Rent-To-Own Metal Garages

A quality steel garage shouldn't be out of reach because of upfront costs or credit challenges. Viking Steel Structures makes enclosed metal garage ownership accessible and stress-free through our trusted Rent-to-Own (RTO) program. With no credit check required, same-day approval, and delivery and installation included in your total price, you can secure your vehicles, tools, and valuables today — and own your garage outright in as little as 24 to 60 months.

Whether you need a compact single-car enclosed garage, a spacious two-car workshop, or a large multi-bay structure, our RTO program connects you with three nationally recognized lending partners to match your budget, timeline, and property type. No banks. No credit bureaus. No waiting.

What Is a Rent-to-Own Metal Garage?

A rent-to-own (RTO) metal garage is a flexible ownership agreement that lets you take possession of and use your garage immediately while making affordable monthly payments over a set term — typically 24 to 60 months. Unlike a traditional bank loan, RTO does not require a credit check, proof of income in most programs, or a large lump-sum payment.

Once you complete your final payment, the garage is 100% yours — free and clear. Most programs also allow you to pay off your balance early at any time, penalty-free. And if circumstances change, you may return the structure under the terms of your agreement with no remaining balance obligation.

In practical terms: you pay a small amount upfront (typically 10–20% of the total), agree to a monthly payment schedule, and begin using your garage the day it's installed.

RTO vs. Traditional Garage Financing: Which Is Better?

The answer depends on your situation. Here's a clear comparison:

If you have strong credit and want to spread payments over a longer term with potentially lower total cost, our traditional garage financing options may be worth exploring. But if you want fast approval, no credit concerns, and the flexibility to return or pay off early, RTO is the smarter path.

Key Benefits of the Viking Steel Structures’ RTO Garage Program

No Credit Check Required

All our RTO lending partners offer programs that don't check your credit score. Whether you've had financial difficulties in the past or simply prefer to keep credit bureaus out of the process, our program is designed to be accessible to everyone. RTO Nation and Heartland have no credit check regardless of amount. EZPay offers no credit check on amounts up to $12,000.

Same-Day Approval

Forget waiting days or weeks for a lending decision. Our partners process applications quickly — in most cases, you'll receive approval the same day you apply. Once approved, your order goes into production and we begin scheduling delivery.

Flexible Payment Terms

Choose from 24, 36, 48, or 60-month payment terms depending on your state and lender program. EZPay doesn't even start your payments until 30 days after installation — so you're never paying for a garage that isn't yet in use.

Delivery & Installation Included

Your quoted RTO price is all-inclusive. Professional crews deliver and install your metal garage — no surprise labor fees, no hidden costs. You'll know your exact total before signing anything.

No Early Payoff Penalty

Receive an inheritance? Land a big contract? You can pay off your RTO balance at any point without incurring additional charges. Own your garage outright on your schedule, not a lender's.

Return Option

RTO is a lower-commitment path than a bank loan. If your situation changes — you move, downsize, or simply no longer need the structure — most RTO agreements allow you to return the building with no remaining balance. That kind of flexibility simply doesn't exist with traditional financing.

How the Rent-to-Own Process Works: 5 Simple Steps

Step 1 — Choose Your Garage. Browse our gallery of metal garages or use our 3D Building Estimator to design your ideal structure. Choose your size, roof style (regular, boxed eave, or vertical), door placement, wall panels, color, and any add-ons. Every detail is customizable within your RTO agreement.

Step 2 — Review Payment Terms. We explain the terms for your matched lender program clearly — no confusing jargon, no hidden clauses. You'll know exactly what you're committing to before you sign.

Step 3 — Submit Your Application. Complete a short online or phone form. No credit check. No income documents required for most programs. Takes just a few minutes.

Step 4 — Get Approved. Receive same-day approval. Our team connects you with the best-fit lender for your location and program needs.

Step 5 — Delivery & Installation. Your garage is manufactured, delivered, and professionally installed with minimal lead time. First payment is due 30 days after installation (EZPay). Your garage is ready to use from day one.

Our Three Trusted RTO Lending Partners

Viking Steel Structures works with three nationally recognized RTO providers — not just one. This means we match you to the best program for your state, property type, and budget:

RTO Nation

• No credit check

• No proof of income required

• Payment terms: 24, 36, 48, or 60 months (state-dependent)

• No early payoff fee

• Up to $20,000

• Customer or co-signer must own property

EZPay

• No credit check for amounts under $12,000

• Zero interest charged on the RTO agreement

• Payments begin 30 days after installation — not at signing

• Available to both homeowners and renters

• No hidden fees

Heartland

• No credit check

• No minimum amount required (except 72-month term)

• No prepayment penalties

• Extended terms: 84 to 126 months for larger certified buildings

• Building must be certified; labor charges excluded from loan amount

Not sure which program is right for you? Call our building specialists at 877-801-3263 — we'll match you to the best lender for your specific situation.

