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✓ Every Credit Score✓ No Credit Impact to See if You Qualify
Your Stoltzfus Structures rep:
Select a loan product below to estimate your monthly payment, learn more & apply:
Select a loan option above to estimate your monthly payments and see loan details
Consumer Financing — Upgrade
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
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*Rate includes 0.50% discount for enrolling in autopay. Customers who do not enroll in autopay will have an interest rate that is 0.50% higher. ⓘ Estimated payments are for illustration purposes only and are not an offer of credit. Actual rates, terms, and payments are set by the lender after credit approval.
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
1
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.
2
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.
3
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.
4
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).
5
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.
⚠ Important:
On the application, enter your Yearly Income — not your monthly income.
Enter your Total Household Income (the income of everyone living with you) — don't worry, you won't need anyone else's personal information to apply; only your information is needed.
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
This new loan product will be coming soon within the next few weeks
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.
$
*Rate includes 0.50% discount for enrolling in autopay. Customers who do not enroll in autopay will have an interest rate that is 0.50% higher. ⓘ Estimated payments are for illustration purposes only and are not an offer of credit. Actual rates, terms, and payments are set by the lender after credit approval.
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
1
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.
2
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.
3
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.
4
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).
5
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).
⚠ Important:
On the application, enter your Yearly Income — not your monthly income.
Enter your Total Household Income (the income of everyone living with you) — don't worry, you won't need anyone else's personal information to apply; only your information is needed.
This new loan product will be coming soon within the next few weeks
6 Months No Interest & No Payments — Pure Finance
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.
Customers can apply with or without a co-applicant
Customers living in MA or NY do not qualify
$
ⓘ Estimated payments are for illustration purposes only and are not an offer of credit. Actual rates, terms, and payments are set by the lender after credit approval.
⚠ 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.
Up to $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
1
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.
2
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.
3
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.
4
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.
5
Your structure is delivered
The remaining balance due is released to Stoltzfus Structures after delivery.
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