Metal Building Financing Options
A 10–20% refundable deposit locks your price. Then choose how to pay the rest. Alan’s Factory Outlet is not the lender.
No credit check
On balances up to $15,000 · early payoff option · 24 to 60 months
Up to $300,000
Terms up to 30 years · no impact to check your rate
$1,000 – $100,000
Terms 2 to 20 years · no impact to see pre-qualified offers
From 8.94% APR
Fixed-rate and promo plans · applying is a hard credit inquiry
Checking rates with HFS or Acorn won’t affect your credit. GreenSky applications are a hard inquiry. Rent-to-own has no credit check on balances up to $15,000.
How It Works With Us
STEP 1
Lock your price
Design your building and place a refundable deposit by credit card or Klarna at online checkout.
STEP 2
Choose how to pay
Apply with HFS, Acorn, GreenSky, or EZ Pay rent-to-own.
STEP 3
We deliver and install
Pay the rest after installation, or start monthly payments 30 days later.
This is not an Alan’s Factory Outlet loan. Financing and rent-to-own are provided by third parties, who set the approval, rates, and terms.
Klarna is available for online deposit only, not the remaining building balance. Subject to approval.
Compare All Four Providers
Compare
Type
Best for
Amounts
Terms
Rate / cost
Credit
Checking or applying
Early payoff
Type
Rent-to-own — not a loan
Best for
Rent toward ownership; no credit check on balances up to $15,000
Amounts
Balance up to $25,000 (homeowners) or $15,000 (renters) after your deposit
Terms
24 to 60 months (renters up to 48)
Rate / cost
Fixed rental payments; rental charges apply
Credit
No credit check on balances up to $15,000
Checking or applying
No credit check up to $15,000
Early payoff
Anytime, for the remaining cash price
Type
Loan marketplace
Best for
Homeowners with a primary or secondary home in their name, for personal use
Amounts
A few thousand dollars up to $300,000
Terms
Up to 30 years
Rate / cost
Varies by lender
Credit
Varies by lender; typically 640+
Checking or applying
No credit impact (soft inquiry)
Early payoff
No prepayment penalty
Type
Loan marketplace
Best for
Comparing personal loan offers from a network of lenders
Amounts
$1,000 to $100,000
Terms
Varies by lender; confirm your offer
Rate / cost
Varies by lender
Credit
Varies by lender; typically around 560+
Checking or applying
No impact on your credit score (soft pull)
Early payoff
No prepayment penalty
Type
Loan program, 4 plans
Best for
Choosing a fixed rate, no payments for 6 months, or a 12-month promo plan
Amounts
Up to $100,000
Terms
Up to 15 years
Rate / cost
8.94%–12.16% APR on fixed plans
Credit
Lender decides
Checking or applying
Hard credit inquiry when you apply
Early payoff
Check the plan agreement
Vacant land, commercial use, or property held in an LLC or trust usually needs a different option. See HELOC and other choices below, or contact us.
Rent-to-Own With EZ Pay Buildings — No Credit Check
Your 10–20% deposit is your only up-front cost. No credit check on balances up to $15,000, no processing or early pay-off fees, and you’ll see your total cost to own before you apply. Pay it off at any time for the remaining principal.
No credit check
On balances up to $15,000 after your deposit
Low deposit, 10–20%
Your deposit is your only up-front cost
No hidden costs
It’s a lease, not a loan — no processing fee and no early pay-off fee. Your total cost to own is shown before you sign.
Principal-Only Payoff
Your payoff is the remaining principal at any month — so you’re never in negative equity or “upside down” on your building.
Total cost: if you make all 36 payments you will pay $13,100.60 — $6,100.60 more than the $7,000.00 cash price. Pay it off early and you pay less: payoff is always the remaining principal.
How rent-to-own works
1
Design your building: Use our 3D builder or call us. Pay your deposit (10–20%, based on price) and you’re set.
2
Apply with EZ Pay: Takes 10–15 minutes online, or we’ll text you the link. No credit check on balances up to $15,000..
3
Delivered & installed free: Your first payment is due 30 days after installation.
Who qualifies
Rent-to-own questions
Unlike a loan, EZ Pay rent-to-own includes a liability waiver that covers repairs or total loss from storms and other acts of God, and it’s built into your monthly payment — nothing extra to buy. Coverage terms are set by EZ Pay Buildings; ask us or EZ Pay for the specifics before you sign.
30 days after delivery and installation. Any months collected at signing are applied to the end of your contract.
No. Landlords don’t sign anything. You’ll just provide their contact information on the application.
Yes, at any time, with no early pay-off fee. Anything you pay over the minimum is held in a credit account and goes 100% toward your payoff.
