Complete the form below to check whether you pre-qualify for a loan offer — without impacting your credit score. We use a soft credit inquiry only during the pre-qualification step. Takes less than 5 minutes.
Dealer Role & Relationship. Athens Barn Center (located at 613 Congress Pkwy N, Athens, TN 37303) is an authorized dealer for Eagle Carports, Inc. and acts solely as a referral source and application conduit for consumer financing. Athens Barn Center is not a lender, credit provider, or financial institution and does not make credit decisions. All financing is provided by third-party lenders including, but not limited to, Upgrade, Inc. (NMLS #1548935) and Cross River Bank, Member FDIC. The availability of financing and any loan terms, rates, and amounts are determined solely by those lenders.
Personal Information & Data Sharing. By submitting this application, you authorize Athens Barn Center to transmit your personal information — including name, address, date of birth, Social Security Number (or last four digits thereof), income, and other financial information — to Upgrade, Inc. and Cross River Bank for the purposes of evaluating your pre-qualification. Your information will be handled in accordance with Upgrade's Privacy Policy, available at www.upgrade.com/privacy, and Cross River Bank's privacy practices. Athens Barn Center does not retain, sell, or use your financial application data for any purpose other than facilitating this referral.
Eagle Carports. Eagle Carports, Inc. is the manufacturer of the steel structures offered for sale by Athens Barn Center. Eagle Carports is not a lender and has no role in the financing process. Product descriptions, pricing, availability, and specifications are subject to change without notice and are the responsibility of Eagle Carports and Athens Barn Center respectively.
Credit Inquiry. The pre-qualification process uses a soft credit inquiry, which does not affect your credit score and is not visible to other lenders. If you accept a loan offer and proceed to a full application, a hard credit inquiry may be performed at that stage, which may impact your credit score. You have the right to decline any loan offer without obligation.
Soft Pull Authorization. By submitting this form, you expressly authorize Upgrade, Inc. and Cross River Bank to obtain a consumer credit report from one or more credit reporting agencies in connection with your pre-qualification request. This authorization is valid for the pre-qualification process only. Any subsequent hard inquiry will require separate authorization at the time of full application acceptance.
Equal Credit Opportunity Act. All lending partners of Athens Barn Center are equal opportunity lenders. Federal law prohibits discrimination against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Income Disclosure Notice. Alimony, child support, or separate maintenance income need not be disclosed unless you wish to have it considered as a basis for repaying the loan obligation you are applying for.
Right of Cancellation. If you obtain a loan, you may have a right to cancel the loan agreement within a certain time period after closing. The specific cancellation period and procedures will be described in the Notice of Cancellation provided to you at the time of loan closing. Please review that notice carefully.
Rates & Terms. Loan offers, interest rates, annual percentage rates (APR), and repayment terms are not guaranteed and are subject to credit approval, income verification, and other underwriting criteria. The rate of 7.99% APR represents the best available rate; your actual rate may be higher based on your creditworthiness and other factors. Loan amounts, terms, and availability may vary by state. Not all applicants will qualify. Terms are subject to change without notice.
No Guarantee of Financing. Submission of this application does not guarantee loan approval or the availability of financing for any specific purchase. Athens Barn Center makes no representations or warranties regarding the approval, terms, or availability of financing. Athens Barn Center reserves the right to require full payment at the time of purchase regardless of financing application outcome.
Privacy & Security. This application is transmitted using industry-standard SSL encryption. Athens Barn Center does not store complete application data on its servers. For questions regarding your data or to exercise your privacy rights, contact Upgrade directly at www.upgrade.com/privacy or Athens Barn Center at (423) 746-8900.
Upgrade, Inc. NMLS #1548935. Cross River Bank, Member FDIC. Loans are made by Cross River Bank, a New Jersey state-chartered commercial bank, or by Upgrade's other lending partners. All loans are subject to applicable law. Athens Barn Center is an independent dealer and is not affiliated with, sponsored by, or acting as an agent of Upgrade, Inc. or Cross River Bank. © Athens Barn Center. All rights reserved.
