Rent to own with EZ Pay Buildings — no credit check under $15,000
Yes, you can rent to own any carport, garage or steel building through EZ Pay Buildings. Your 10–20% deposit is your only up-front cost, there’s no credit check on balances up to $15,000 after your deposit. Your payoff is the remaining principal at any month — so you’re never in negative equity or “upside down” on your building.
Who qualifies
Homeowners: terms up to 60 months, balances up to $25,000 after deposit
Renters: terms up to 48 months, balances up to $15,000 after deposit, no landlord signature needed
A credit check applies when the balance after deposit is over $15,000
How it works
Design your building and pay your deposit to lock the price.
Apply online with EZ Pay (about 10 to 15 minutes). Your contract is sent by email or text.
We deliver and install free. Your first payment is due 30 days after installation.
Monthly payments depend on your building price, term, and whether you own or rent where the building will go. Use the payment estimator on our financing page to see your numbers:
See payment options: https://alansfactoryoutlet.com/financing/#rent-to-own
Rent-to-own is provided by EZ Pay Buildings, LLC. Alan’s Factory Outlet is not the lender. Payments, terms, deposit and eligibility are determined by EZ Pay Buildings and shown on your EZ Pay contract. All agreements are subject to EZ Pay approval; approval is not guaranteed.
How financing works with us
You can check HFS Financing or Acorn Finance (soft pull), or ask us for a GreenSky application link.
Design your building and place a refundable deposit by credit card or Klarna at online checkout.
Start your EZ Pay rent-to-own application, check HFS or Acorn (soft pull), or ask us for a GreenSky link (hard pull).
HFS and Acorn send funds to you; EZ Pay and GreenSky pay toward your building.
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. Klarna is available for online deposits only, not the remaining building balance. Subject to approval.
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.
Check your rate with HFS Financial (no credit impact): https://www.hfsfinancial.net/promo/6ab1518329e6f358775c7f79/
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.
Check pre-qualified offers with Acorn Finance (no credit impact): https://www.acornfinance.com/pre-qualify/?d=GHR0Z&utm_medium=web_pre_qual_banner
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.
GreenSky: fixed-rate and promotional plans
Financing through GreenSky® lets you choose a plan up front. We start the application for your building amount and you complete it yourself on GreenSky's secure site. Alan's Factory Outlet is not a lender.
Why customers use GreenSky
· Four plans to choose from, including a no-payments-for-6-months option
· Fixed APRs on the long-term plans
· Terms up to 180 months
· Funds are paid toward your building; no need to move money yourself
GreenSky Plans
Plan 2830 – Fixed Rate: 11.21% APR for 120 months (10.99% fixed periodic interest rate).
Plan 1069 – No Payments for 6 Months: 8.94% APR 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.
Plan 1519 – Fixed Rate, 15-Year Term: 12.16% APR for 180 months (11.99% fixed periodic interest rate).
Plan 2613 – 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
1. Price your building with our instant pricing or 3D builder.
2. Call us at 1-800-488-6903 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.
3. Complete the application yourself 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.
4. If approved, review and activate your loan agreement, then we schedule delivery and installation.
See plans: https://alansfactoryoutlet.com/financing/#greensky
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.