Rent-to-Own Metal Garage Options We Offer

Every metal garage in our lineup is available through the RTO program. Here are the most popular categories:

• Single-Car Enclosed Garages — Starting around $7,000–$9,000. Perfect for one vehicle, motorcycle storage, or hobby workspace

• Two-Car Metal Garages — 20'–24' wide options. Ideal for two vehicles, a vehicle plus storage, or a home workshop

• Three-Car & Large Garages — 28'–36' wide structures for multiple vehicles, commercial equipment, or a full workshop setup

• Side-Entry Garages — Drive-in from the side, great for long driveways or odd lot configurations

• Garage + Lean-To Combos — Extra covered storage attached to your enclosed garage

• RV Garages — Tall, deep structures (20x35x12 and larger) for RVs, motorhomes, or boats

All garages are fully customizable: roof style (regular, boxed eave, or vertical), wall configuration, door sizes, windows, colors (13+ options), and more. The total RTO price covers your custom configuration.

Rent-to-Own Metal Garage Prices & Monthly Payment Estimates

Your monthly RTO payment depends on the building's total price, your chosen payment term, lender program, and applicable state tax. Here are representative estimates to help you plan:

Note: These are illustrative estimates only. Actual payments vary by state, lender program, down payment amount, and final building specs. Use our free RTO Calculator for a personalized estimate, or call 877-801-3263 for an exact quote.

Creative Uses for Your RTO Metal Garage

Our enclosed metal garages serve far more purposes than vehicle storage. Customers use their RTO garages as:

• Home workshop or woodworking studio — fully enclosed, secure, all-weather

• Classic car or collector vehicle storage — climate-controllable with added insulation options

• Man cave or she-shed — a private retreat with customizable doors and windows

• Small business storage — inventory, tools, equipment, or materials

• Home gym — permanent, weatherproof, and exactly the right size

• Hunting, fishing, and outdoor gear storage

• ATV, UTV, dirt bike, and snowmobile storage

• RV and motorhome garage — taller models fit Class A through C

Whatever your intended use, our RTO program makes it possible to secure the structure you need now, without waiting to save up the full amount.

Why Choose Viking Steel Structures for Your RTO Garage?

Viking Steel Structures is an authorized metal building dealer with deep expertise and established partnerships with three of the nation's most trusted RTO lenders. Here's why customers choose us:

• Top lending partners — more options = better match for your situation

• Interactive RTO Calculator — estimate your monthly payments instantly

• 3D Building Estimator and Color Planner — design with confidence before you commit

• 300+ verified Google reviews attesting to our service and installation quality

• Nationwide delivery and installation across 45+ states

• Based in Elkin, NC — a real company with real people available Mon–Fri

• Manufacturer warranties on every structure

Frequently Asked Questions About Rent-to-Own Garages

Do I need a credit check for a rent-to-own metal garage?

No. All three of our RTO lenders — RTO Nation, EZPay, and Heartland — offer programs with no credit check. EZPay has no credit check on amounts up to $12,000. RTO Nation and Heartland offer no-credit-check approval across their programs. Your credit score does not determine whether you qualify.

How quickly can I get approved?

Approval is same-day. Once you complete the brief application, our lending partners process it quickly — typically within minutes during business hours. There's no waiting period, no back-and-forth with a bank.

Can I customize my rent-to-own garage?

Yes — completely. The RTO agreement covers the full price of your customized garage, including your chosen size, roof style, wall panels, door types and sizes, windows, and color. Use our 3D Builder to design it exactly how you want before applying.

How long until I own my garage outright?

Depending on your selected term, you can own your garage in as little as 24 months or up to 60 months through RTO Nation and EZPay. Heartland offers extended terms up to 126 months for larger certified structures. You can also pay off the balance early at any time without penalty.

What if I miss a payment?

Contact your RTO lender directly if you're having difficulty making a payment. Each program has its own policy for late or missed payments — refer to your RTO agreement's Terms & Conditions. Our team can help you navigate this if needed.

Can I pay off my garage early?

Yes — and with no penalty. All of our RTO programs allow early payoff at any time. Simply contact your lender with a settlement request, pay the remaining balance, and the garage is yours.

Do I need to own property to qualify?

It depends on the lender. RTO Nation requires the applicant or co-signer to own property. EZPay is available to both homeowners and renters. If you're a renter, call us and we'll identify which program is available for your situation.

Is delivery and installation really included?

Yes. Your quoted RTO price is all-in. Professional delivery and installation are included at no additional charge. You'll know your exact total cost before you sign anything.

What is the maximum amount I can finance?

RTO Nation covers up to $20,000. EZPay offers no-credit-check terms for amounts under $12,000. Heartland's program covers larger certified buildings with terms up to 126 months. For buildings above $20,000, traditional financing may be a better fit — our team can walk you through both options.

What's the difference between RTO and renting a storage unit?

With a storage unit rental, every payment goes toward access — you never own anything. With RTO, every payment moves you toward ownership. When your term is complete, the garage is yours permanently. It's an investment, not an expense.