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How To Rent-to-Own a Metal Building

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Gray custom barn with RV and vehicles parked in four spaces.

Metal buildings are a big investment, and chances are you’ll use them to protect other investments as well, such as cars, RVs, tools, etc. Our rent-to-own program may be for you if you need an affordable way to get a high-quality metal building without having another hit on your credit.

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If you’re interested in purchasing your metal building through a rent-to-own program, you should:

1. Confirm Availability


Every state has different restrictions for almost everything; unfortunately, rent-to-own programs are not exempt from this. For example, in California, rent-to-own programs are unavailable when purchasing a metal building.

If you want to rent-to-own, check before you even get a quote to ensure the option is available in your area.


Most rent-to-own programs go up to $20,000. If the retail of your metal building is over that amount, some programs will allow you to pay the difference down to qualify for rent-to-own. If this isn’t available, it’s recommended to look into financing options, which can go up to $55,000.

2. Speak to a Building Specialist

The only way to confirm that the price of the building you’re interested in will qualify for rent-to-own is to get a quote.

Speaking with a building specialist allows you to get a price and ask any questions you have about what size building you should get, how the process works, and any other specifics you need to know. Once you have a quote that falls within the rent-to-own limits, you can see what payment options are available.

Most rent-to-own programs offer 24-, 36-, 48-, and 60-month plans; in some areas, 12-month same-as-cash plans are also available. The best part is that all this information is 100% free through Bulldog Steel Structures.

3. Contract & Down Payment

Once you’ve selected the best plan for you, all that’s left is to sign your contract and pay your down payment. Your first payment on the building won’t be due until 30 days after the building is installed, and there are no early payoff penalties applied at any point in your contract.

The process is as easy as one, two, three.

Experience Convenience & Flexibility With Our Rent-to-Own Program

When you choose Bulldog Steel Structures’ rent-to-own program, you gain access to a range of benefits and flexible options that make purchasing your desired structure a breeze, including:

  • No credit check: We understand that financial situations can vary, which is why we don’t require a credit check. Regardless of your credit history, you can still take advantage of our rent-to-own program.
  • Affordable monthly payments: Our program offers affordable and flexible monthly payments, allowing you to secure the structure you need without straining your budget.
  • Easy application process: Applying for our rent-to-own program is a seamless experience. Our straightforward application process ensures a hassle-free journey from start to finish, so you can focus on selecting the perfect structure for your needs.
  • No penalties for early payment: At Bulldog Steel Structures, we value your financial flexibility. That’s why we don’t impose penalties for early payment. If you decide to settle your balance ahead of schedule, you can do so without incurring any extra charges.

Experience the benefits and flexibility of Bulldog Steel Structures’ rent-to-own program today, and take a step closer to purchasing the perfect structure for your residential, commercial, or storage needs.

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Frequently Asked Questions About the Rent-to-Own Process

Even with an easy process, it’s normal to have questions about the specifics; we’re also here to answer those. Below are some of the questions that are commonly asked about RTO programs.

If you don’t see your question answered here, contact Bulldog Steel Structures at (888)-551-2156 to speak with an experienced building specialist.

Will my credit be run to qualify for RTO?

No. When it comes to rent-to-own, most lenders don’t require a credit check. If one is required, the customer is made aware of this early in the process.

Do I have to have insurance?

While the building is being paid off, most lenders require the building to be insured. Most people put it under their homeowners insurance or the insurance provided by the lender — typically referred to as Loss Damage Waiver.

Do I have to own the land where the building will be built?

No. If you don’t own the land, you can still rent-to-own the building as long as the landowner gives written permission.

What are the benefits of choosing to rent-to-own?

Rent-to-own doesn’t make sense for everyone, but for most people, it’s the way to go when purchasing a metal building.

Most people already have car, home, and personal loans and don’t want their credit to take another hit. With rent-to-own, it doesn’t have to.

You can choose the plan that makes the most sense for you and your budget.

Are there any downsides to choosing rent-to-own?

Most people’s main concern is the interest rates, and historically, most rent-to-own programs do have astronomical interest rates. At the end of your contract, you may have paid almost double what the building costs. However, there’s a way to combat this.

In some areas, we can offer a 90-day same-as-cash option, and you’ll have 90 days after the building is installed to pay your building off in full; this would result in no-interest payments.

Another option, in other areas, is to pay off your contract early. With this option, you don’t have to pay any penalties, as you would be making a principal-only payment.

How do you know if rent-to-own is right for you?

Large investments can come with even larger fears, and at Bulldog Steel Structures, we understand and want to help.

Call (888)-551-2156 to learn more about your options for purchasing a metal building.

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I would recommend bulldog steel highly. They are very professional and accommodating. Want to give special thanks to Randall Hall and also matt preslar. They were very accommodating and helping me fill out paperwork and handling things when a timel...

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Bulldog has been great to work with. They explained everything from beginning to end. I live in the mountains of New Mexico and the staff made sure that my garage had the right support needed for this area of the country. I would highly recommend t...

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Have had nothing but a positive experience with Bulldog! Bryan was super helpful and still is after our install! He still responds super prompt and helpful. No complaints about our structure, as it looks amazing! Installers did a great job and pick...

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I have now had my building in place for 3 months and I want to say that the whole team at Bulldog was very helpful throughout the entire process. My salesperson, Matthew, was extremely responsive. He was very helpful with the design phase, where we...

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Frank Rangel was very helpful and respectful. Also very understanding. I was pouring a concrete driveway and trying to put my down payment down. I may of got a little frustrated in the middle of it all. I could see the smile on Frank's face the who...

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This is my second building from bulldog and I'm buying the same building , just different colors. They are great buildings that are strong and economical.

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The website was very flexible and helped me customize my carport. The Bulldog staff was very prompt and helpful throughout the process.

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