Ark Metal Shelters
Financing & Rent‑to‑Own Options
Get your carport, garage, barn, RV cover, shop, or greenhouse installed fast with monthly payments that fit your budget. We serve Arkansas, Oklahoma, Texas, Louisiana, Mississippi, and Missouri.
Tip: For quickest approvals, have your site address, email, and a mobile number ready.
Flexible path to ownership — often no traditional credit check
- Low initial payment and easy monthly plans.
- Use the building while you pay over time.
- Early payoff available; no long‑term penalty for buying out early.
- Typical term options from 12 up to 60 months (varies by provider and state).
- Great when you want a low barrier to get started quickly.
Fixed APR, credit‑based loans
- Best total cost when you qualify for lower rates.
- Fixed payments & fixed APR; many decisions are instant or same‑day.
- Great for larger projects and longer timelines.
- $0 down options may be available with approved credit.
RTO vs. Financing
| Feature | RTO | Financing |
|---|---|---|
| Credit Check | Often not required (provider‑dependent) | Required |
| Terms | ~12–60 months | Longer terms available |
| Up‑Front Cost | Low initial payment | $0 down may be available with approved credit |
| Speed | Fast approvals with minimal paperwork | Quick decisions; more documentation |
| Best For | Getting installed quickly with flexible criteria | Lowest total cost if you qualify |
We’ll review your building specs and connect you with the best available program for your situation.
1) Choose your building
Use our online designer or send your dimensions, roof style (Vertical, Boxed‑Eave, or Standard), colors, doors, and windows. Panel gauges available in 29‑ga or 26‑ga; frames in 12‑ga or 14‑ga.
2) Quick application
Apply online or by phone in a few minutes. Most providers give instant or same‑day decisions.
3) Schedule install
Once approved and the site is ready, we’ll schedule delivery and installation.
What you’ll need
- Service area: Arkansas Oklahoma Texas Louisiana Mississippi Missouri
- Level site required. Concrete pads may be recommended or required for certain buildings; check local codes.
- Permits are the customer’s responsibility unless otherwise arranged.
- Valid ID, email, phone, and site address for applications.
Steel options: 12‑gauge or 14‑gauge frames; 29‑ga or 26‑ga panels; multiple roof styles and colors available.
Secure, flexible ways to pay
Digital payments
- Credit/Debit cards (processing fees may apply)
- ACH bank transfer
- Bank wire for large projects
Traditional payments
- Personal check
- Money order
- Cash (in person during scheduling/delivery where permitted)
We use industry‑standard security measures and encrypted channels for all sensitive data.
Common questions
Is Rent‑to‑Own the same as a loan?
No. RTO is a lease‑purchase style agreement offering a path to ownership with flexible approval criteria. Traditional financing is a credit‑based loan with a fixed APR.
Can I pay off my RTO early?
In many cases, yes. Early buyout options are common; we’ll provide the exact terms based on your program.
How fast is approval?
Most applications receive quick, often same‑day decisions. Having your site address, phone, and email ready speeds things up.
What down payment is required?
RTO typically starts with a low initial payment. Traditional financing may offer $0 down with approved credit; exact amounts vary by provider.
When will my building be installed?
After approval, we’ll schedule delivery and installation once your site is level and ready (and any required concrete or permits are in place).
Can I cancel after approval?
Provider policies differ. We’ll walk you through any fees or timelines before you sign.
Important notes
- Ark Metal Shelters is not a lender. Programs are offered through third‑party providers.
- All approvals, APRs, fees, and term lengths are determined by the provider and may vary by state and project size.
- Quotes are subject to change until a purchase agreement is executed.