Finance your Amish-built shed, garage, pool house, outdoor retreat, or greenhouse with fixed rates, no down payment required, and no impact to your credit score to see your offers.
Up to $100,000 per borrowerNo credit impact to see offersSame-day approvalsRent-to-Own available
Hassle-Free Structure Financing
Built for Backyard Dreamers
Sometimes the perfect outdoor structure needs a little financial flexibility. Shed Lender connects Stoltzfus Structures customers with financing designed for sheds, garages, pool houses, and everything in between.
Up to $100,000 Per Borrower
No co-borrowers needed — and multiple people in a household can each apply for their own loan up to $100,000.
No Land Ownership Required
You do not have to own the property where the structure is going. Renters and properties owned by a business entity or trust qualify.
No Credit Impact to See Offers
A soft credit pull shows your eligible offers. Your credit is only impacted once you select an offer and eSign the loan agreement.
Same-Day Approvals
Most customers are approved within minutes of applying — and proof-of-income documents may not be required.
Fixed Rates, No Surprises
Your rate and monthly payment never change over the life of the loan. No closing costs, no fees, no down payment required.
No Prepayment Penalty
Pay off your loan balance whenever you want without an additional fee — on every financing option we offer.
Amish Craftsmanship Since 1978
Finance Any Stoltzfus Structure
From storage sheds to two-story garages, over 45 years of Amish craftsmanship backs every structure — with an industry-leading 5/10-year warranty.
Sheds — Storage, Garden & EliteGarages — Single, Double & Timber FramePool HousesPavilions, Pergolas & GazebosHome Offices, She Sheds & Man CavesGreenhouses
Answer a few quick questions — about 30 seconds. No Social Security number, no credit inquiry, no impact on your credit score.
STEP 2
See Your Financing Options
Based on your answers, we show you every financing option that fits — consumer loans, building loans, 6-month promotional financing, Rent-to-Own, and home equity options.
STEP 3
Apply With the Lender
Apply online using your total household income. A soft credit pull shows your eligible offers with no impact to your credit score.
STEP 4
Build Your Dream Structure
Accept your offer and eSign. Same-day approvals are available, and your Stoltzfus project moves straight into production.
Payment Estimator
Explore Your Loan Options
See your estimated monthly payment in seconds — then apply online in minutes. Select a loan option to see how it works, estimated payments, loan terms, and how to apply. Checking your options never affects your credit score.
Select a loan option above to estimate your monthly payments and see loan details
Consumer Financing — Upgrade
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*Rate includes 0.50% discount for enrolling in autopay. Customers who do not enroll in autopay will have an interest rate that is 0.50% higher. ⓘ Estimated payments are for illustration purposes only and are not an offer of credit. Actual rates, terms, and payments are set by the lender after credit approval.
Financing Overview
What Consumer Financing Offers
Up to $100,000 in financing — there are no co-borrowers, but multiple people can each apply for a loan using their total household income (even if the person applying doesn't have income)
Soft credit check available — a soft pull checks if you pre-qualify and won't impact your credit. Your credit is only affected once you accept an offer and finish your application.
Same-day approvals available — most customers are approved without proof of income
No equity or appraisal required — this is not a mortgage product
No prepayment penalty — pay off the balance any time with no added fee
No minimum down payment required
No origination fee or closing costs — no fees to obtain this financing
5 to 15-year terms available
Fixed rates — your rate never changes for the life of the loan. Your rate is based on your FICO credit score.
Getting Started
How to Apply
Use the Apply with Upgrade button below — the online application takes just minutes and starts with a soft credit check.
Do You Qualify?
Eligibility
Borrowers do not have to own the property to apply
Minimum 680 credit score. Other factors such as income, debt, and credit history also affect approval.
Customers apply using their Total Household Income — the yearly income of everyone living with them
The Process
How It Works
1
Complete the loan application
A soft credit pull checks if you pre-qualify — this won't impact your credit. Your credit is only affected once you accept the offer and complete the application process.
2
Loan approval
Most customers are approved without documents. You can upload any requested documents directly to the lender, or to Stoltzfus Structures through our Secure Document Upload Page — we'll upload them for you.
3
eSign your agreements
Once approved and any conditions are cleared, you finalize your order with your sales rep (who can adjust the loan amount to match your price if needed), then eSign your Purchase Agreement and Loan Agreement. A hard credit pull occurs upon eSigning your Loan Agreement.
4
First 50% of funds released
The lender releases the first 50% to Stoltzfus Structures so we can build your structure. Interest accrues on the 50% released (not the full loan amount).
5
Your structure is delivered
The remaining balance due is released to Stoltzfus Structures after delivery — interest now accrues on the total loan amount, and your first monthly loan payment is due in 30 days.
⚠ Important:
On the application, enter your Yearly Income — not your monthly income.
Enter your Total Household Income (the income of everyone living with you) — don't worry, you won't need anyone else's personal information to apply; only your information is needed.
Soft credit check to see your offers — checking never affects your credit score. Minimum 680 FICO. Up to $100,000 per borrower.
Building Loan — Thrive Financial
Online application coming soon — within the next few weeks.
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*Rate includes 0.50% discount for enrolling in autopay. Customers who do not enroll in autopay will have an interest rate that is 0.50% higher. ⓘ Estimated payments are for illustration purposes only and are not an offer of credit. Rates are based on the July 2026 rate sheet. Actual rates, terms, and payments are set by the lender after credit approval.
Financing Overview
What Thrive Financing Offers
Up to $200,000 in financing — there are no co-borrowers — instead, customers apply using their total household income. Customers without income may be approved using the income of others living with them.
Soft credit check available — a soft pull checks if you pre-qualify and won't impact your credit. Your credit is only affected once you are pre-qualified and authorize a hard credit pull to finish your application.
Same-day approvals available — most customers are approved without proof of income
No equity or appraisal required — this is not a mortgage product
No prepayment penalty — pay off the balance any time with no added fee
No minimum down payment required
No origination fee or closing costs — no fees to obtain this financing
6 months of interest-only payments
5 to 20-year terms available
Fixed rates — your rate never changes for the life of the loan. Your rate is based on your FICO credit score.
Getting Started
How to Apply
Just let your Stoltzfus Structures Sales Rep know two things — we'll email you an invitation to apply.
Tell us the amount
Let your rep know how much you'd like to borrow.
Tell us the state
The state we'll be delivering your structure to.
Get your invite
We email you a secure invitation to complete your application.
Do You Qualify?
Eligibility
You must own the property where the structure will be located — lot numbers and parcel IDs are accepted.
If the property is owned by a business entity (such as an LLC), you must be an owner of that entity. Other owners will need to authorize the purchase and the loan.
Vacant / raw land qualifies — there does not need to be an existing home or dwelling on the property.
Minimum 550 credit score. Other factors such as income, debt, and credit history also affect approval.
The Process
How It Works
1
Complete the loan application
A soft credit pull checks if you pre-qualify — this won't impact your credit. Your credit is only affected once you accept the offer and complete your application.
2
Loan approval
Most customers are approved without documents. You can upload any requested documents directly to the lender, or to Stoltzfus Structures through our Secure Document Upload Page — we'll upload them for you.
3
eSign your agreements
Once approved and any conditions are cleared, you finalize your order with your sales rep (who can adjust the loan amount to match your price if needed), then eSign your Purchase Agreement and Loan Agreement. A hard credit pull occurs upon eSigning your Loan Agreement.
4
First 50% of funds released
The lender releases the first 50% to Stoltzfus Structures so we can build your structure. Interest-only payments begin in 30 days, based on the 50% released (not the full loan amount).
5
Your structure is delivered
The final 50% is released after delivery. Any remaining interest-only payments continue, now based on the full loan amount. When the 6-month interest-only period ends, you begin standard monthly payments (principal + interest).
⚠ Important:
On the application, enter your Yearly Income — not your monthly income.
Enter your Total Household Income (the income of everyone living with you) — don't worry, you won't need anyone else's personal information to apply; only your information is needed.
Online application coming soon — within the next few weeks.
6 Months No Interest & No Payments — Pure Finance
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⚠ Important — please read:
This is not 0% financing with recurring monthly payments.
There are no minimum payments and no interest during the 6-month promotional period.
To avoid paying any interest, the entire loan balance must be paid off before the 6 months end.
Any remaining balance then becomes a 10-year loan at 9.99% APR.
Financing Overview
What 6 Months No Interest & No Payments Offers
No interest and no minimum monthly payments during the 6-month promotional period — any remaining balance at the end of the promotional period will be subject to a 10-year loan term at 9.99% APR. If you pay off your entire loan balance before the 6-month promotional period ends, you pay no interest.
Up to $20,000 in financing
Soft credit check available — a soft pull checks if you pre-qualify and won't impact your credit. Your credit is only affected once you accept an offer and eSign the Loan Agreement.
Same-day approvals available — most customers are approved without proof of income
No equity or appraisal required — this is not a mortgage product
No prepayment penalty — pay off the balance any time with no added fee
No minimum down payment required
No origination fee or closing costs — no fees to obtain this financing
5 to 15-year terms available
Fixed rates — your rate never changes for the life of the loan. Your rate is based on your FICO credit score.
Getting Started
How to Apply
Use the Apply with Pure Finance button below — complete the quick application to see your loan offers.
Do You Qualify?
Eligibility
The person(s) applying must own their primary residence — this is the home address where you live. You do not have to own the property where the structure is going.
The primary residence cannot be owned by a business — this includes LLCs
Minimum 680 credit score. Other factors such as income, debt, and credit history also affect approval.
