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Your payment in seconds. Five ways to finance your Amish-built shed or garage — see if you qualify without impacting your credit.

⚡ Same-Day Approvals Available✓ $0 Down Payment Loans Available✓ No Credit Impact to See if You Qualify

▶ Financing Video Explainer Watch a quick guide to every loan option Captions in English & Español Watch

Enter your credit score and loan amount to see financing options you are eligible to apply for:

Estimated Credit Score

Loan Amount

Select your estimated credit score and enter your loan amount to see the financing you qualify for.

Consumer Financing — Upgrade

▶ 1:14 Video Guide Watch: Consumer Financing — Upgrade Captions in English & Español Watch

Do You Qualify?

Eligibility

Borrowers do not have to own the property to apply
Minimum 680 credit score. Other factors such as income, debt, and credit history also affect approval.
Customers apply using their Total Household Income — the yearly income of everyone living with them

Loan Amount

Financing Overview

What Consumer Financing Offers

Up to $100,000 in financing — there are no co-borrowers, but multiple people can each apply for a loan using their total household income (even if the person applying doesn't have income)
Soft credit check available — a soft pull checks if you pre-qualify and won't impact your credit. Your credit is only affected once you accept an offer and finish your application.
Same-day approvals available — most customers are approved without proof of income
No equity or appraisal required — this is not a mortgage product
No prepayment penalty — pay off the balance any time with no added fee

Additional Features

Additional Features & Terms

No minimum down payment required
No origination fee or closing costs — no fees to obtain this financing
5 to 15-year terms available
Fixed rates — your rate never changes for the life of the loan. Your rate is based on your FICO credit score.

The Process

How It Works

Complete the loan application

A soft credit pull checks if you pre-qualify — this won't impact your credit. Your credit is only affected once you accept the offer and complete the application process.

Loan approval

Most customers are approved without documents. You can upload any requested documents directly to the lender, or to Stoltzfus Structures through our Secure Document Upload Page — we'll upload them for you.

eSign your agreements

Once approved and any conditions are cleared, you finalize your order with your sales rep (who can adjust the loan amount to match your price if needed), then eSign your Purchase Agreement and Loan Agreement. A hard credit pull occurs upon eSigning your Loan Agreement.

First 50% of funds released

The lender releases the first 50% to Stoltzfus Structures so we can build your structure. Interest accrues on the 50% released (not the full loan amount).

Your structure is delivered

The remaining balance due is released to Stoltzfus Structures after delivery — interest now accrues on the total loan amount, and your first monthly loan payment is due in 30 days.

Apply with Upgrade

Soft credit check to see your offers — checking never affects your credit score. Minimum 680 FICO. Up to $100,000 per borrower.

Building Loan — Thrive Financial

▶ 1:09 Video Guide Watch: Building Loan — Thrive Financial Captions in English & Español Watch

Do You Qualify?

Eligibility

You must own the property where the structure will be located.
If the property is owned by a business entity (such as an LLC), you must be an owner of that entity. Other owners will need to authorize the purchase and the loan.
Vacant / raw land qualifies — there does not need to be an existing home or dwelling on the property.
Minimum 550 credit score. Other factors such as income, debt, and credit history also affect approval.

Loan Amount

Estimated Credit Score

Financing Overview

What Thrive Financing Offers

Up to $200,000 in financing — there are no co-borrowers — instead, customers apply using their total household income. Customers without income may be approved using the income of others living with them.
Soft credit check available — a soft pull checks if you pre-qualify and won't impact your credit. Your credit is only affected once you are pre-qualified and authorize a hard credit pull to finish your application.
Same-day approvals available — most customers are approved without proof of income
No equity or appraisal required — this is not a mortgage product
No prepayment penalty — pay off the balance any time with no added fee

Additional Features

Additional Features & Terms

No minimum down payment required
No origination fee or closing costs — no fees to obtain this financing
6 months of interest-only payments
5 to 20-year terms available
Fixed rates — your rate never changes for the life of the loan. Your rate is based on your FICO credit score.

The Process

How It Works

Complete the loan application

A soft credit pull checks if you pre-qualify — this won't impact your credit. Your credit is only affected once you accept the offer and complete your application.

Loan approval

eSign your agreements

First 50% of funds released

The lender releases the first 50% to Stoltzfus Structures so we can build your structure. Interest-only payments begin in 30 days, based on the 50% released (not the full loan amount).

Your structure is delivered

The final 50% is released after delivery. Any remaining interest-only payments continue, now based on the full loan amount. When the 6-month interest-only period ends, you begin standard monthly payments (principal + interest).

6 Months No Interest & No Payments — Pure Finance

▶ 1:07 Video Guide Watch: 6 Months No Interest & No Payments — Pure Finance Captions in English & Español Watch

Do You Qualify?

