Flexible Ways to Own

Payment
Options

Cash, financing, or rent-to-own — we have a payment path for every budget. No credit check required for RTO.

Cash Purchase Financing Available Rent-to-Own No Credit Check RTO
Flexible Ways to Own

Payment Options

Whether you pay cash, finance, or rent-to-own — we have a plan that works for your budget. All RTO programs require no credit check. Financing options are available through our trusted lending partners.

Financing
Local Financing  ·  1st Franklin Finance
1st Franklin Finance

Local financing available through 1st Franklin Finance for qualifying purchases. A great option for customers who prefer working with a familiar regional lender. Credit acceptance required.

Max Amount $15,000
Rates & Terms Vary
Available For Portable Sheds Garages Swing Sets Storm Shelters
Credit acceptance required. Rates and terms vary by applicant.
Local Financing  ·  Southland Finance
Southland Finance

Higher-limit local financing through Southland Finance for larger purchases. Ideal for customers needing more than $15,000 in financing for sheds, garages, or other structures. Credit acceptance required.

Max Amount $50,000
Rates & Terms Vary
Available For Portable Sheds Garages Swing Sets Storm Shelters
Credit acceptance required. Rates and terms vary by applicant.
Eagle Carports  ·  Upgrade Finance
All Steel Financing

Competitive fixed-rate financing for all steel buildings through our partnership with Eagle Carports and Upgrade Finance. Rates as low as 7.99% APR with terms up to 10 years — no early payoff penalty.

Rate From 7.99%
Max Term 10 Years
Early Payoff No Penalty
Available For All Steel Buildings Carports Steel Garages Barns
Credit acceptance required. 7.99% represents best available rate. Rates vary by credit profile.
Rent-to-Own
Crockett Rentals  ·  No Credit Check
Swing Sets & Playsets

Rent-to-own your playset or swing set through Crockett Rentals with no credit check required. 1st payment is due at the time of order.

Term Options 24 – 36 Mo
Credit Check None
Available For Swing Sets Playsets Outdoor Play
1st payment due at time of order. Contact a sales associate for current rates and availability.
BCS Rentals  ·  No Credit Check
Portable Sheds

Rent-to-own any shed on our lot through BCS Rentals with no credit check. Choose from 36 or 60 month terms. First payment is due at time of order on most sheds. Some units may require a deposit — see pricing info or ask a sales associate.

Term Options 36 or 60 Mo
Credit Check None
Available For Portable Sheds Lofted Barns Cabins Utility Buildings
1st payment due on order for most sheds. Some units may require a deposit. Refer to the price tag or ask a sales associate for specific terms on each unit.
Ez Pay Rentals  ·  No Credit Check
All Steel Buildings

Rent-to-own your steel carport, garage, barn, or other structure through Ez Pay Rentals — no credit check required. Terms up to 60 months with no prepayment penalty.

Max Term 60 Mo
Down Payment 15 – 17%
Early Payoff No Penalty
Payment Timeline
At Order Deposit due + any engineering fees
At Install 1st monthly payment due
Engineering Drawings $300 upfront (if applicable)
Available For Steel Carports Steel Garages Steel Barns Commercial
Engineering drawing fees ($300) apply only on select buildings that require certified drawings. Not all buildings require them — ask a sales associate. No credit check required.
Financing Disclosure: All financing is subject to credit approval. Rates and terms vary by lender and individual credit profile. 7.99% APR represents the best available rate through Upgrade Finance and is not guaranteed. 1st Franklin Finance and Southland Finance rates and terms are set independently and subject to change without notice. Athens Barn Center is not a lender and does not make credit decisions. Rent-to-Own programs are not loans and do not require credit approval. RTO terms, down payment requirements, and total cost of ownership vary by program — ask a sales associate for a full breakdown before signing. Alimony, child support, or separate maintenance income need not be disclosed unless you wish it considered. All payment options are subject to availability and may change without notice.
Flexible Financing Available

Own It Now,
Pay Over Time

Don't let budget stand between you and the structure your property needs. Our financing program offers competitive fixed rates with flexible terms — so you can get your building installed now and spread the cost over time.

Fixed 7.99% APR — your rate never changes, no surprises
No early payoff penalties — pay it off whenever you're ready
5, 7, or 10 year terms — choose the payment that fits your budget
$3,000 – $100,000 — finance the full cost including delivery and install
Apply for Financing
Estimated Monthly Payment $487/mo Best rate 7.99% APR  ·  Based on credit approval  ·  No early payoff penalty
Finance Amount $25,000
$3,000 $100,000
Loan Term
Loan Amount $25,000
Total Interest Paid
Total Cost

Financing Disclosure: All financing is subject to credit approval. The rate of 7.99% APR represents the best available rate and is based on creditworthiness — actual rate may be higher depending on your credit profile. Monthly payment estimates shown are for illustrative purposes only and do not constitute a loan offer or guarantee of financing. Terms, rates, and availability are subject to change without notice. Not all applicants will qualify. Other terms and conditions may apply. Athens Barn Center is not a lender; financing is arranged through third-party lenders. Contact us for complete details.