Rent-to-own is a lease, not a loan, so there’s no APR. But renting to own does cost more than paying cash. Your contract shows the cash price, your monthly payment, the number of payments, and your total cost to own before you sign. You can buy the building outright at any time for the remaining cash price instead of the rest of your payments, which can save you a lot. Ask us for a payoff quote on any plan.
Rent-to-own is provided by EZ Pay Buildings, LLC. Alan’s Factory Outlet is not the lender. A credit check applies when the balance after deposit exceeds $15,000; maximum balance $25,000 for homeowners and $15,000 for renters. Monthly estimates exclude sales tax unless a rate is entered; actual tax is based on the delivery address. Renters’ terms limited to 48 months. Payment estimates are for illustration only and are not an offer, quote or guarantee; actual payments, terms, deposit and eligibility are determined solely by EZ Pay Buildings and will be shown on your EZ Pay contract. All rent-to-own agreements are subject to approval by EZ Pay Buildings; approval is not guaranteed.
HFS Financial — Larger Amounts and Longer Terms
You don’t need home equity, an appraisal, or a refinance to get started. Check a metal building loan through HFS Financial in about a minute.
Why customers use HFS:
HFS is typically a good fit if you own a primary or secondary home in your name and want a garage, carport, or workshop for personal use.
Example only, not a quote: about $181 a month for a $15,000 loan at 7.8% over 10 years. That 7.8% is an example interest rate, not an APR. Your rate and payment depend on credit, income, and the lender you match with.
Finance your metal building
via HFS Financial · personal loans for garages and carports
HFS Financial is a loan marketplace, not a lender. Alan’s Factory Outlet is not a lender. Checking your rate does not affect your credit. Approval, rates, and terms are set by unaffiliated third-party lenders.
Acorn Finance — Compare Personal Loan Offers
Acorn Finance partners with a network of lenders so you can search personal loan offers and break the project into monthly payments.
Why customers use Acorn:
How to apply
Check pre-qualified offers (soft pull).
If you’re pre-qualified, choose an offer and apply for final approval with the lender.
Once approved, you could get funded in as soon as 24 hours. Use those funds to pay your project costs.
If you apply for a specific offer, the lender will conduct a hard credit pull, and this could impact your credit score. Funding times may vary.
Compare monthly payment options from multiple lenders
via Arcon Finance · personal loans for garages and carports
No impact on your credit score
Good to know:
- Advertised HFS rates starting in the mid-7% are for well-qualified borrowers. Many people pay more.
- A longer term lowers the monthly payment but costs more interest. You can pay extra anytime.
- HFS and Acorn are loan marketplaces. The first estimate or pre-qualified offer can change after underwriting.
- Approval is not guaranteed. Funding times may vary.
HFS Financial is not a lender (NMLS / MD CSB #1680766). Acorn Finance is not a lender; it partners with lenders to make loans available. Alan’s Factory Outlet is not a lender and does not approve loans. Rates, fees, and terms are set by unaffiliated third-party lenders, subject to credit approval, and can change. Prequalifications use a soft credit pull that does not impact your credit score. If you express interest in a specific offer, the funding partner will conduct a hard credit pull, and this could impact your credit score.
GreenSky Financing — Four Plans to Choose From
Apply online in a few minutes for a GreenSky® Program loan. Choose the plan that fits your budget, get a decision from the lender, and we’ll finalize your building order once you’re approved. Alan’s Factory Outlet is not a lender.
PLAN 2830
11.21% APR
Fixed Rate
For 120 months (10.99% fixed periodic interest rate).
One fixed monthly payment for the full term.
PLAN 1069
8.94% APR
No Payments for 6 Months
Based on 0% interest for 6 months with no payments required during the Promo Period; then 120 monthly payments based on a 9.99% interest rate.
PLAN 1519
12.16% APR
Fixed Rate, 15-Year Term
For 180 months (11.99% fixed periodic interest rate).
Spread the cost over the longest term we offer.
PLAN 2613
No Interest if Paid in Full in 12 Months
Interest is billed during the 12-month Promo Period but waived if the amount financed is paid in full by the end of it.
84 monthly payments required, including during the Promo Period. APR rates range from 17.99%–29.99%.
How to apply
1
Price Your Building: Use our instant pricing or 3D builder to settle on the building you want.
2
Ask us For Your Application Link: Call or message us with the plan you’d like. We start the request in the GreenSky® Program for your building amount and send you a secure link by text or email.
3
Complete The Application Yourself: You enter your information and sign on GreenSky’s secure site. Submitting an application results in a hard credit inquiry. Have a government-issued ID, your email and mobile number ready.
4
Approved? We finalize your order: Review and activate your loan agreement, then we schedule delivery and installation.
