Get the metal carport, garage, barn, or steel building you need — without a credit check. Our rent-to-own program features instant approval, low monthly payments, and 36 or 48-month contracts. No homeownership required. RTO contracts up to $16,000.
The application process is quick, easy, and stress-free. No piles of paperwork, no back-and-forth negotiations. Just submit your info, get approved, and start making affordable monthly payments on the building you need.
Credit Check
None
Approval
Instant
Terms
36-48 Mo
Max Total
$16K
No Requirements
Benefits
No credit check, instant approval, and flexible payment plans — designed for customers who need a building now.
Unlike traditional financing, our rent-to-own program does not require a credit check. Perfect for customers who need a building but can't qualify for financing.
The approval process takes just minutes — not days. Apply anytime, day or night, and get approved almost instantly. Most approvals come back same day.
Affordable payment plans split across 36 or 48 months. Choose the term that fits your budget and pay a manageable amount each month.
Pick the contract length that works best for your financial situation. Shorter terms mean less total cost; longer terms mean lower monthly payments.
Pay off your building early at any time with zero penalties or fees. The sooner you pay it off, the less you pay overall.
Need more than one building? You can have multiple RTO contracts as long as the combined total does not exceed $16,000.
You don't need to be a homeowner to qualify. Renters, landowners, and property managers can all take advantage of the RTO program.
Just submit your personal info and building details. No piles of paperwork, no back-and-forth negotiations. Quick, easy, and stress-free.
Set up payments that match your timeline. Our program is designed to be flexible and work with your unique financial situation.
Simple, transparent terms. Know exactly what you're paying before you sign up.
Shorter term, lower total cost
Best value. Higher monthly payments but you pay less overall. No origination fee on 36-month contracts.
Longer term, lower monthly payments
Most popular. Lower monthly payments spread across 4 years. Great for budget-conscious customers.
RTO payments are calculated as: building price × 1.65 ÷ contract months. See real examples below.
Building Price
$5,000
~$229/mo
36 mo · 1.65× markup
Building Price
$8,000
~$367/mo
36 mo · 1.65× markup
Building Price
$10,000
~$344/mo
48 mo · 1.65× markup
Building Price
$16,000
~$550/mo
48 mo · 1.65× markup
About these estimates
RTO monthly payments are calculated using the formula: building price × 1.65 ÷ number of contract months. Total cost across all RTO contracts cannot exceed $16,000. Early payoff reduces your total cost.
Step by Step
Call (800) 691-5221 or use our online configurator to customize your metal building. Get an exact price — no obligation, no commitment.
Provide your personal information along with your custom building details. No credit check is required — approval is fast and hassle-free.
Once approved, choose a 36-month or 48-month contract. Make an initial deposit and set up your monthly payment schedule.
Your building goes into production. We deliver and professionally install it on your property. Start making monthly payments on schedule.
Compare
Bottom line: RTO is ideal if you don't meet credit or homeownership requirements. If you qualify for financing, it offers much lower total cost and higher loan amounts. Compare financing →
FAQ
Everything you need to know about our rent-to-own program — eligibility, payments, contracts, and ownership.
Need help? Call (800) 691-5221No. Our rent-to-own program does not require a credit check. This makes it ideal for customers who need a metal building but don't meet the credit or homeownership requirements for traditional financing.
Instant. Most RTO applications are approved within minutes. You can apply 24 hours a day, 7 days a week, and receive your approval almost immediately — often the same day.
We offer 36-month and 48-month contracts. Choose the length that best fits your budget. Shorter contracts have higher monthly payments but lower total cost. Longer contracts have lower monthly payments but slightly higher total cost.
The total across all RTO contracts cannot exceed $16,000. You can have multiple contracts as long as the combined total stays under this limit.
Your monthly payment is calculated by taking the building price, multiplying by 1.65 (the RTO markup), and dividing by the number of months in your contract (36 or 48). For example, a $10,000 building on a 36-month contract would be approximately $458/month.
Yes. There are zero prepayment penalties. You can pay off your remaining balance at any time without any additional fees. Paying early reduces your total cost.
No. Unlike our financing program, rent-to-own does not require homeownership. Renters, landowners, and property managers can all qualify for the RTO program.
There is no origination fee on 36-month contracts. The 48-month contract may include a small origination fee. Ask your sales representative for specific details.
Rent-to-own requires no credit check and no homeownership, but has a higher total cost (~65% markup) and a $16,000 max. Financing requires a credit score of 595+ and homeownership, but offers much lower rates (from 6.9% APR) and supports amounts up to $350K+. Financing is the better value if you qualify.
With rent-to-own, you take ownership after all payments are completed. If you pay off the contract early, ownership transfers at that point. Unlike financing, you do not own the building from day one.
Yes. You can have multiple RTO contracts simultaneously as long as the combined total of all contracts does not exceed $16,000.
A few simple rules to keep in mind before applying.
The total across all your RTO contracts cannot exceed $16,000. This is the combined maximum, not per-contract.
You can have more than one RTO contract at the same time, as long as the combined total stays under $16,000.
No prepayment penalties. Pay off your remaining balance early and take full ownership of your building sooner.
Ready to Apply?
No credit check. Instant approval. Low monthly payments. 36 and 48-month contracts available. Apply in minutes — it's quick, easy, and stress-free.
