If you need covered parking for your truck, boat, or equipment but don't have the cash up front — and your credit isn't perfect — a rent-to-own steel carport can get you covered now and let you pay over time. In Waverly, Humphreys County, and across Middle Tennessee, rent-to-own programs offer an alternative to traditional financing, with no credit check and no money down.
How Does Rent-to-Own Work for Steel Carports?
Rent-to-own is a payment plan where you take possession of the carport right away and make monthly payments over a set term — usually 36 or 48 months. You don't need a credit check, and most programs require no money down. The building is delivered and installed on your property, and you own it outright once the contract is paid in full.
Rent-to-own payments are calculated differently than a traditional loan. A common structure multiplies the carport price by around 1.65, then divides that total by the number of contract months. That means you'll pay more over the life of the contract than the cash price, but you get immediate use of the building without needing a bank loan or good credit.
Most rent-to-own contracts allow you to pay off the remaining balance early at any time without a penalty, which can save you money if your situation changes.
What Sizes and Styles Are Available?
Steel carports come in a range of sizes to fit different needs. A single-width carport is traditionally 12 feet wide, with a standard 1-car carport measuring 12 feet wide by 20 feet deep. Double carports typically range from 18 to 24 feet wide, giving you room for two vehicles or a truck and trailer.
Standard carport height starts at 7 or 8 feet, but taller profiles are available if you need clearance for a lifted truck, RV, or farm equipment.
Roof style matters, especially in Middle Tennessee. A vertical roof has panels that run from peak to ground, which sheds rain, snow, and debris better than a regular horizontal roof. Vertical roofs are recommended in areas with heavy weather exposure, and Middle Tennessee sees its share of severe weather — tornadoes, straight-line winds, and ice storms.
| Carport Size | Typical Use | Roof Style Options |
|---|---|---|
| 12' x 20' | Single car, small truck | Regular, A-frame, vertical |
| 18' x 20' | Two cars, or truck + equipment | Regular, A-frame, vertical |
| 24' x 30' | Two vehicles + workspace | Regular, A-frame, vertical |
| Custom sizes | RVs, boats, farm equipment | Regular, A-frame, vertical |
What Affects the Cost of a Steel Carport?
Several factors determine what you'll pay for a rent-to-own steel carport. Size is the biggest — a larger carport costs more than a smaller one. Roof style also plays a role; vertical roofs typically cost more than regular horizontal roofs, but they perform better in weather.
Steel gauge matters for strength and durability. Heavier 12-gauge framing with solid anchoring adds strength in high winds and severe weather, compared to lighter-gauge materials. If you choose a certified building — one engineered and stamped for specific wind and snow loads — that also affects cost.
Delivery distance can be a factor as well. PAC Building Pro offers free delivery and installation within 30 miles of Waverly, covering most of Humphreys County and portions of Houston, Benton, Perry, Hickman, and Dickson counties. Beyond that radius, delivery cost is added to the quote.
Get a free, no-pressure quote at pacbuildingpro.com or call (931) 296-2777.
Do I Need a Building Permit in Humphreys County or Nearby?
Building permit requirements for steel carports vary widely by location in Tennessee. The state adopted the 2018 International Residential Code, but counties and cities can opt out of the state building code entirely. If a pole barn or steel carport will not be used for living purposes, the state does not require a residential building permit, but local rules differ.
In Humphreys County, a building permit is not required for structures in the unincorporated county, but is required inside city limits — Waverly, New Johnsonville, and McEwen. Some county sites close to city limits may require a separately purchased zoning permit. That's specific to Humphreys County; every other county and city has its own rules.
In Houston County, Benton County, Perry County, Hickman County, Dickson County, and Henry County, permit requirements vary — confirm with your local codes office before ordering. Some counties require a permit for any permanent structure; others have no permit requirement at all in unincorporated areas. Requirements differ inside city limits versus unincorporated areas, and rules change from one jurisdiction to the next.
If you're putting a carport on a working farm for agricultural use, Tennessee provides an exemption for buildings used for legitimate agricultural purposes. Qualification typically requires an affidavit and documentation such as IRS Schedule F or an Agricultural Sales and Use Tax Exemption certificate, and the use must involve commercial production, not just personal hobby farming.
