Pole Barn Financing & Loan Options

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How Pole Barn Financing Works With Acorn

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Acorn Finance puts you in control of selecting the best pole barn financing rates. We let you compare personalized pole barn loans from lenders in our network, with no impact to your credit score. Get a loan for a metal building or pole barn easily – we’ll help you check for pre-qualified offers in seconds with our broad network of national lending partners. You can easily sort the pole barn financing offers based on what’s most important to you: interest rate, payment amount, length of the loan term. Our 100% online, customer-friendly process is designed to help you find affordable payment options with lenders that can quickly finance your new pole barn or metal building.

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Easy Pole Barn Financing With Acorn

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Pre-qualified pole barn loans with an easy online application

Won't Impact Your Credit

Pre-qualified pole barn financing offers with no impact to your credit score

Competitive Payment Options

Pole Barn loans up to $100,000; Terms up to 12 years; APRs low as 4.99%

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Receive funds for your pole barn in as little as one business day

“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”


– Mike T. (TN)

“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”


– Carol R (FL)

“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”


– Bob S (WI)

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Learn More About Pole Barn Financing

If you’re in need of some extra space — whether it’s for residential, commercial, or agricultural purposes — you may be considering constructing a pole barn on your property. And, these days, among the most popular types of such structures are pole barns. But exactly what is a pole barn, and what’s the best way to go about getting one? This overview tells you everything you need to know.

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What Is a Pole Barn?

Simply stated, pole barns are sturdy, adaptable buildings made using a technique known as post-frame construction. This involves burying numerous posts a few feet into the ground to serve as a foundation for the building. Pole barns are generally far more affordable than traditional wooden barns, and they typically take far less time to construct.

Pole Barns vs Traditional Barns

Although pole barns and traditional barns can serve similar purposes, they each offer their own advantages and drawbacks. Here’s a quick look at the few of the most prominent pros and cons to consider.

Pole Barn Pros

  • They last longer and can withstand more damage
  • They’re easier to maintain than wooden barns
  • They’re generally better for the environment

Pole Barn Cons

  • Pole barns often aren’t as attractive as wooden barns
  • Although pole barns take less time to build, the process is more complex
  • Despite their sturdiness, pole barns can be dented quite easily

Traditional Barn Pros

  • Traditionally wooden barns have more aesthetic appeal than pole barns
  • Wooden barns take more time to build, but the process is simpler
  • Wooden barns are less likely to dent than pole barns

Traditional Barn Cons

  • Traditional barns usually require more upkeep to maintain them
  • Wooden barns are less durable when it comes to natural disasters
  • Because they require lumber, wooden barns aren’t great for the environment

Do Banks Finance Pole Barns?

If you don’t have enough cash in the bank to cover the cost of a pole barn construction, you may be wondering if a bank can help you finance the project. The good news is that many banks, creditors, and other lending agencies do, in fact, offer pole barn financing options, although these plans typically depend on your reliability as a borrower.

How to Get a Loan for a Pole Barn?

There are many options for getting a pole barn loan. Acorn Finance provides loans up to $100,000 and APRs as low as 4.99% for pole barns. We provide you with multiple options to finance your pole barn with no impact to your credit score.

How Much Does a New Pole Barn Cost?

The cost of a pole barn can vary widely based on several factors including size, location, and complexity. Some large and elaborate pole barns can cost up to $100,000, but most constructions are a fraction of that amount. As a general rule of thumb, a good estimate is $15 to $30 per square foot, plus the cost of labor.

Can You Finance a Pole Barn Used as a Home?

Although most people use pole barns for storage purposes, some folks actually call these structures their homes. Whether or not you’ll be able to live in a pole barn largely depends on local building codes and other regulations. If you get the green light from your municipality, you can certainly live in one of these structures and take advantage of pole barn house financing options. This is great news for some hopeful homeowners because financing a pole barn house is usually far more affordable than mortgaging a traditional home.

What Are My Pole Barn Financing Options?

So how do you finance a pole barn? Depending on your credit history, you may have several options available to you. Here’s a quick look at some of the most popular ways people finance their barns.

Pole Barn Financing Through Personal Loans

Traditional banks and other lenders can offer personal loans with terms based on your individual creditworthiness.

Pros & Cons

  • If you have a high credit score, you can qualify for low-interest rates and better lending terms.
  • Depending on whether the loan is secured or unsecured, you could risk losing your property.
  • High-interest rates mean you could end up paying far more than your barn is worth.

Credit Cards

Some aspiring barn owners who don’t qualify for personal loans may turn to credit cards to finance their structures, which can be a slippery slope.

Pros & Cons

  • You’ll need a high credit score to qualify for the best terms and the lowest interest rates.
  • You may qualify for rewards points or frequent-flyer miles depending on the creditor.
  • Interest rates with credit cards can be exceptionally high and missing a payment can be costly. 


If you’ve got enough cash in the bank to cover the cost of a pole barn, this payment method is likely the best way to go.

Pros & Cons

You won’t have to worry about interest payments or monthly bills. Depending on how much you have saved, you could be giving up your entire nest egg. You won’t qualify for any of the perks that you could get by paying with a credit card.

Home Equity Line Of Credit

For existing homeowners, a home-equity line of credit (HELOC) is an attractive option because it allows you to borrow funds from your mortgage rather than involving an outside lender.