Monday–Friday, 8–6 Eastern
Loans for the GreenSky® consumer loan program are offered and made by federally insured, federal or state chartered financial institutions providing credit without regard to age, race, color, religion, national origin, gender, disability, or familial status. A list of financial institutions currently providing loans through the GreenSky® Program is available at www.greensky.com/bank-partners. GreenSky Servicing, LLC services the loans on behalf of your lender, NMLS #1416362. www.nmlsconsumeraccess.org. GreenSky® is a registered trademark of GreenSky, LLC and is licensed to banks and other financial institutions for their use in connection with that consumer loan program. GreenSky Servicing, LLC is a financial technology company that manages the GreenSky® consumer loan program by providing origination and servicing support to banks and other financial institutions that make or hold program loans. GreenSky, LLC and GreenSky Servicing, LLC are not lenders. All credit decisions and loan terms are determined by program lenders.
All Four Financing Options on One Page
Download or print a side-by-side summary of EZ Pay Buildings, HFS Financial, Acorn Finance and GreenSky to compare at home or share with your family.
Home Equity Line of Credit
Vacant land, commercial use, or property held in an LLC or trust usually needs a different option. See HELOC and other choices below, or contact us.
Use your home equity to secure a better interest rate. If you want to get a HELOC online, Figure is a popular online lender that has a fairly quick and easy application process.
Visit the Figure website for details.
Pros
Cons
Cash-Out Refinance
Refinance your mortgage and lower your interest rate while getting funds for your garage.
Metal Building Financing
For larger purchases, like a carport, metal garage, or metal building, a traditional mortgage is a good option. New Century Bank specializes in loans for steel frame buildings, making them a great lender to contact.
It’s best to lock in your price with a deposit while you arrange financing, so you’ll know the exact amount you need to borrow and won’t have to worry about price increases.
Not sure what to choose?
Our free buyer’s guides and expert advice can help you make the best decision for your needs. Contact us today or download a guide for more info.
Get an Instant Price for Your Custom Garage
100,000+ Customers and Counting
Absolutely awesome website!!! Loved this purchasing experience, as it was the easiest I have ever made online!!! The product is just what I was looking for and at a cost that I was looking for too. Everything made here in the good 'ole USA! I HIGHLY RECOMMEND Alan's Factory Outlet!!!
This is the 4th building I've ordered from you so far. Always been extremely pleased. Have no reason to think this time will be any different. You guys always do a AWESOME job!!
The online metal carport configurator on this site is incredible. The level of detail and modularity is outstanding, and I don't know of any other retailer that can compete. Every price is clearly defined, which gave me total peace of mind and made the entire buying process incredibly easy!
This is my 3rd carport I have ordered. I will buy from Allan's if I ever need another and recommend these buildings.
Your website was very easy to design and try different options for my carport. And when I was confused about something, I placed a phone call and got the answers to my questions. I highly recommend you try their website.
Very easy to order and customize. I wish I had bought it sooner! I love it and I am very happy with it!
This will be our second shop purchased from you, very happy with the first purchase and plan to make a 3rd purchase in the near future…
This is my second carport purchase from you. I bought my first one 10 years ago and it is still being used today.
The website and deposit process is super user friendly. Second purchase using this method. Highly recommend.
Both structures went up so fast it was hard to believe. The crew were very friendly. Nothing I can even complain about. Thanks
Website for design was very easy to use, and allowed for post design editing without having to trash and start again. Phone service was also top notch!
The website was fun to play with and very helpful to design exactly what I was looking for. I'm not trying to toot anybody's horn here, but this might honestly be the best website I have ever used to buy something on. Kudos, boys!
I have purchased buildings from Alan's before and have been extremely pleased with the whole process and quality of the buildings
I recently received my carport and I am extremely happy with it. The quality is excellent, and it perfectly meets my needs. Thank you for a great product!
I HAPPILY RECOMMEND INVESTING IN AN ALANSFACTORY OUTLET CARPORT . ORDERING MY CARPORT WAS VERY EASY, NO PROBLEMS WHATSOEVER. I APPRECIATE THE STAFF, PROFESSIONAL AND KNOWLEDGEABLE. THANK YOU, VIRGINIA CAMPBELL
so far this has been a wonderful experience. Your web page was easy to navigate, as well as easy to build the carport I wanted. I called with questions that were answered by a real person.
Website is fantastic. Able to easily design and modify my garage to my specifications. Emily is customer service has been very helpful and responsive to my questions.
It has been clear and concise, adaptable to the size requirements needed, very user friendly. A tremendous value for the system I purchased for my company.
Very user-friendly site with great 3-D builder feature for planning the product you want. Professional all the way, and thank you for the blessing, and may God bless you as well.
I just ordered so this review is just for the ordering process: Very easy to use website, informative, great options, all upgrades list prices, read many online reviews which gave me confidence to try this company.
Why Shop Alan’s Factory Outlet for Metal Buildings?
Free Delivery and Professional Installation in 21 States
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