Skip to main content
Sale — Save Up to 43% on All Metal Buildings!
Garage Buildings
Flexible Payment Options

Your Building. Your Budget. Your Terms.

From traditional financing with terms up to 20 years to no-credit-check Rent-to-Own options, we offer flexible payment solutions for homeowners, businesses, and farms.

100,000+

Buildings Delivered

29+ Yrs

In Business Since '97

Same Day

RTO Approval

Up to 20yr

Financing Terms

No Hidden Fees
Free Delivery & Install
20-Year Warranty
Engineer Certified
Two Paths to Ownership

Compare Your Options

Compare traditional financing and no-credit-check Rent-to-Own options to find the best fit for your project and budget.

Traditional Financing

via HFS Financial

1,500+ reviews

Best for larger projects & long-term ownership

  • Up to 120% financing coverage
  • Terms up to 20 years
  • No equity or appraisal needed
  • Direct-to-consumer funding
  • Available nationwide
  • Multiple lenders compete for you
Most Popular

Rent-to-Own

No credit check needed

Same-Day Approval
23 States

Get your building now and pay monthly

  • No credit check required
  • Same-day approval
  • 48–60 month terms
  • Available up to $20,000
  • Monthly or bi-weekly payments
  • Own it at the end of term
Call to Check RTO Eligibility
Simple Process

How It Works

Whether you choose financing or Rent-to-Own, the process is simple—from application and approval to delivery and installation.

Financing Process

via HFS Financial

1

Choose Your Building

Customize size, style, and options with our team

2

Apply with HFS Financial

Quick online application — takes just minutes

3

Get Approved & Funded

Direct-to-consumer funding at competitive rates

4

Free Delivery & Installation

Professionally manufactured, delivered, and installed

Rent-to-Own Process

No credit check

1

Select & Customize

Choose your size, style, and options

2

Check Eligibility

Call (888) 234-0475 to verify RTO eligibility

3

Submit Application

Same-day approval — no credit check needed

4

Free Delivery & Installation

Manufactured and professionally installed

5

Make Payments & Own It

Affordable monthly or bi-weekly until it's yours

RTO Details

Rent-to-Own Details

Find out if Rent-to-Own is available in your state and estimate your monthly payment with no credit check required.

RTO Payment Calculator

Estimate your monthly rent-to-own payment

$5,000
$1,000$20,000
Estimated Monthly Payment~$104/month
No Credit Check
Same-Day Approval
Call to Check Eligibility

*Estimated payments for illustration only. RTO available up to $20,000 depending on location. Actual terms may vary by partner (EZPay 48 mo., RTO National & Heartland up to 60 mo.). Call for exact pricing.

Available in 23 States

AL
AR
CO
CT
GA
IL
IN
KS
KY
LA
MD
MO
MS
NC
NJ
NM
OH
OK
PA
SC
TN
TX
VA

Coverage expanding — call (888) 234-0475 to check your area.

RTO Requirements

  • Must be a homeowner (landlord waiver available for renters)
  • Building must be certified
  • Building total up to $20,000
  • Available in most states
Trusted Partners

Our RTO Partners

Get your building now and pay monthly through our trusted Rent-to-Own partners. Available for projects up to $20,000 in eligible states with no credit check required.

EZPay Buildings

48-month terms

Exclusive partner with streamlined approval

RTO National

Up to 60-month terms

Wide coverage across most states

Heartland

Up to 60-month terms

Flexible payment schedules available

Customer Stories

What Our Customers Say

Real stories from real building owners across the country.

"HFS made the financing so easy. Approved in 24 hours and installed within 6 weeks!"

Michael T.

Georgia

Financing

"No credit check and same-day approval — I couldn't believe how smooth it was."

Sarah L.

Texas

Rent-to-Own

"The RTO payment fit perfectly in our monthly budget. Now we own a beautiful 30x40 garage!"

David & Kim R.

North Carolina

Rent-to-Own

Have questions about financing or rent-to-own?

