Financing Options

You don’t need to pay for your building all at once. Every Steel and Stud order starts with a deposit — and if you’d rather spread the rest out, monthly financing and rent-to-own paths are available for qualifying customers. Applying does not affect your credit until approval.

Option 1 — Standard payment (most popular)

• Deposit — typically 10%–30% of the order total — by phone when you place your order (your card is never charged online). Accepted: all major credit cards, ACH, or PayPal (deposits only; ~2.9% processing fee; must clear before installation).
• Balance after installation — paid to the manufacturer’s crew after the building is up and you’ve inspected it on site. Accepted (varies by manufacturer): cash, certified check, money order, or major credit card. PayPal is not accepted for balances.
• No interest, no applications, no credit check.
• Cancel within 3 days of order confirmation for a full deposit refund (Return Policy).

Option 2 — Monthly financing

Fixed monthly payments through our financing partners for qualifying customers.

• Best for: buyers who want to own outright with predictable payments.
• Your application does not affect your credit until approval.
• Rates and terms are set by the lender based on your application and state — your specialist will walk you through current programs for your building size and location.

Option 3 — Rent-to-own

• Get the building installed now and pay over time, with an early-purchase option.
• Approval doesn’t require established credit — programs are designed for buyers who’d rather skip financing applications.
• The building remains the RTO provider’s property until paid off, and program availability varies by state and building size.
• Best for: getting a building on site quickly without a credit-based loan.

How to apply

1. Request a quote (60 seconds on our contact page) or call 1-877-275-7048 (Mon–Fri, 8:00 AM–6:00 PM Eastern).
2. Tell your specialist you’re interested in financing or rent-to-own — they’ll confirm which programs serve your state and building size.
3. Complete the provider’s application by phone or secure link.

The fine print, honestly

Financing and rent-to-own agreements are between you and the provider; their terms (payment schedule, fees, early-purchase options, default consequences) control those programs — read them before signing. Steel and Stud is not a lender and receives no application details beyond approval status (Privacy Policy §2.3). Until the balance (or RTO buyout) is paid in full, the structure remains the property of the manufacturer or RTO provider (Terms & Conditions §4). All payments are arranged by phone — we will never ask for card details by email.