Rent-to-Own and Financing: How to Make Your Metal Barn Buying Experience Affordable


Financed Structures and RTO Metal Buildings

Unfortunately, no matter how you cut it, purchasing a metal building is a significant investment. It takes time, money, and research to get the best results. These days, finding the financial resources to see a project through from beginning to end can be difficult. A few ways that owning a metal building is being made affordable are traditional financing options and rent-to-own (RTO) programs. These structured payment systems make it easy for buyers to arrange payment plans that fit their budget.

If you’ve been searching for the right steel structure but are worried about the financial logistics of such an investment, this blog is for you. Today, we’ll explore financing and RTO programs in the metal building industry and show you how to make your purchase easy, affordable, and pain-free.

Rent-to-Own Metal Buildings

In recent years, Rent-to-own programs have become an increasingly popular way of handling structured payments for larger purchases, such as cars or, in this case- metal buildings. However, RTO plans have a few benefits that traditional financing options don’t. For example, when you purchase an RTO building, you’ll be able to enjoy:

No Credit Checks

RTO programs offer a level of inclusivity by not relying on credit checks for approval. This allows individuals with varying credit histories to access quality rent-to-own buildings.

Instant Approvals

The approval process for RTO programs is often quick and straightforward, allowing you to start your project without lengthy waiting periods.

Anytime Payoff

The flexibility to purchase the metal building at any time during the rental period empowers you to take ownership when it aligns with your financial situation.

No Long-Term Contracts

Unlike some traditional loans or leases, RTO programs typically don’t involve long-term commitments. You’ll have the freedom to exit the agreement when needed.

How to Apply for RTO Buildings

So, how does one apply for rent to own metal buildings? Let’s break down the process from beginning to end:

Choose Your Building

Begin by identifying the type of metal building that suits your needs. Whether you’re looking for a spacious rent-to-own metal barn for agricultural use, a storage shed, or a workshop, having a clear idea of your needs will guide your selection process.

Contact a Trusted Metal Building Provider

Research and connect with reputable metal building providers, like Quality Steel Buildings, that offer rent-to-own options. Look for companies with a proven track record in delivering quality structures and transparent RTO programs.

Submit RTO Application

Once you’ve found a suitable metal building provider, you’ll need to apply for the RTO plan. This application might require basic information about your project, including the type of building you’re interested in, desired dimensions, and any customizations you need, as well as standard identification documents.


Unlike traditionally financing metal buildings, RTO programs prioritize accessibility with swift and hassle-free approvals, enabling you to move forward with your project without unnecessary delays.


Upon approval, the next exciting step is the installation of your rent-to-own metal barn. Work closely with the provider to finalize the design, dimensions, and any custom features you desire. A reputable provider will ensure the building meets all local codes and regulations.


RTO programs typically involve a series of monthly payments over a defined period. These payments contribute toward the total cost of the metal building. One of the significant advantages of RTO is the flexibility it offers in terms of payments. If your financial situation improves or changes, you can choose to pay off the remaining balance early without penalties.

Financing Metal Barns

And then we have traditional financing, the meat and potatoes of any large-scale investment. Financing metal barns involves securing a loan or credit to cover the cost of your desired metal building. Instead of paying the entire amount upfront, you make regular payments over an agreed-upon period, often with interest. This approach allows you to purchase the metal barn you need while spreading out the financial commitment over time. Some benefits of choosing this route include:

Easy Application Process

One advantage of financing metal barns is the simplicity of the application process. Reputable lenders or financial institutions typically offer straightforward applications that require basic information about your project, personal details, and financial history.

Quick Responses

In most cases, you can expect a quick response to your financing application. Lenders understand the urgency of your building project and aim to provide timely approvals, allowing you to move forward promptly.


Financing options for metal buildings often come with a degree of flexibility, allowing you to choose the loan amount that suits your budget, determine the repayment terms, and even explore different interest rate options. This adaptability ensures that the financing aligns with your unique financial situation.


While you’ll pay interest on the financed amount, spreading the cost over time can make acquiring a metal barn more affordable and manageable. Instead of a significant upfront payment, you can allocate funds in a way that doesn’t strain your finances.

How to Finance a Metal Barn

Now that we’ve explored some of the biggest advantages to choosing traditional financing for your metal barn let’s look into the process of applying for it:

Select a Building

The first step in the process is to choose the metal barn that suits your needs. Consider factors such as size, design, features, and any customizations you require. It’s important to have a clear idea of what you’re looking for before moving forward.

Complete the Application Process

Once you’ve chosen the metal barn you want, you’ll need to complete the financing application. The application will require information about your details, financial history, and the specifics of the metal barn you’re interested in.

Approval Process

After submitting your application, the lender will review your information and assess your eligibility for financing. They may consider factors such as your credit history, financial stability, and the details of the metal barn. Many lenders strive to provide a quick response to your application to ensure that you can progress with your project without unnecessary delays.

Down Payment

Upon approval, you’ll be required to make a down payment. The down payment is typically a percentage of the total cost of the metal barn and serves as an initial contribution toward the financing. The specific amount can vary based on the lender and the terms of the financing agreement.

Which One is the Better Option?

In the end, whether you choose RTO metal buildings or traditional financed alternatives will depend entirely on your financial capabilities, credit history, and specific needs. For one owner, RTO may be the best available choice. But for another, traditional financing terms are the way to go.

Whichever route you take, working with a knowledgeable metal building provider like Quality Steel Buildings will ensure that your metal building project goes smoothly and, most importantly- affordably.

Call Quality Steel Buildings for Your Metal Building Project

Whether you’re interested in RTO buildings or a traditionally financed metal barn, Quality Steel Buildings is proud to be a trusted name to suit your needs. We have an extensive range of metal buildings, barns, workshops, and DIY building kits to suit any job.

We build agricultural facilities, commercial steel buildings, and residential structures, and we have the skills and high-quality products to make your metal building dreams a reality.

So, call our building specialists today at +1 (877) 215-6555Call Now to learn more about our financing and RTO programs and how easy it is to put you into the driver’s seat of your very own metal structure without emptying your wallet in the process. Choose the best. Choose Quality Steel Buildings.