Pros & Cons

  • HELOC loans are typically easier to qualify for than bank loans.
  • Interest rates on HELOC loans are usually far lower compared to bank loans and credit cards.
  • HELOC loans generally have variable interest rates, making payment amounts unpredictable.


Now that you have a better understanding of pole barns and pole barn financing, begin exploring your options by contacting us today.

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Pole Barn Financing Coverage In The U.S.

Acorn Finance Covers 90% of the United States

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Pole Barn Financing Across The United States

If you are looking for pole barn financing in the US, you should apply online and secure financing before getting a permit. Permits usually cost money and require building plans. Applying for a permit with proper documents and serious intent can increase your chance of approval. We offer pole barn financing in the following states for all credit types.

Pole barn financing in: Missouri, Oklahoma, Indiana, Ohio, Illinois, Kentucky, Michigan, and more!

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Pole barns are a classic, reliable, and sturdy design that use posts as a framing member. Typically, the posts are inserted a few feet into the ground. Pole barns can be an attractive option because they are less expensive than other options and have many uses. In the 1930’s during the Great Depression farmers found inexpensive ways to construct buildings and structures that they needed. This is how the pole barn got its name and came about. Farmer’s used recycled telephone poles to build “pole barns.” Pole barns can be used for just about any purpose… you can even use it as a home! If you live in a snowy climate, your pole barn can withstand the weather. Your pole barn should be rated for the appropriate snow load based on your region.

Even though pole barns can be less expensive, they still require a decent amount of capital to build. Most pole barns cost between $15,000 to $30,000+ depending on the size. More elaborate and larger pole barns can cost up to $100,000. On average, you can estimate your pole barn to be about $25 to $35 per square foot. Financing is available for pole barns all over the U.S. Most cities require a permit to build a pole barn but the requirements can vary drastically. You should get pre-approved for pole barn financing before applying for permits.

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Metal Building Financing by Acorn Finance

While pole barns and metal buildings can both be a cost efficient and easy to maintain choice, they are different. Regardless, pole barns and metal buildings can be a great way to protect items from the elements. Let’s compare pole barns vs. metal buildings…

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Can you finance a metal building?

Yes, most metal buildings can be financed. Metal is a low maintenance, affordable, and durable building material that can be used for many different structures or projects. One of the fastest and easiest ways to secure metal building financing is through an online lender. We offer metal building financing for all credit types.

What are the differences between pole barns and metal buildings?

Pole barns:

– No foundation needed

– Pole frame goes into holes that can be dug

– Tin or wood side panels

– Volatile frame (poles can shift)

– Can cost more than metal building to insure

Metal building:

– Foundation needed (concrete pad)

– Steel frame columns anchored to concrete pad

– Steel side panels

– Rigid frame

– Termite proof

– Can cost less to insure

How long can you finance a metal building?

We offer financing options for metal buildings with terms up to 12 years and loan amounts up to $100,000. Many online lenders can deliver funds as soon as one business day on approved loans.

Metal shop building financing

Securing financing for metal shop buildings can be done the same way as pole barn financing or metal building financing. If you use an online lender you can apply online and expedite the process. Alternatively, you can use a bank or credit union to secure metal shop building financing.

How much does it cost to build a 40×60 metal building?

If you are looking for the base building kit for a 40×60 metal building, on average you can expect to spend about $19,200. Foundation costs for metal buildings cost about $4 to $6 per square foot. Turnkey installation usually costs about $3 to $5 per square foot.

Can you get a mortgage on a steel framed house?

Some lenders can provide mortgages on steel framed homes. In most cases, it will depend on the type of steel framed house you are trying to get a mortgage for. However, some lenders will not finance a steel framed house at all, no matter what type it is.

How do you finance a metal building?

First, you will need to decide what type of lender you want to use for metal building financing. If you want to use an online lender you can apply online, select the best offer, and get pre-approved to receive funds. We can help you compare multiple personalized loan offers using just one online application. Online lenders usually offer longer and more flexible terms compared to traditional banks. In addition, using an online lender can simplify the process, leave you more time to invest in your project!

Metal Shop Building Financing Across the US:

Metal building financing Arkansas: If you are looking to build a metal building in Arkansas you may need financing. Similar to other areas, you can use online lenders, banks, or credit unions to secure metal building financing in Arkansas. Metal buildings are popular in Arkansas and can have many uses including metal workshop buildings, motorhome covers, carports, side entry metal garages, and more.

Metal building financing Oklahoma: Oklahoma is making a conscious effort to support and promote environmentally friendly lifestyles. This includes eco-friendly product choices for metal buildings. Steel buildings are a popular choice in Oklahoma because steel is one of the most recycled materials. Metal building financing in Oklahoma can help you build an environmentally friendly steel building.

Metal building financing Texas: Metal building financing can help you build a low maintenance structure to protect your assets. Due to harsh climates, metal buildings are often used to create carports, garages, and more in Texas.


Acorn Finance is a secure lending platform that offers pole barn and metal building financing all over the U.S. While metal buildings can be slightly less expensive than pole barns, pole barns can be more attractive. Whether you have good credit or bad credit, AcornFinance can help connect you to a lender that can help.