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 a loan marketplace, not a lender (NMLS #1680766). 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 and can change.
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.