Alan’s Metal Building Buyer's Guide

By now, you should have a pretty good idea about how much your garage will cost.

You know:

• The cost of the prefab garage you want, including installation
• The cost of permits
• The cost of a concrete foundation for your garage

Once you total those up, you’ll know the total cost of your project and how much financing you may need (if any). If you’ve got the cash you need to pay for everything, you just need to order your garage to get started. You only need to pay us a deposit when you order, which is usually between 10% and 17% of the total. The balance isn’t due until after the garage is installed (unless you are ordering a very large garage over $15,000, in which case 50% of the balance is due when your installation is scheduled). You can pay both amounts with any major credit card.

If you need a way to finance your metal building, here are some options:

We don’t lend in-house. That keeps pricing simple: you arrange financing with a lender, funds go to you, and you pay us like a cash customer. Delivery and installation are included.

You can check HFS Financial, Acorn Finance, or both. Checking a rate or pre-qualified offers is a soft inquiry and should not 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 a rate · we are not the lender

Personal Loan

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.

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.

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

How it works with us

This is not an Alan’s Factory Outlet loan. A third-party lender sets the approval, rate, and fees.

A good fit if you own a primary or secondary home in your name and want a garage, carport, or workshop for personal use.

Vacant land, commercial use, or property held in an LLC or trust usually needs a different option.

Print or save a 2-page HFS summary:

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 it works with us

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:

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.

Second Mortgage or Home Equity Line of Credit (HELOC). If you have an existing mortgage or your home has gained value since you bought it, you may be eligible for a second mortgage or a home equity line of credit (HELOC). Similar to a standard mortgage, these loans are backed by the value of your home.

Since they’re secured by your property, interest rates are usually quite competitive. A second mortgage is best suited for a one-time purchase, while a HELOC works as a revolving line of credit that can be used multiple times as needed. This flexibility allows you to fund your project and use the credit for other major expenses or emergencies. Some HELOCs are more adaptable than others, so it’s a good idea to compare offers from different banks. If your loan application is declined due to low income or equity, consider checking with a local credit union, as they may still approve your request. Be aware that this process involves significant paperwork and can take time for approval.

Zero-Interest Card. If you can repay the full amount within two years, a zero-interest credit card could be a good option. Some cards offer up to 21 months with no interest, but be sure to check the terms and ensure your credit limit covers the full cost.

Cash-Out Refinance. If your mortgage has a high interest rate, a cash-out refinance can provide funds for your metal building while potentially lowering your rate. In some cases, it can even reduce your mortgage payments. Keep in mind that closing costs apply, and they can be quite expensive.

Place Your Order

Once your financing is secured, you’re ready to order. If you’ve saved your design, open the email containing your design link and access it in the online builder. If you can’t locate your saved design or need to start fresh, visit the 3D Metal Building Builder on our website.

When everything looks good, submit your order and pay the deposit to lock in your price.

After placing your order, my team will provide details on permit applications and site preparation. Your order will be held until your permit is approved and your site is ready.

Once you have everything ready, we’ll notify the manufacturer, and your order will be put in a queue for scheduling. If you need to make customizations to your design that aren’t possible with the 3D Metal Building Builder, just give me a call at 1-800-488-6903.