Finance your garage or metal building
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 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.
Good to know
Advertised 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 is a loan marketplace. The first estimate can change after underwriting.
Approval is not guaranteed.
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.
If you obtain a loan through our HFS link, Alan’s Factory Outlet may receive a reward from that program. That does not change the rate you are offered.