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:
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 a rate · 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
See GreenSky plans and how to apply →
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
Example only, not a quote: about $181 a month for a $15,000 loan at 7.8% over 10 years. Your rate and payment depend on your credit, income, and the lender you match with.
How it works with us
Design your building and place a refundable deposit to lock the price.
If approved, funds go to your account.
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.
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
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:
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.
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
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
- 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
- Available on all carports, garages and steel buildings
Rent-to-own questions
What is the APR?
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.
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.
When is my first payment?
30 days after delivery and installation. Any months collected at signing are applied to the end of your contract.
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.
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.
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.
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.
In the next chapter, I’ll guide you step by step through the permit process.
