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 |
Our financing partners
HFS Financial
HFS Financial connects Highland customers with third-party lenders for post-frame projects — no equity or appraisal required, terms up to 30 years, and funding in as little as 48 hours after approval. Pre-qualifying takes about a minute and does not affect your credit score.
- APR
- As low as 8.08%
- Term
- 1–30 yrs
NMLS #1680766
Pre-qualify with HFS Financial →HFS Financial is not a lender. Representative example from HFS — a closed-end loan from a third-party lender for $60,000 with a fixed rate of 7.8% and an APR of 8.08% for a term of 20 years would result in 240 payments of $494.10. Subject to credit approval; not all will qualify. Your rate depends on creditworthiness and lender program. No prepayment penalties. NMLS
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.