Delivered & installed in the lower 48 · Financing & rent-to-own · No credit check RTO
Build now. Pay over time.
Fixed-rate loans up to 30 years through Lyon Financial, HFS Financial and Shoreham Bank — or rent-to-own through RTO National and EZ Pay with guaranteed approval and no credit check.
Updated October 2026. Loan rates and payments depend on credit approval by the lender.
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Example rate. Your rate is set by the lender after credit approval.
Traditional financing
Fixed rates, long terms and the lowest total cost. All loans are subject to credit approval by the lender.
Traditional loan
Cash-to-consumer loans with long terms for the lowest possible payment. Funds go to you or straight to your builder.
Fast funding
Fixed-rate loans paid in full to you — no stage funding while your building is ordered and installed.
FHA Title I loan
Government-insured home improvement loans for homeowners, with a Project Specific Advantage Loan for metal buildings, pole barns and garages.
Rent-to-own
No credit check, low money down and buildings up to $30,000. Pay monthly for 24 to 60 months and own it at the end — or pay it off early with no penalty.
Lease purchase
America's largest rent-to-own provider for carports and steel structures. Pay monthly and own the building at the end of the term.
Rent-to-own
Rent-to-own on carports and steel buildings since 2005 — little money down and a simple month-to-month contract.
What you'll need
| Loan financing | Rent-to-own | |
|---|---|---|
| Credit check | Yes — rate depends on approval | No credit check |
| Approval | Subject to lender credit approval | Guaranteed approval |
| Amount | $3,000 up to $450,000 (by lender) | Buildings up to $30,000 |
| Terms | Up to 30 years | 24, 36, 48 or 60 months |
| Money down | Often $0 down | First month's rent in advance |
| Total cost | Lowest total cost over time | Higher total cost than a loan |
| Early payoff | Allowed, no penalty | Allowed, no penalty, with a discount |
| Who owns it | You, from day one | You, at the end of the term or payoff |
Tell us your building and ZIP. A specialist prices it for your local wind and snow loads — usually by 9am the next business day.
We'll walk you through both and send the right application link from Lyon, HFS, Shoreham, RTO National or EZ Pay.
Rent-to-own approval is instant and guaranteed. Loans are reviewed by the lender, often the same day.
Once paperwork is done, your building goes on the install schedule. Your first rent-to-own payment is due 30 days after delivery.
Yes. Omega works with Lyon Financial, HFS Financial and Shoreham Bank for traditional loans, and with RTO National and EZ Pay for rent-to-own. Your specialist will help you pick the program that fits your budget and credit.
Yes. Rent-to-own through RTO National and EZ Pay has guaranteed approval with no credit check, as long as you meet the provider's basic requirements: a valid ID, Social Security number, employment or income information, and your first payment.
No. RTO National and EZ Pay do not pull your credit for a rent-to-own agreement, so applying will not affect your credit score.
Your rate and payment depend on credit approval by the lender you apply with. Rates are fixed once approved. Checking your rate with HFS Financial or Shoreham Bank will not affect your credit score.
Loans range from $3,000 up to $450,000 depending on the lender. Shoreham Bank's FHA Title I loan goes up to $25,000 for a single-family home. Rent-to-own covers buildings up to $30,000.
24, 36, 48 or 60 months. A longer term lowers your monthly payment but raises the total you pay. Payments are before sales tax, fees and any optional damage waiver.
Yes. Both loans and rent-to-own can be paid off at any time with no penalty. RTO National also applies an early payoff discount based on your term and payments made.
A copy of your driver's license, your Social Security number, employer name and phone (or EIN if self-employed), two phone numbers, your down payment, and proof of insurance or enrollment in the provider's benefit program.
For rent-to-own, you pay your first month's rent (plus any fee, tax and deposit) when you sign. The next payment is due 30 days after delivery, paid directly to the rent-to-own company.
Related: what affects your price · buying guide · concrete slabs
Get started
Send your building and ZIP. A specialist will price it, then send the right loan or rent-to-own application so you can get approved before you order.
Prefer to talk? Call (800) 555-0199Takes about 30 seconds · No obligation
Build it in 3D in about 5 minutes, then get a custom quote for your ZIP from an Omega building specialist.
Free · No obligation · Custom quote for your ZIP
