Getting a metal building shouldn’t start with a credit application. For a lot of buyers, the building design is the easy part — the hard part is paying for it comfortably. That’s exactly what a lease-to-own program is built for: it separates the question of “what building do I want?” from “how do I pay for it?” so you can move forward on both.
Here’s how lease-to-own works for metal buildings, what it actually costs, and how to tell whether it’s the right fit for your property.
Lease-to-own is a payment program, not a loan. Instead of borrowing money to buy a building outright, you make monthly payments over a set term — 24, 36, 48, or 60 months — and you own the building at the end of the term.
The biggest difference from traditional financing: there is no credit check. Approval isn’t based on your credit score, so a rough credit history or a thin file doesn’t block you from getting the building you need.
At Essex Buildings, the program covers custom metal carports, garages, barns, RV covers, and loafing sheds from $3,000 to $30,000, with a 15% down payment and monthly payments plus local tax.
Your payment depends on three things: the building price, your down payment, and the length of your term. Shorter terms mean higher monthly payments but a lower total cost; longer terms spread the cost out further.
To give you a sense of the math, here are estimates based on a $15,000 building with 15% down ($2,250):
These are estimates — your actual payment depends on your building’s final price and your ZIP code, which affects delivery and installation. Use the Lease-to-Own Calculator to run your own numbers before you commit to anything.
One feature worth understanding: 90 days same as cash. If you pay off the full balance within the first 90 days, you pay no additional program charges beyond the building price — essentially the same as paying cash, with three months of breathing room.
It’s a good option if you’re expecting funds to free up soon — a tax refund, a bonus, the sale of another asset — but you want the building installed now.
This is where lease-to-own programs differ most, so read the terms wherever you shop. At Essex Buildings:
Some programs add deposits, setup fees, or origination charges that quietly inflate the total. When you’re comparing options, ask for the full schedule of payments in writing — the monthly amount, the term, and every fee — so you’re comparing real totals, not just monthly figures.
Lease-to-own tends to be the right call when:
It’s less useful if you can comfortably pay cash today; in that case, paying outright is still the cheapest path.
The process is straightforward:
There are a lot of people that can design a great building for you — but that doesn’t matter if you can’t pay for it comfortably. Start with the payment, then build the building around it.
Essex Buildings serves customers in 22 states with custom metal carports, garages, barns, RV covers, and loafing sheds — all available with lease-to-own financing and no credit check. Call 804-599-4633 or get a free quote.
You are approved for $30,000 through our Lease-to-Own program with NO CREDIT CHECK required.
Lease-to-Own Benefits:
Many customers choose this option because it’s simple, fast, and doesn’t involve banks or hard credit inquiries.
Here’s what our customers say:
Does Lease-to-Own fit your financial needs? If so, I can start working on YOUR new metal building right away.
Try the payment estimator below, then reach out — I'll walk you through what you qualify for and we'll design your building together.
No security deposit. No origination fees on 24–36 month terms. 90 days same as cash.
Many customers choose this option because it’s simple, fast, and doesn’t involve banks or hard credit inquiries.
Our Lease-to-Own (LTO) program is designed to make getting a metal building simple and accessible. Please review the qualifications and guidelines below.
The customer may be the property owner or a renter of the home and/or land.
If renting, the landlord must sign a landlord waiver.
No credit check is required.
Buildings must be certified.
Buildings cannot be used as living spaces (no barndominiums, tiny homes, container homes, or occupied outbuildings).
Minimum order amount to qualify: $3,000.
The total LTO amount cannot exceed $30,000.
If the total is higher, an additional down payment is required to bring the financed balance within the allowed limit.
This extra down payment may include applicable taxes.
The additional down payment must be paid before the contract can be approved.
804-599-4633
thomas@essexbuildings.com
www.essexbuildings.com
“Super easy approval — took just a few minutes.”
“I got my building installed fast and started using it right away.”
“I didn’t want another loan on my credit report — this was perfect.”
“I paid it off early with no penalty.”
“Perfect option for renters.”