Metal Building Financing Options
A 10–20% refundable deposit locks your price. Finance the rest with HFS Financial, Acorn Finance, or GreenSky — or rent-to-own through EZ Pay Buildings with no credit check.
We’re not the lender. Checking rates with HFS or Acorn won’t affect your credit; GreenSky applications are a hard inquiry.
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
Rent-to-Own · No Credit Checkvia EZ Pay Buildings · 10–20% deposit · no credit check on balances up to $15,000
Get a Custom Metal Building at Unbeatable Factory-Direct Prices
Instant Online Pricing
Exact price online for metal buildings—no calls, no forms.
Free Delivery & Installation
We deliver and install at no extra cost in our service areas.
Certified Quality
U.S.-made steel, 1-year workmanship warranty.
100,000+ Satisfied Customers
23 Years of factory direct prices
How It Works With Us
STEP 1
Design your building and place a refundable deposit to lock the price.
STEP 2
Check Acorn or HFS (soft pull), or ask us for a GreenSky application link (hard pull).
STEP 3
If approved through Acorn or HFS, funds go to your account — not to Alan’s Factory Outlet. If approved through GreenSky, the loan is paid toward your building.
STEP 4
Pay the remaining balance after installation. Larger buildings may need a payment when installation is scheduled.
Rent-to-Own With EZ Pay Buildings — No Credit Check, No Interest
Your 10–20% deposit is your only up-front cost. No credit check on balances up to $15,000, no interest, no hidden fees, and you can pay it off at any time for the remaining cash price.
How rent-to-own works
Who qualifies
- Homeowners: terms up to 60 months, balances up to $25,000 after your deposit (two buildings OK)
- Renters: terms up to 48 months, balances up to $15,000 — no landlord signature needed
- Available on all carports, garages and steel buildings
- Storm protection included: EZ Pay’s liability waiver covers repairs or total loss from storms and other acts of God — built into your payment, no separate policy to buy
Rent-to-own questions
Is there interest?
No. Rent-to-own isn’t a loan, so there’s no interest rate or APR. Your monthly payment is a fixed rental amount, and you can buy the building outright at any time for the remaining cash price — not the total of your remaining payments. Ask us for a payoff quote on any plan.
Can I pay it off early?
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.
Do I need a landlord’s signature if I rent?
No. Landlords don’t sign anything. You’ll just provide their contact information on the application.
What if a storm damages my building?
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.
When is my first payment?
30 days after delivery and installation. Any months collected at signing are applied to the end of your contract.
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.
Finance Your Garage or Metal Building
If you’re approved, the money comes to you. Checking a rate or pre-qualified offers is a soft inquiry and should not affect your credit score.
Best for
Loan amounts
Terms
Credit
What it can cover
Funding speed
Early payoff
Home equity, appraisal, or lien
Checking your rate
HFS Financial
Best for
Homeowners with a primary or secondary home in their name, for personal use
Loan amounts
A few thousand dollars up to $300,000
Terms
Up to 30 years
Credit
Varies by lender; typically 640+
What it can cover
The building plus extras like a slab or permits
Funding speed
As little as 1 business day after approval
Early payoff
No prepayment penalty
Home equity, appraisal, or lien
Not required, no lien on your house
Checking your rate
No credit impact (soft inquiry)
Acorn Finance
Best for
Comparing personal loan offers from a network of lenders
Loan amounts
$1,000 to $100,000
Terms
2 to 20 years
Credit
Varies by lender; typically around 560+
What it can cover
Your project costs
Funding speed
As soon as 24 hours after approval
Early payoff
No prepayment penalty
Home equity, appraisal, or lien
Typically not required; most offers are unsecured with no lien on your house
Checking your rate
No impact on your credit score (soft pull)
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.
This is not an Alan’s Factory Outlet loan. A third-party lender sets the approval, rate, and fees.
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 Acorn 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
Financing through GreenSky®
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.
Fixed Rate
for 120 months (10.99% fixed periodic interest rate).
One fixed monthly payment for the full term.
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.
Fixed Rate, 15-Year Term
for 180 months (11.99% fixed periodic interest rate).
Spread the cost over the longest term we offer.
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
Price your building
Use our instant pricing or 3D builder to settle on the building you want.
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.
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.
Approved? We finalize your order
Review and activate your loan agreement, then we schedule delivery and installation.
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.
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
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 is my 3rd carport I have ordered. I will buy from Allan's if I ever need another and recommend these buildings.
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.
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.
Why Shop Alan’s Factory Outlet for Metal Buildings?
Free Delivery and Professional Installation in 21 States
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