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(903) 234-8922
No bank loan needed
Rent-to-Own Metal Buildings
Get your carport, garage, barn or workshop now and pay over time. Our rent-to-own metal building financing starts with 20% down, terms from 12 to 60 months, and a choice of credit-check or no-credit-check approval.
Press 1 for sales and financing. We can walk you through the application.
How rent-to-own works
Own Your Building in Four Steps
Rent-to-own works like a lease that turns into ownership. There is no bank loan, and about half of every payment goes toward owning your building.
Design and price it
Design your building in our free 3D tool or call us, so you know your total price before you apply.
Apply with a partner
Choose RTO National with a credit check or Heartland Capital with no credit check. Our team can help you apply.
Pick your term
Once approved, choose a term from 12 to 60 months, pay your 20% down payment and sign your paperwork.
Pay toward ownership
About half of each payment goes toward the building and half is rent. Pay it off early with no penalty.
Our financing partners
Credit Check or No Credit Check
Pick the partner that fits your situation. Both offer rent-to-own with no bank loan.
RTO National
- Finance up to
- $30,000
- Credit score
- 650 or higher
- Rate
- Standard credit-check rate
- Based in
- Greenville, SC · since 2003
Best for: buyers with a 650+ credit score who want the lower rate and a higher limit.
Heartland Capital
- Finance up to
- $15,000
- Credit score
- Not checked
- Rate
- Higher than the credit-check rate
- Based in
- Mayfield, KY · since 2007
Best for: buyers who would rather skip the credit check, or are rebuilding credit.
Compare your options
Rent-to-Own vs. a Bank Loan
| Feature | Traditional loan | Rent-to-own |
|---|---|---|
| Down payment | Varies, often 10% to 20% | Flat 20% |
| Credit | Usually needs good credit | Credit-check or no-credit-check option |
| Terms | Set by the bank | 12 to 60 months |
| Approval | Bank paperwork and underwriting | Simple application, faster approval |
| Paying off early | Depends on the loan | No penalty |
What you can finance
Finance Any Building We Make
Rent-to-own works on all of our steel buildings, including carports, garages, barns and workshops, with delivery and installation included.
Rent-to-Own Carports
Single, double and RV carports that keep vehicles out of the sun and hail.
See rent-to-own carports
Rent-to-Own Garages
Enclosed steel garages with roll-up doors, walk-in doors and windows.
See rent-to-own garages
Rent-to-Own Barns
Center-aisle and lean-to barns for hay, livestock and equipment.
See rent-to-own barns
Rent-to-Own Workshops
Steel shops with room to work, build and store.
See rent-to-own workshops
Prefer to pay directly?
Ways to Pay in Full
A 20% deposit and signed paperwork lock in your price. Pay the balance any of these ways.
- Cash
- Check
- ACH transfer
- Debit card
- Money order
- Wire transfer
- Credit card (3% fee)
Ready to See Your Price?
Get a free, no-obligation quote today. Sales: ext. 1 · Scheduling: ext. 2
