Building Financing Options: HFS and SoFi

You want a quality building on your property — a metal garage, a wooden shed, a carport, or another structure that fits how you live and work — and a payment path you understand before you order.

Hinton Buildings is the guide. Our team at the Princeton, Dunn, and La Grange lots will help you choose the right building, then walk you through the financing and rent-to-own paths that actually apply to it.

Key takeaways

You can apply for financing through HFS or SoFi using the buttons below.
HFS and SoFi financing apply to all building types.
Manufacturer rent-to-own covers wooden buildings, decks, and coops, and rent-to-own sheds must be set on concrete blocks.
Confirm current eligibility and terms with the lender and our team. We do not list rates or approval times here, because those must be quoted for your building and your application.

Who wrote this guide

This guide is maintained by the Hinton Buildings team in Eastern North Carolina — an authorized Old Hickory dealer helping customers choose wooden buildings, tubular metal buildings, Carolina Play Sets, FlatBox flat-pack containers, and portable decks from lots in Princeton, Dunn, and La Grange. We position on quality and the right fit, not the cheapest quote.

A portable building on a Hinton Buildings lot — financing can apply to more than metal garages alone.

Apply for financing

Start an application with HFS or SoFi. Both options apply to all building types, including metal buildings, garages, carports, and wooden sheds.

HFS

HFS financing applies to all building types, including metal buildings, garages, carports, and wooden sheds. Confirm current eligibility and terms with HFS before you choose a path.

Apply with HFS

SoFi

SoFi financing applies to all building types, including metal buildings, garages, carports, and wooden sheds. Confirm current eligibility and terms with SoFi before you choose a path.

Apply with SoFi

If a lender needs additional documentation, they will request it from you. After you are approved, we work with you on how to use that financing toward the purchase.

A tubular metal garage is one of the building types customers finance — not the only one.

Which payment path fits which building?

Path	Applies to	How to start
HFS financing	All building types	Apply with HFS
SoFi financing	All building types	Apply with SoFi
Manufacturer rent-to-own	Wooden buildings, decks, and coops	Ask on the lot; rent-to-own sheds must be set on concrete blocks

HFS and SoFi are financing applications. Manufacturer rent-to-own is a separate path. It does not apply to metal buildings, FlatBox, or playsets.

Confirm current terms

Programs change. Get eligibility, rates, and repayment terms for your specific building before you assume cash is the only path, or before you treat a monthly payment as the total cost.

Wooden portable buildings can use HFS or SoFi financing, or manufacturer rent-to-own when the program fits.

How financing works with Hinton Buildings

Once a lender approves you, your lending limit and APR are set by that lender’s underwriters. We then work with you to apply that financing to the building.

Deposit, then finance the balance. Many customers pay the building deposit up front and finance the remainder.
No cash down. Other customers elect to purchase the building with no cash down. This does involve some extra expense. Our building experts will be glad to discuss this option once you reach that point.

Manufacturer rent-to-own for wooden buildings, decks, and coops

Manufacturer rent-to-own is available for wooden buildings, portable decks, and chicken coops. It is not available for metal buildings, FlatBox flat-pack containers, or playsets. Learn how rent to own works.

Rent-to-own sheds are required to be set on concrete blocks. Blocks from the driver cost $4.50 each and are payable directly to the driver at installation. For how wooden sheds are set on unprepared or unlevel ground, see our permits, pads, and financing FAQ.

Bring this to your visit

Site photos, approximate measurements, the building you have in mind, and any questions about financing or rent-to-own. Better inputs make a cleaner plan.

Choose the payment path that fits the building, not the other way around.
Hinton Buildings

Frequently asked questions

What financing options can I apply for with Hinton Buildings?

You can apply for financing through HFS or SoFi using the buttons near the top of this page. Confirm current eligibility and terms with the lender, then our team will help you apply that financing to your building.

Do HFS and SoFi financing apply to metal and wooden buildings?

Yes. HFS and SoFi financing apply to all building types, including metal buildings, garages, carports, and wooden sheds.

Is manufacturer rent-to-own available for metal buildings, FlatBox, or playsets?

No. Manufacturer rent-to-own covers wooden buildings, decks, and coops only. Rent-to-own sheds are required to be set on concrete blocks.

Can I pay a deposit and finance the balance, or buy with no cash down?

Many customers pay the building deposit up front and finance the balance. Other customers elect to purchase the building with no cash down; that path involves some extra expense. Our building experts will discuss the option that fits your order once you have a building and a lender decision.

Where should I start if I am still choosing a building?

Apply with HFS or SoFi if you are ready to start a financing application, or visit our lots in Princeton, Dunn, and La Grange to walk inventory first. You can also use the form on this page, and review our permits, pads, and financing FAQ for site-prep questions.

Related guides from Hinton Buildings

Permits, Pads & Financing FAQ — site prep, blocks, and the order of decisions
Storage unit vs buying a building — owning the space you use, including financing and rent-to-own
Metal garage buyer guide — tubular metal garages in North Carolina
Old Hickory authorized dealer guide — wooden buildings on our lots
Our locations — Princeton, Dunn, and La Grange