Most of the Chinese board fabs will sell you prototype-quality boards for a lower price if you use a leaded HASL finish (e.g. https://jlcpcb.com/quote#/?orderTy

Most of the Chinese board fabs will sell you prototype-quality boards for a lower price if you use a leaded HASL finish (e.g. https://jlcpcb.com/quote#/?orderType=1&stencilWidth=100&stencilLength=100&stencilCounts=5&stencilLayer=2&stencilPly=1.6&steelmeshSellingPriceRecordNum=A8256537-5522-491C-965C-646F5842AEC9&purchaseNumber= https://jlcpcb.com/quote#/?orderType=1&stencilWidth=100&sten...) HASL is perfectly usable with stencils, in my experience.