60-second pre-qualification
Financing Options
Pre-qualify in 60 seconds — no impact on your credit score until you formally apply with the partner.
Estimate your monthly payment
Adjust the sliders below — real rates come from financing partners.
Most pole-barn loans are 10–15 years.
Payment examples are estimates only. Final rates and terms depend on credit, lender, and loan type. Highland is not a lender; we connect customers with trusted financing partners.
Typical project payment examples
Estimates at 10% down + 8.5% APR. Real rates depend on credit, lender, and loan type.
| Project size | Loan amount | Term | APR | Est. monthly |
|---|---|---|---|---|
| 24x30 (~$15K) | $13,500 (10% down) | 10 yrs | 8.5% | $167/mo |
| 30x40 (~$26K) | $23,400 (10% down) | 15 yrs | 8.5% | $230/mo |
| 40x60 (~$52K) | $46,800 (10% down) | 15 yrs | 8.5% | $461/mo |
| 40x80 (~$70K) | $63,000 (10% down) | 15 yrs | 8.5% | $620/mo |
| 50x100 (~$110K) | $99,000 (10% down) | 20 yrs | 8.5% | $859/mo |
Typical loan rates by type
Reference ranges from May 2026. Your real rate depends on credit, lender, and loan type.
| Loan type | Typical APR | Term | Best for |
|---|---|---|---|
| USDA FSA Farm Loan | 4.5–6.5% | Up to 20 yrs | Agricultural use, qualifying farm |
| Farm Credit Services | 5.5–7.5% | 5–20 yrs | Ag buildings, rural land owners |
| Home Equity Loan / HELOC | 6.0–8.5% | 10–20 yrs | Homeowners with equity |
| HFS Financial (pole barn specialist) | 8.24–12% | 5–15 yrs | Most pole barn buyers, fast funding |
| Personal Loan (LightStream, SoFi) | 6.5–18% | 2–12 yrs | Good credit, no collateral needed |
| Builder Financing | 8–12% | 3–10 yrs | One-stop convenience |
How Highland financing works
Step 1 · Pre-qualify
60-second soft pull
Pre-qualification with our partner lenders is a soft credit inquiry — it has no impact on your credit score and gives you a real APR range to plan against.
Step 2 · Choose
Real terms, real APR
Our lender network covers most credit profiles, with terms from 5 to 30 years. Compare offers, pick the structure that fits your monthly, then formally apply only if the number works.
Step 3 · Build
Locked at signing
Your monthly lock in at contract — no rate surprises mid-build, no escalation clauses, no estimate-versus-final drift on the financed amount.
Specific partner names + APR ranges are confirmed on your formal quote. Call us or submit the quote form for current rate sheets.
Important financing disclosures
Subject to credit approval. APR ranges shown are estimates from financing partners; your actual rate depends on creditworthiness. Highland Building and Supply is not a lender — see partner pages for full Reg Z disclosures.
Get pre-qualified
Click through to a financing partner — no commitment, no impact on your credit.