.

Split Rail (or Post-and-Rail) fencing adds a rustic or country look to a home’s landscape.

Vinyl is a good choice for an attractive, easy to maintain fencing system.

Decorative metal fencing offers the appearance of wrought iron, yet is made from powder-coated steel or aluminum. Available in a variety of styles and sizes, the components are easy to assemble, making this type of fencing a great do-it-yourself project.

Chain-link fencing (sometimes called hurricane fencing) is an economical way to enclose an area.

Garden and utility fencing is normally used to contain pets or to keep animals out of gardens. The material is available in rolls two to four feet high and up to 150 feet in length.

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As a quick summary, when it comes to purchasing a fence – consider your local homeowner or township zoning requirements, establish a budget, define your fence’s purpose, and consider your fence’s materials.

If you have picked out your perfect fence, but are lacking the proper funds to make the purchase, consider a personal loan from Mariner Finance. If you are still searching for your perfect fence and need some assistance, we can help with that too! We work with multiple reputable home improvement and fencing companies throughout the United States. Give us a call or visit your local Mariner Finance branch today to see if we can help with your financing needs.

Blog posts are for informational purposes only.

†We offer personal loans from $1,000 to $25,000, with loans terms from 12 to 60 months. Minimum and maximum amounts dependent on an applicant’s state of residence and the underwriting of the loan. Loans between $1,500 and $15,000 may be funded online. Loans greater than $15,000 or less than $1,500 are funded through our branch network. Specific interest rates and fees are determined as permitted under applicable state law and depend upon loan amount, term, and the applicant’s ability to meet our credit criteria, including, but not limited to, credit history, income, debt payment obligations, and other factors such as availability of collateral. Not all rates and loan amounts are available in all states. Additional fees may apply to some loan offers; some state required and/or permitted fees may be treated as prepaid finance charges. Any such charges shall be in addition to the loan amount requested and/or approved and shall be fully disclosed to the applicant on his/her loan agreement. Not all applicants will qualify for the lowest rates or larger loan amounts, which may require a first lien on a motor vehicle not more than ten years old titled in the applicant’s name with valid insurance. Our loan by phone and online closing process requires a compatible mobile or computer device on which you can access your email and electronic documents. Not all loan types are eligible for loan by phone or online loan closing.


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For any stated annual percentage rate (“APR”), the APR represents the cost of credit as a yearly rate and will be determined based upon an applicant’s credit at the time of application, subject to state law limits. A range of APR’s may be applicable, subject to state law limits and individual underwriting. Not all applicants will qualify for a lower rate. APR’s are generally higher on loans not secured by a vehicle, and the lowest rates typically apply to the most creditworthy borrowers. All terms and conditions of a loan offer, including the APR, will be disclosed during the application process. As an example, with an amount financed of $5,000.00 the borrower receives $5,000.00 at an APR of 29.99% and an interest rate of 28.77% which includes a finance charge of $3,640.96. Under these terms, the borrower would make 48 monthly payments of $180.02, for a total of payments of $8,640.96. The amount financed may not be the net proceeds paid if charges other than interest are included in the loan.


*The process uses a “soft” credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process online and accept a loan offer, or are referred to a branch and continue your application there, we will pull your credit report and credit score again using a “hard” credit inquiry. This “hard” credit inquiry may impact your credit score.



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