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Simple Pole Barn Loans & Financing Options

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Why Choose Acorn For Pole Barn Loans?

Acorn Finance puts you in control of selecting the best pole barn financing rates. We let you compare personalized pole barn loan offers from lenders in our network, with no impact to your credit score. Get a loan for a 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 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 building.

Why Acorn Finance?

Finance Your Pole Barn Easily With Acorn

Check Pole Barn Loans in Seconds

Get pre-qualified pole barn loans with an easy online pre-qualification application

Checking Won’t Impact Credit

Receive pre-qualified pole barn finance 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 3.99%

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Quickly

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

Reviews

“I was looking to build a new pole building, but needed some funding. The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within 10 seconds I got 23 offers from 6 lenders.”

Mike T (TN)

“It was concerning to me that pole barns are so expensive and it was hard for me to qualify with other lenders. I'm glad I went with Acorn Finance so I was finally able to start building my pole barn.”

Kevin M (FL)

“I was approved and received the money needed fast for a new pole barn project.”

Joe G (CA)
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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 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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If you’re in need of some extra space — whether it’s for residential, commercial, or agricultural purposes — you may be considering constructing a 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.

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 the Options to Finance a Pole Barn?

    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.

    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.
  • Cash

    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.
  • Conclusion

    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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