Metal Building Financing Options
You don’t need the full amount in cash today. Place a 10–20% refundable deposit to lock today’s price, then check HFS Financing or Acorn Finance. We don’t lend in-house — funds go to you, and you pay us like a cash customer. Checking offers won’t affect your credit score.
via HFS Financial · no impact to check a rate · we are not the lender
via Acorn Finance · no impact to check pre-qualified offers · we are not the lender
Finance Your Garage or Metal Building
If you’re approved, the money comes to you. Place a refundable deposit with us to lock today’s price, then pay the rest after installation like a cash customer.
You can check HFS Financing, Acorn Finance, or both. Checking a rate or pre-qualified offers is a soft inquiry and should not affect your credit score.
How it works with us
- Design your building and place a refundable deposit to lock the price.
- Check HFS, Acorn, or both (soft pull either way).
- If approved, funds go to your account — not to Alan’s Factory Outlet.
- Pay the remaining balance after installation. Larger buildings may need a payment when installation is scheduled.
This is not an Alan’s Factory Outlet loan. A third-party lender sets the approval, rate, and fees.
HFS Financing — 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
- No home equity, no appraisal, and no lien on your house
- Terms up to 30 years, so the monthly payment can stay lower
- Loan amounts from a few thousand dollars up to $300,000
- Credit often considered in the low 600s
- Can cover the building plus extras like a slab or permits
- No prepayment penalty if you want to pay it off early
- Funds go to you, not to Alan’s Factory Outlet
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.
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.
HFS Financial is not a lender (NMLS / MD CSB #1680766). 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.
Print or save a 2-page HFS summary: Download PDF
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
- No impact to your credit score when checking pre-qualified offers
- Loan amounts from $1,000 to $100,000 with competitive APRs
- Terms from 2–20 years to help spread out your payments
- If approved, you could get funded in as soon as 24 hours
- Funds go to you, then pay us like a cash customer
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.
Print or save a 1-page Acorn summary: Download PDF
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.
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.
Home Equity Line of Credit
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.
Get an Instant Price for Your Custom Garage
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.
Perfect building perfect customer service and this is my 3rd structure they have built for me. Love them!
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!
Customer service was top notch! Love the new building. Contractors that set it up were well trained and did an amazing job
Easy navigation on website. Loved the customization feature. Exceptional quality of product & installation.
We were so excited to finally purchase and have a new carport installed. The entire experience was better than we could have imagined and it looks great!!
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.
Love the site. Easy to use and design carport and see what we are getting. Was able to design my carport to my specific design and see what it would look like. Was able to add just the things I needed and nothing else. Loved using the site. If I ever need another shelter, will order from Alan's again.
This will be my third carport from Allen's and as always the experience is always perfect!!
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 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.
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