Are Engineered Plans Required?
Whether you need engineered or engineer-stamped (PE-stamped) plans depends entirely on the local codes department for your county and whether your site is inside city limits. Many rural Middle Tennessee counties do not require engineered or stamped plans, while some cities and counties do.
PAC Building Pro provides building drawings engineered for the local snow and wind loads in Middle Tennessee. Ground snow loads in the region are generally around 10 psf, and the Tennessee code sets ultimate design wind speeds of about 90 mph across much of east and middle Tennessee. If your county or city requires PE-stamped plans, PAC can provide them on request, though that adds cost and lead time.
Requirements differ by jurisdiction; some require PE-stamped plans and others do not. Always confirm with your local codes office.
Who Is Rent-to-Own Right For?
Rent-to-own works well for buyers who need a carport now but don't have the cash on hand and either don't qualify for traditional financing or prefer not to go through a credit check. It's also a good fit if you want to avoid a large upfront payment and spread the cost over a predictable monthly payment.
Keep in mind that rent-to-own programs typically have a maximum contract value, so very large or complex builds may not qualify. The total cost over the term will be higher than paying cash upfront, but you get immediate use of the building and the flexibility to pay it off early if your finances improve.
Rent-to-own is not the same as renting. You're working toward ownership from day one, and once the contract is fulfilled, the carport is yours with no further payments.
Where Does PAC Building Pro Deliver Steel Carports?
PAC Building Pro is based in Waverly, the county seat of Humphreys County, and serves a 70-mile radius across Middle Tennessee. We deliver and install steel carports throughout Humphreys County — including New Johnsonville, McEwen, and Hurricane Mills — and nearby counties where we're the closest builder: Houston County (Erin, Tennessee Ridge), Benton County (Camden, Big Sandy), Perry County (Linden, Lobelville), Hickman County (Centerville), Dickson County (Dickson, White Bluff, Burns, Charlotte), and Henry County (Paris, Puryear, Springville).
We also build and deliver to Stewart County (Dover, Cumberland City), Montgomery County (Clarksville), Robertson County (Springfield, Greenbrier, White House), Cheatham County (Ashland City, Kingston Springs, Pegram, Pleasant View), Davidson County (Nashville), Williamson County (Franklin, Fairview, Nolensville, Thompson's Station), Maury County (Columbia, Spring Hill, Mount Pleasant), Lewis County (Hohenwald), Wayne County (Waynesboro, Collinwood), Lawrence County (Lawrenceburg, Loretto), Decatur County (Decaturville, Parsons), Henderson County (Lexington), Carroll County (Huntingdon, McKenzie, Bruceton), Weakley County (Dresden, Martin, Greenfield), Madison County (Jackson), and Hardin County (Savannah, Crump).
PAC delivers prefab carport packages to nearby western Kentucky — Murray, Cadiz, and Hopkinsville — but does not perform on-site construction or installation across the state line.
Frequently Asked Questions
What is the typical rent-to-own term for a steel carport in Tennessee?
Rent-to-own terms for steel carports in Tennessee are typically 36 or 48 months, with no credit check and no money down. You can pay off the balance early at any time without penalty.
Do I need a building permit for a steel carport in Humphreys County?
In Humphreys County, a building permit is not required in the unincorporated county, but is required inside city limits (Waverly, New Johnsonville, McEwen). Other counties have different rules, so confirm with your local codes office before ordering.
What size steel carport do I need for two vehicles?
A double carport typically ranges from 18 to 24 feet wide and 20 to 30 feet deep, depending on the size of your vehicles and whether you want extra room for storage or workspace.
Can I get a steel carport with no credit check in Middle Tennessee?
Yes, rent-to-own programs for steel carports in Middle Tennessee typically do not require a credit check, making them accessible to buyers with limited or imperfect credit history.
If you're ready to get covered parking without the upfront cost, PAC Building Pro can help. We offer rent-to-own steel carports with no credit check, delivered and installed across Humphreys County and Middle Tennessee. Get a free quote at pacbuildingpro.com or call us at (931) 296-2777 to talk through your options.