(888) 234-0475

Mon–Fri 9am–6pm EST · Free, no-obligation consultation

Financing & Rent-to-Own FAQ

How much do metal buildings cost?
Metal building pricing depends on size, roof style, gauge of steel, customizations, and your location. Every quote is personalized to your exact needs and includes free delivery and professional installation — no hidden fees. Call us at (888) 234-0475 or request a free quote online to get your price.
Is delivery and installation really free?
Yes! We include free delivery and professional installation on all metal buildings within our service area covering the contiguous United States. There are no hidden fees or surprise charges. Your quote includes everything — delivery, installation, and anchoring. Our installation crews typically complete most residential buildings in one day.
What is the rent-to-own (RTO) program?
Our RTO program lets you get your building now and pay over time with no credit check required. You'll work with one of our approved RTO partners (EZPay Buildings, RTO National, or Heartland) with terms of 48-60 months. Financing up to $20,000 is available. There's no penalty for early payoff and your payments go toward full ownership. Available in most states — call us to check eligibility.
What financing options are available?
We offer two main financing paths: (1) Traditional financing with approved credit for terms up to 60 months at competitive rates, and (2) Rent-to-own (RTO) with no credit check required and terms up to 60 months. Both options include low monthly payments. Contact us at (888) 234-0475 to discuss which option works best for your budget.
Why don't you list prices on the website?
Metal building prices vary significantly based on your location, the current cost of steel, building size, roof style, and customizations. Rather than showing outdated or inaccurate prices, we provide free personalized quotes so you get the real price for your specific building and location.
What credit score do I need for metal building financing?
Financing requirements vary by lender. We work with multiple financing partners who offer options for a range of credit profiles. The rent-to-own program has no credit check at all — just a valid ID, proof of income, and proof of land ownership or lease.
How much is the monthly payment on a metal building?
Monthly payments depend on the building price, your down payment, financing term, and interest rate. Contact us at (888) 234-0475 for a personalized payment estimate based on the specific building you are interested in.
What is included in the price of a metal building?
Your quoted price includes the complete building package: all steel framing, roof and wall panels, trim, fasteners, anchors, doors as specified, plus free delivery and professional installation. The only thing not included is your site preparation and foundation.
Do metal building prices change throughout the year?
Yes. Steel prices fluctuate based on raw material costs and market conditions. Prices can increase or decrease over time. Locking in your order with a deposit secures your price — even if steel costs rise before your installation date.
Can I put a metal building on rented or leased land?
For rent-to-own, you typically need proof of land ownership or a long-term lease. For financed buildings, requirements vary by lender. Metal buildings can be relocated in some cases, so talk to your building specialist about your situation.
What happens if I miss a rent-to-own payment?
Contact your RTO provider immediately if you anticipate a missed payment. Most providers have grace periods and will work with you to find a solution. Consistent late or missed payments may result in the building being repossessed.
What factors affect the price of a metal building?
The main factors are: (1) size — width, length, and height directly impact material quantity, (2) steel gauge — 12-gauge framing costs more than 14-gauge but adds strength, (3) roof style — vertical roofs cost more than regular or boxed eave but offer better weather performance, (4) enclosure level — fully enclosed buildings cost more than open carports, (5) doors and windows — each opening adds cost, and (6) certifications — wind and snow load engineering adds a nominal fee. Contact us for a free, no-obligation quote tailored to your exact needs.
How does building size affect the price per square foot?
Larger buildings generally cost less per square foot than smaller ones because fixed costs like delivery, setup, and base framing are spread over more area. A 30x40 building is significantly more cost-effective per square foot than a 12x20.
Are there any extra costs beyond the quoted price?
Your quote includes the complete building, delivery, and installation. Additional costs you should budget for separately include site preparation (grading and leveling), your foundation (concrete pad or gravel), electrical wiring, and any building permits required by your jurisdiction.
Are there any hidden fees or costs I should know about?
No. Our quoted prices include free delivery and free professional installation on your prepared site. The price you're quoted is the price you pay — no surprise fees for fuel, mileage, or labor. The only additional costs would be for site preparation (concrete pad or gravel) which is handled by you or a local contractor before we arrive, and any required permits from your local building department.
Is there a minimum or maximum building size for financing?
Most financing and RTO programs are available for buildings of all sizes we offer. Very large commercial buildings may require different financing arrangements. Call us to discuss the best financing option for your specific project.
Does upgrading the roof style cost more?
Yes — vertical roof is the most durable option and costs slightly more than boxed eave or regular roof styles. However, many customers find the investment worthwhile because vertical roofs last longer, shed snow and debris better, and require less maintenance.
How do I get a quote?
Getting a quote is free and easy! You can: (1) Fill out our online quote form on any page, (2) Call us directly at (888) 234-0475, or (3) Use our Design Tool to configure your building and submit a quote request. We'll provide a detailed, personalized quote with no obligation. Most quotes are returned within 24 hours.
What is the difference between financing and rent-to-own?
Traditional financing is a loan — you own the building from day one and make payments to the lender. Rent-to-own (RTO) is a lease-purchase agreement — you rent the building with the option to purchase it at the end of the term. RTO requires no credit check and only needs proof of income and a valid ID, making it accessible to more customers. Financing typically offers lower total cost, while RTO offers easier qualification and flexibility.
Do you offer a price match guarantee?
Yes! We guarantee to match or beat any competitor's price for a comparable metal building with equivalent specifications. Simply provide us with the competitor's written quote and we'll match or beat it. We're committed to giving you the best value in the industry.
Can I pay off my rent-to-own building early?
Yes, and we encourage it. Our RTO program has no early payoff penalty. You can pay off the remaining balance at any time during your contract and immediately own the building outright. Many customers use RTO as a way to get their building installed quickly and then pay it off within the first year or two to save on the total cost. Contact your RTO provider directly to get a current payoff amount.
Who qualifies for the rent-to-own (RTO) program?
Almost everyone qualifies. There is no traditional credit check — you just need proof of income (such as a pay stub or bank statement) and a valid government-issued ID. The RTO program allows you to make monthly payments and own the building at the end of the term. You can also pay off the remaining balance early at any time with no penalty. It is one of the easiest ways to get a metal building if you prefer not to pay in full upfront.
Can I finance a large commercial building?
Yes. For larger commercial structures, we work with several financing partners who offer competitive rates and terms. Options include traditional financing with credit approval, equipment loans, and SBA-eligible financing for qualifying businesses. Your building specialist can walk you through the available financing options based on your building size and business needs.

Ready to Get Started?

Whether you choose financing or rent-to-own, we'll help you find the best payment option. No pressure, no obligation.

Call For Free Quote

No Parts • No Repair Service • No Relocation

Call For Instant Quote

No Parts • No Repair Service • No Relocation