Financing Available on All Our Buildings
Banner Buildings works with a financing partner to offer traditional financing on aluminum sheds, wood sheds, carports, garages, barns, and gazebos. Subject to credit approval. Fixed monthly payments over a set term.
Financing typically offers a lower effective rate than rent-to-own, making it a better fit for larger purchases if you qualify. If you do not qualify or prefer not to use credit, rent-to-own is also available with no credit check required.
How Financing Works
Three steps from inquiry to a building on your property.
Choose Your Building
Pick from aluminum sheds, custom wood sheds, carports, garages, barns, or gazebos. Any building we sell is eligible for financing. Tell us what you need and we will put together a quote.
Apply Through Our Lender
We connect you with our financing partner. The application is straightforward — most decisions come back quickly. Subject to credit approval.
We Deliver and Install
Once financing is approved, we schedule delivery. Your building is placed, leveled, and installed on site. You make fixed monthly payments directly to the lender.
Financing vs. Rent-to-Own
Both options get a building on your property without paying the full amount upfront. Here is how they differ.
| Financing | Rent-to-Own | |
|---|---|---|
| Credit Check | Required | No traditional credit check |
| Approval | Subject to lender approval | Based on down payment and monthly amount |
| Cost Structure | APR-based, credit-dependent | Flat rate by term, not interest-based |
| Best For | Good credit, larger purchases | Skipping the credit check entirely |
| Down Payment | Varies by lender | Down payment equal to the delivery fee for your building (typically $250–$450, depending on size) |
| Available On | All structures we sell | All structures we sell |
Financing terms vary by lender and credit profile. Call us at 706-568-0500 for current lender information and to discuss which option fits your situation.
Financing Payment Estimator
Enter your building price, down payment, credit profile, and term to see an estimated monthly payment.
Estimated Payment
Monthly Payment
$131.42
per month for 48 months
Estimates only. Actual rates and terms are subject to lender approval and may vary based on your full credit profile. Call 706-568-0500 for current lender information.
Talk to Us First
Financing and rent-to-own both get you a building without a large upfront payment. The right choice depends on your credit, the building size, and your monthly budget.
If you have good credit and are buying a larger structure, financing typically costs less over the life of the agreement. If you want to skip the credit check entirely — or if your credit is thin or damaged — rent-to-own is available with no traditional credit check.
Call us and we will walk through both options with actual numbers for the building you are interested in. No pressure, no sales pitch — just the math.
Learn about rent-to-own (no credit check) →Who Should Consider Financing
You have solid credit and want the lowest possible monthly cost over the term of the agreement. You are purchasing a larger structure where the interest rate difference adds up meaningfully.
Who Should Consider Rent-to-Own
You prefer to skip the traditional credit check entirely. Your credit history is thin or imperfect. Approval is based on your ability to cover the down payment and monthly payment.
Current Lender Information
Financing terms, lender details, and approval criteria change over time. Call us at 706-568-0500 for the most current information before applying.
Ready to Talk About Financing?
Call us or fill out the form below and tell us what building you are interested in. We will go over both financing and rent-to-own options with numbers so you can choose what makes sense for you.