Finance your Amish-built shed, garage, pool house, outdoor retreat, or greenhouse with fixed rates, no down payment required on our loan products, and no impact to your credit score to see your offers.
Up to $100,000 per borrowerNo credit impact to see offersSame-day approvals availableRent-to-Own available
Hassle-Free Structure Financing
Built for Backyard Dreamers
Sometimes the perfect outdoor structure needs a little financial flexibility. Shed Lender connects Stoltzfus Structures customers with financing designed for sheds, garages, pool houses, and everything in between.
Up to $100,000 Per Borrower
No co-borrowers needed — and multiple people in a household can each apply for their own loan up to $100,000.
No Land Ownership Required
You do not have to own the property where the structure is going. Renters and properties owned by a business entity or trust qualify.
No Credit Impact to See Offers
A soft credit pull shows your eligible offers. Your credit is only impacted once you select an offer and eSign the loan agreement.
Same-Day Approvals Available
Most customers are approved within minutes of applying — and proof-of-income documents may not be required.
Fixed Rates, No Surprises
Your rate and monthly payment never change over the life of the loan. No closing costs, no fees, no down payment required.
No Prepayment Penalty
Pay off your loan balance whenever you want without an additional fee — on every financing option we offer.
Amish Craftsmanship Since 1978
Finance Any Stoltzfus Structure
From storage sheds to two-story garages, over 45 years of Amish craftsmanship backs every structure — with an industry-leading 5/10-year warranty.
Sheds — Storage, Garden & EliteGarages — Single, Double & Timber FramePool HousesPavilions, Pergolas & GazebosHome Offices, She Sheds & Man CavesGreenhouses
Answer a few quick questions — about 30 seconds. No Social Security number, no credit inquiry, no impact on your credit score.
STEP 2
See Your Financing Options
Based on your answers, we show you every financing option that fits — consumer loans, building loans, 6-month promotional financing, Rent-to-Own, and home equity options.
STEP 3
Apply With the Lender
Apply online using your total household income. A soft credit pull shows your eligible offers with no impact to your credit score.
STEP 4
Build Your Dream Structure
Accept your offer and eSign. Same-day approvals are available, and your Stoltzfus project moves straight into production.
Shed & Garage Financing Explainer
What each loan offers, who can apply, and how to estimate your monthly payment — with captions in English & Español (turn them on with the CC button).
See your estimated monthly payment in seconds — then apply online in minutes. Our Payment Estimator shows how each loan option works, your estimated payments, the loan terms, and how to apply. Checking your options never affects your credit score.
Compare all five financing options side by side
See your estimated monthly payment instantly
No personal information required — and no effect on your credit score
"Could not have been happier with this whole experience. From the day we came to your lot til the final build everything was top notch. I will strongly recommend Stoltzfus to all."
Joe
Verified Stoltzfus Structures customer
★★★★★
"When the shed was delivered our first thoughts were WOW! The shed is more beautiful than we could have imagined. The quality of the workmanship is Superior. Every detail met our expectations if not exceeded them."
Ann & Steve Viszlay
Verified Stoltzfus Structures customer
★★★★★
"I'm loving my new shed! The process was very professional and seamless and I was very pleased with the pricing. I would definitely recommend your company to others."
Customer in Waterbury, CT
Verified Stoltzfus Structures customer
Google users gave Stoltzfus Structures over 1,000 five-star reviews — plus 300+ on Facebook and hundreds more submitted directly.
Common Questions
Frequently Asked Questions
No. Checking your eligibility on this site involves no credit inquiry at all — we do not collect your Social Security number. When you apply with the lender, a soft credit pull shows your eligible offers without impacting your credit. Your credit is only impacted once you select an offer and eSign the loan agreement.
No. Our primary lending partner does not require you to own the property where the structure is going. This means:
Renters can qualify
Structures going on family or friends' land can qualify
Properties owned by a business entity or trust can qualify
A FICO score of 680 or higher qualifies for our fixed-rate loan program up to $100,000. Below 680, you still have options:
Rent-to-Own — no credit check required, up to $25,000
Building Loan (Thrive Financial) — credit scores from 550 can qualify when the structure goes on property you own
Home equity lines of credit — if you own your home
Apply using your Total Household Income, entered as annual (not monthly) income:
Under "Individual Income," include your spouse's income
Under "Additional Income," include the income of any other individuals living with you
Up to $100,000 per borrower with fixed-rate terms of 5, 7, 10, 12, or 15 years. There are no co-borrowers, but multiple people in a household can each apply for their own loan up to $100,000. Loan funds can only be used for your project with Stoltzfus Structures.
No, no, and no. There is no down payment required, no closing costs or fees, and you can pay your loan off early at any time without a penalty. These loans are not mortgage products — no equity or appraisal required.
Through Pure Finance, there are no minimum monthly payments and no interest during the first 6 months. Important details:
This is not 0% financing with recurring monthly payments — to avoid all interest, the entire balance must be paid off before the 6-month promo period ends
Any remaining balance after 6 months becomes a fixed 10-year loan at 9.99% APR
Loan amounts from $7,500 to $20,000 — apply as an individual or with a co-applicant
You must own your primary residence (it cannot be owned by a business entity); you do not have to own the property where the structure is going
Not available to customers living in New York or Massachusetts
Rent-to-Own requires no credit check. A down payment or deposit is usually required. You make fixed monthly payments for up to 4 years and own the structure once the contract is completed. Because this is a rental agreement and not a loan, you are responsible for every scheduled rent payment. Available up to $25,000. Structures that do not qualify:
