Build Your Vision. Pay at Your Pace.
Payment Calculator
Adjust the price, down payment, and term to see your estimated monthly payment.
Payment Estimator
Powered by Hearth
* Payment estimates are for illustration purposes only. Actual rates, terms, and approval depend on your creditworthiness and lender criteria through Hearth. Pacific Metal Buildings does not offer financing directly.
Quick Price Reference
No credit impact for pre-approval
4 Simple Steps to Financing
One simple application, multiple lending options. Get pre-approved without impacting your credit score.
Quick Apply
Fill out one simple application — takes just minutes
Soft Credit Pull
Check your rate with no impact to your credit score
Compare Offers
Review multiple lender offers side-by-side
Start Building
Lock in your rate and begin your project
Traditional Financing
Fixed rates through Hearth
Competitive fixed rates with predictable monthly payments. Own your building from day one.
- Rates as low as 5.99% APR
- Terms from 36 to 72 months
- Fixed payments — no surprises
- Own your building from day one
How Hearth Works
One app, multiple lenders
One application connects you with multiple lenders. Compare and choose what works best.
- One application, multiple offers
- No impact to credit score
- Quick pre-approval process
- Transparent terms, no hidden fees
Financing FAQ
Everything you need to know about financing your metal building.
What credit score do I need?
Hearth works with multiple lenders offering options across a range of credit scores. You can check your rate without impacting your credit.
How long does approval take?
Most applicants receive pre-approval within minutes. Final approval typically takes 1-2 business days.
Can I pay off early?
Yes! All our financing options allow early payoff with no prepayment penalties.
What is the minimum down payment?
As low as $0 with our zero-down program. Standard financing typically requires 10-20%.
What buildings can I finance?
You can finance any metal building we offer — garages, barns, commercial buildings, workshops, carports, and more. Talk to our team for details.
Trusted by Homeowners & Businesses
Pacific Metal Buildings made the entire process super easy. From financing to installation, everything went smoothly. Highly recommend!
James R.
Used their Hearth financing and got approved in minutes. Monthly payments are very manageable. Beautiful 30x40 workshop, exactly as described.
Maria S.
Outstanding customer service and quality. The financing team helped us find the right payment plan for our farm building. Will use them again.
Tom H.