- Up to $20,000
- No credit check up to $15K
- Up to 60 month term
- No early payoff penalty
Flexible Financing Options
Finance Your Metal Building
Don't let price stop you. Multiple financing options with instant approval — get the building you need today.
No Credit Check
No Minimum Amount
Zero Processing Fee
No Pre-Payment Penalties
Instant Approval
RTO Up To $20,000
How It Works
Tell Us What You Need
Share your building specs and we'll match you with the best financing options.
Get Approved in Minutes
Our team ensures your application is in order for fast approval.
We Deliver & Install Free
Schedule your delivery date — installation is always free.
Enjoy Your Building
Make easy monthly payments while your building protects what matters.
Trusted Names in Financing
Our Financing Partners
- Up to $18,000
- No credit check up to $9,999
- 12–60 month terms
- Easy application
- Up to $55,000
- 84 month term
- Low APR rates
- Instant approval
- No credit check
- Month-to-month
- 90 days same as cash
- RTO options
Based in North Carolina
Why Finance
with Carport1?
Our NC-based team has helped thousands of customers finance their dream building — honestly and transparently. We shop multiple lenders so you get the best rate, delivery is always free, and installation is included. No runaround, no hidden fees.
- Fast approvals — most in minutes
- Multiple offers, you pick the best one
- Free delivery & installation included
- Transparent pricing, no surprise charges
- Real people — talk to an expert anytime
Every Building, Every Budget
What Can You Finance?
Financing is available on every metal building we sell — from a single-car carport to a 60-foot commercial structure.
Metal Carports
$1,500 – $8,000
Single, double, and triple-wide covers for cars, trucks, and equipment.
Metal Garages
$5,000 – $18,000
Fully enclosed with roll-up doors. Protect vehicles, tools, and gear.
Barns & Agricultural
$8,000 – $35,000
Carolina barns, horse barns, hay storage, and livestock shelters.
Commercial Buildings
$15,000 – $55,000+
Clear-span warehouses, workshops, and retail space with custom layouts.
Workshops & Hobby Buildings
$6,000 – $25,000
Insulated work spaces, home offices, studios, and she-sheds.
RV Covers & Boat Storage
$3,000 – $12,000
Tall-leg covers and enclosed storage for RVs, boats, and trailers.
Estimate Your Payment
Payment Calculator
Get a quick estimate of your monthly payment. Actual terms depend on your financing partner and approval.
$
$
Estimated Monthly Payment
$250
Based on estimated RTO rates. Actual payment may vary.
Find Your Best Option
RTO vs. Financing vs. Pay in Full
| Rent-to-Own | Traditional Financing | Pay in Full | |
|---|---|---|---|
| Credit Check | None required | Required | N/A |
| Approval Speed | Instant | Minutes to 24 hrs | Immediate |
| Max Amount | Up to $20,000 | Up to $55,000 | Unlimited |
| Term Length | 24–60 months | Up to 84 months | N/A |
| Early Payoff Penalty | None | Varies by lender | N/A |
| Ownership | At end of term | Immediate | Immediate |
| Best For | No credit / rebuilding credit | Larger buildings, lower APR | Best overall value |
Real Customers, Real Buildings
Financing Success Stories
“I didn't think I could afford a garage with my credit situation. Carport1's rent-to-own program got me approved in 5 minutes with no credit check. My 24x30 garage was installed two months later.”
“We financed a 40x60 commercial workshop through GreenSky. The monthly payment is very manageable, and we started using the building for our contracting business right away. Paid for itself in the first year.”
“As a first-time buyer I was nervous about the process. The team walked me through everything, helped me pick the right RTO plan, and my triple-wide carport was up before my first payment was even due.”
Frequently Asked Questions
Does applying for financing affect my credit score?
It depends on the program. Our rent-to-own (RTO) options through RTO National, EZ Pay, and Heartland do not run a credit check, so your score is not affected at all. Traditional financing through GreenSky does require a credit check, which may result in a soft or hard inquiry depending on the stage of the application. We will always let you know upfront before anything hits your credit.
Can I pay off my building early?
Yes. All of our RTO programs have no early payoff penalties. You can pay ahead, pay extra each month, or pay off the full balance at any time. For traditional financing through GreenSky, early payoff terms depend on your specific agreement — ask your representative for details.
What documents do I need to apply?
For RTO programs, you typically need a valid government-issued ID and proof of income (a recent pay stub or bank statement). There is no extensive paperwork. For traditional financing, you may also need your Social Security number and basic employment information. The entire application usually takes less than 10 minutes.
How long after approval until my building is installed?
Once your financing is approved and your order is confirmed, typical lead times are 4 to 8 weeks depending on your building's size and complexity. Installation itself is usually completed in a single day for standard structures, or two to three days for larger commercial buildings. Your site needs to be level and accessible before our crew arrives.
Can I finance a custom-designed building?
Absolutely. Financing applies to every building we sell, including fully custom configurations. Choose your dimensions, roof style, colors, door placements, windows, and accessories — then finance the total. You can even use our 3D configurator to design your building and then apply for financing on the final price.
What is the difference between rent-to-own and traditional financing?
With rent-to-own (RTO), you make monthly payments without a credit check, and you own the building once all payments are complete. The building can technically be returned if your situation changes. With traditional financing, you own the building immediately and make loan payments to a lender. Traditional financing typically offers lower overall cost but requires a credit check and approval.
Is delivery and installation really free?
Yes. Every metal building from Carport1 includes free delivery and professional installation at your prepared site. This applies whether you pay in full, use RTO, or finance through one of our lending partners. No hidden fees, no surprise charges at delivery.