Customers can apply with or without a co-applicant
Customers living in MA or NY do not qualify
The Process
How It Works
1
Complete the loan application
A soft credit pull checks if you pre-qualify — this won't impact your credit. Your credit is only affected once you accept the offer and eSign the Loan Agreement.
2
Loan approval
Most customers are approved without documents. You can upload any requested documents directly to the lender, or to Stoltzfus Structures through our Secure Document Upload Page — we'll upload them for you.
3
eSign your agreements
Once approved and any conditions are cleared, you finalize your order with your sales rep (who can adjust the loan amount to match your price if needed), then eSign your Purchase Agreement and Loan Agreement. A hard credit pull occurs upon eSigning your Loan Agreement.
4
6 months of no interest & no payments
There is no interest and no minimum monthly payments during the 6-month promotional period — any remaining balance at the end of the promotional period will be subject to a 10-year loan term at 9.99% APR.
5
Your structure is delivered
The remaining balance due is released to Stoltzfus Structures after delivery.
"Could not have been happier with this whole experience. From the day we came to your lot til the final build everything was top notch. I will strongly recommend Stoltzfus to all."
Joe
Verified Stoltzfus Structures customer
★★★★★
"When the shed was delivered our first thoughts were WOW! The shed is more beautiful than we could have imagined. The quality of the workmanship is Superior. Every detail met our expectations if not exceeded them."
Ann & Steve Viszlay
Verified Stoltzfus Structures customer
★★★★★
"I'm loving my new shed! The process was very professional and seamless and I was very pleased with the pricing. I would definitely recommend your company to others."
Customer in Waterbury, CT
Verified Stoltzfus Structures customer
Google users gave Stoltzfus Structures over 1,000 five-star reviews — plus 300+ on Facebook and hundreds more submitted directly.
Common Questions
Frequently Asked Questions
No. Checking your eligibility on this site involves no credit inquiry at all — we do not collect your Social Security number. When you apply with the lender, a soft credit pull shows your eligible offers without impacting your credit. Your credit is only impacted once you select an offer and eSign the loan agreement.
No. Our primary lending partner does not require you to own the property where the structure is going. This means:
Renters can qualify
Structures going on family or friends' land can qualify
Properties owned by a business entity or trust can qualify
A FICO score of 680 or higher qualifies for our fixed-rate loan program up to $100,000. Below 680, you still have options:
Rent-to-Own — no credit check required, up to $25,000
Building Loan (Thrive Financial) — credit scores from 550 can qualify when the structure goes on property you own
Home equity lines of credit — if you own your home
Apply using your Total Household Income, entered as annual (not monthly) income:
Under "Individual Income," include your spouse's income
Under "Additional Income," include the income of any other individuals living with you
Up to $100,000 per borrower with fixed-rate terms of 5, 7, 10, 12, or 15 years. There are no co-borrowers, but multiple people in a household can each apply for their own loan up to $100,000. Loan funds can only be used for your project with Stoltzfus Structures.
No, no, and no. There is no down payment required, no closing costs or fees, and you can pay your loan off early at any time without a penalty. These loans are unsecured — no equity or appraisal required.
Through Pure Finance, there are no minimum monthly payments and no interest during the first 6 months. Important details:
This is not 0% financing with recurring monthly payments — to avoid all interest, the entire balance must be paid off before the 6-month promo period ends
Any remaining balance after 6 months becomes a fixed 10-year loan at 9.99% APR
Up to $20,000 — apply as an individual or with a co-applicant
You must own your primary residence (it cannot be owned by a business entity); you do not have to own the property where the structure is going
Not available to customers living in New York or Massachusetts
Rent-to-Own requires no credit check. You make fixed monthly payments for up to 4 years and own the structure once the balance is paid off, with no prepayment penalty. Available up to $25,000. Structures that do not qualify:
Answer a few quick questions and we'll show you every financing option you're eligible for. This takes about 30 seconds and does not affect your credit score.
A About the Borrower
These questions are about the person applying for financing.
Which state will the structure be delivered to? *
Please select a state.
What is the borrower's estimated credit score? *
Your best estimate is fine — this is not a credit check.
Please select an option.
Does the borrower own the home they currently live in? *
This does not affect the main loan program — it only unlocks additional home-equity options.
Please select an option.
B About the Structure
Tell us what you're buying so we can match the right programs.
What type of structure are you financing? *
Please select a structure type.
Does the borrower own the property where the structure is going? *
This unlocks the Building Loan program — it is not required for Consumer Financing.
Please select an option.
About how much would you like to finance? *
Enter the estimated amount, from $1,000 to $100,000.
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Please enter an amount between $1,000 and $100,000.
No hard credit pull. This check does not affect your credit score.
Your Results
Financing Options You Can Apply For
Based on your answers, here are the programs that fit. Applying to see your offers will not affect your credit score.