Eligibility

The person(s) applying must own their primary residence — this is the home address where you live
The primary residence cannot be owned by a business — this includes LLCs
Minimum 680 credit score. Other factors such as income, debt, and credit history also affect approval.
Minimum loan amount of $7,500 — the maximum is $20,000
Customers can apply with or without a co-applicant
Customers living in MA or NY do not qualify

Loan Amount

⚠ Important — please read:

This is not 0% financing with recurring monthly payments.
There are no minimum payments and no interest during the 6-month promotional period.
To avoid paying any interest, the entire loan balance must be paid off before the 6 months end.
Any remaining balance then becomes a 10-year loan at 9.99% APR (fixed rate).

Financing Overview

What 6 Months No Interest & No Payments Offers

No interest and no minimum monthly payments during the 6-month promotional period — any remaining balance at the end of the promotional period will be subject to a 10-year loan term at 9.99% APR (fixed rate). If you pay off your entire loan balance before the 6-month promotional period ends, you pay no interest.
$7,500 – $20,000 in financing
Soft credit check available — a soft pull checks if you pre-qualify and won't impact your credit. Your credit is only affected once you accept an offer and eSign the Loan Agreement.
Same-day approvals available — most customers are approved without proof of income

Additional Features

Additional Features & Terms

No equity or appraisal required — this is not a mortgage product
No prepayment penalty — pay off the balance any time with no added fee
No minimum down payment required
No origination fee or closing costs — no fees to obtain this financing

The Process

How It Works

Complete the loan application

A soft credit pull checks if you pre-qualify — this won't impact your credit. Your credit is only affected once you accept the offer and eSign the Loan Agreement.

Loan approval

eSign your agreements

6 months of no interest & no payments

There is no interest and no minimum monthly payments during the 6-month promotional period — any remaining balance at the end of the promotional period will be subject to a 10-year loan term at 9.99% APR.

Your structure is delivered

The remaining balance due is released to Stoltzfus Structures after delivery.

Apply with Pure Finance

Complete the loan application to see your loan offers — checking starts with a soft credit pull.

Rent-to-Own — SmartPay

▶ 1:36 Video Guide Watch: Rent-to-Own — SmartPay Captions in English & Español Watch

Financing Overview

Rent-to-Own Financing

No credit check required to apply — you do not need to own the property where the structure is going, or your own home. Approval is not guaranteed, and some structures do not qualify (see below).
Up to $25,000 with fixed payments for up to 4 years
A down payment or deposit is usually required
Fixed payments that never change
You own the structure once the contract is completed
The rent-to-own company owns the structure until the contract is complete — it can repossess the structure if payments are not made on time
You are responsible for every scheduled rent payment. Because this is a rental agreement and not a loan, there is no loan balance to pay off early — though the rent-to-own company may offer a discount if you choose to settle your remaining payments early
Monthly rent-to-own payments are high — make sure the payment fits your budget
Payment schedules and available terms vary by state, and your total of all payments will be substantially more than the cash price of the structure. SmartPay will show you the exact total before you sign.
There is no APR — this is a rental agreement, not a loan, so no interest rate is quoted. Monthly rent-to-own payments are typically much higher than the monthly payment on a loan for the same structure, and the total you pay over the contract will be significantly more than the cash price. Ask for the total of all payments before you sign.

Do You Qualify?

Structures that do not qualify

2-story structures
Timber frame structures
Pergolas, pavilions & built-on-site structures
Structures permanently anchored to a foundation

Estimate My Payments & Apply

SmartPay's quick application shows your exact monthly payment in minutes, with no credit check required. Approval is not guaranteed.

Home Equity — Figure Lending

▶ 1:06 Video Guide Watch: Home Equity — Figure Lending Captions in English & Español Watch

Financing Overview

Home Equity Line of Credit — Funds as soon as 5–10 days

With Figure Lending, you can tap your home equity and access the cash you need to fund your purchase quickly and easily.

Up to $750,000 — 1st, 2nd, or 3rd lien position, with terms of 10 to 30 years
Your rate is set by Figure after you apply and are approved — rates vary and are not guaranteed
Fast funding — full draw up front with funding in as few as 5 to 10 days
100% online application — no need to go to the bank. Apply from the comfort of home!
See your rate in a few clicks — without impacting your credit score

Do You Qualify?

Eligibility

You must own a home with available equity (your name must be on the deed as an owner).
The home cannot have more than 2 mortgages or liens secured against it.
Primary homes, vacation homes, and rental properties all qualify.
Minimum 600 FICO credit score. Other factors such as income, debt, home equity, and credit history also affect approval.
Your home secures this loan — you could lose it if you fail to repay

Estimate Your Payment

See your rate and estimated monthly payment in a few clicks — checking will not affect your credit score.