Financing a fence through a contractor and directly through a lender each has its own set of pros and cons. Financing through a contractor can be convenient, with potential for bundled deals, but it might limit your loan options and result in higher interest rates. Direct financing through a lender offers more choice, potentially lower rates, and greater transparency. However, it may require more effort in finding the right lender and negotiating terms. Ultimately, the choice depends on your specific circumstances, so consider factors like interest rates, loan terms, and your financial situation when deciding between the two options.