Get Carports offers one of the best financing programs in the metal building industry. Own your building from day one with competitive fixed rates starting at 6.9% APR. Loan amounts up to $50,000 for residential garages — or up to $350,000 for commercial structures ($1M case-by-case). Terms available up to 15 years, with payments that don't start until after installation.
Our program works with both prime and subprime credit scores (minimum 595). You can include the cost of concrete, permits, delivery, installation, and the building itself in a single loan — making the entire process faster, easier, and stress-free. Apply online or call to get started.
APR From
6.9%
Max Term
15 Yrs
Residential
$50K
Commercial
$350K
Requirements
Benefits
Lower total cost than rent-to-own, immediate ownership, and flexible terms up to 15 years.
Affordable fixed interest rates. Works with both prime and subprime credit — minimum score of 595.
Choose repayment terms that fit your budget. Longer terms mean lower monthly payments on larger buildings.
Affixed metal garages bolted to concrete qualify for loan amounts up to $50,000 — or up to $100,000 on a case-by-case basis.
Commercial and business-use metal structures qualify for up to $350,000 — or up to $1,000,000 on a case-by-case basis.
Unlike rent-to-own, you own the building immediately. Builds equity and adds real value to your property.
Pay off your balance early at any time with zero fees or penalties. No surprises, no hidden charges.
Include the cost of concrete, permits, delivery, installation, and the building itself — all in one loan amount.
Applications submitted before 3:00 PM Central Time have a higher chance of same-day approval. Notification by phone or email.
Your monthly payments don't begin until after your building has been professionally installed on your property.
Loan amounts vary based on building type and use. Everyone has a unique financial situation — we have options for everyone.
Affixed metal garages bolted to concrete
Building must be permanently affixed (bolted to concrete, not removable) to qualify for residential financing.
Fixed or portable commercial structures
Commercial buildings can be fixed or portable. Can finance multiple buildings or part of a larger project.
Estimated payments based on building price, term, and rate. Your actual payment depends on credit profile and lender approval.
Building Price
$10,000
~$197/mo
60 mo at 6.9% APR
Building Price
$25,000
~$302/mo
120 mo at 7.9% APR
Building Price
$50,000
~$507/mo
15 yr at 8.9% APR
Building Price
$100,000
~$1,014/mo
15 yr at 8.9% APR
About these estimates
Monthly payment estimates are for illustration only. Your actual rate, term, and payment depend on your credit profile, loan amount, and lender approval. Payment amounts are based on the amount borrowed, interest rate, and loan term. Payments begin after your building is installed.
Step by Step
Call (800) 691-5221 or use our online configurator to design your building and get an exact price. No obligation — free to apply.
Complete the financing application online or by phone. You'll need a valid state ID or driver's license. A credit check is required (min. 595 score), and you must be a homeowner.
Once approved, you'll receive a term sheet detailing your rate, term length, and monthly payment. Review and approve it, then finalize your building order with a 10% deposit.
Your building goes into production. We deliver and professionally install it on your property. Monthly payments begin after installation is complete.
Compare
Bottom line: Financing saves significantly on total cost vs. rent-to-own and supports much larger loan amounts. RTO is the better choice if you don't meet credit or homeownership requirements.
FAQ
Everything you need to know about financing your metal building — eligibility, loan amounts, approval, and payments.
Need help? Call (800) 691-5221A minimum credit score of 595 is required. Our financing program works with both prime and subprime credit scores. Higher scores typically qualify for lower interest rates and better terms.
Yes. All metal building financing customers must be homeowners. This is a requirement from our lending partners. If you're not a homeowner, our rent-to-own program is an excellent alternative with no credit check and no homeownership requirement.
You'll need a copy of your state ID card or driver's license to complete the financing application. This is required for identity verification during the approval process.
For affixed metal garages (bolted to concrete, not removable), loan amounts go up to $50,000 — or up to $100,000 on a case-by-case basis. For commercial and business-use metal structures (fixed or portable), loan amounts go up to $350,000 — or up to $1,000,000 on a case-by-case basis.
Yes. You can roll the cost of concrete, permits, delivery, installation, and the building itself into a single loan amount. This lets you finance the entire project without separate out-of-pocket expenses.
After your financing is approved and you review your term sheet, a 10% deposit on the building is required to begin production. The remaining balance is covered by your financing.
Monthly payments are set up and begin after your building has been professionally installed on your property — not before. Payment amounts are based on the amount borrowed, interest rate, and loan term.
Most applications receive a decision quickly. Applications submitted before 3:00 PM Central Time have a higher chance of same-day approval. You'll receive your approval notice by phone or email, followed by a letter in the mail.
Financing requires a credit check (min. 595) and homeownership, but offers much lower total cost with rates from 6.9% APR and terms up to 15 years. Rent-to-own requires no credit check and is available in 36-month and 48-month terms, but the total cost is higher (about 65% markup) and the max across all RTO contracts is $16,000. Financing is the better value if you qualify.
Yes. The steel building financing program can be used for multiple buildings or just part of a larger building project. Our lending partners work with your unique financial situation to find the right solution.
Yes. There are zero prepayment penalties. You can pay off your remaining balance at any time without additional fees or charges.
Ready to Apply?
Rates from 6.9% APR. Terms up to 15 years. Payments start after installation. Apply in minutes — applications before 3 PM Central have the best chance of same-day approval.
