Three Ways
To Own Your Shed
Pay in full, finance through Hearth or rent-to-own with no credit check. We'll show you every option and what the payment looks like before you commit to anything.
Pick The Option
That Works For You
Rent-To-Own - No Credit Check
Rent to own is the easy way to get a building on your property. No credit check and no credit pull. Fill out a short form with your dealer, make your first payment, and most people are approved the same day.
- No credit check, no credit pull
- Short form, most people approved same day
- First payment down delivers most buildings. Over $15,000, it's a deposit plus your first payment
- 90-day same-as-cash option
- Pay it off early any time, no penalty
- Available on every model we build
- Rent to own is capped at $25,000. On a bigger build you put the difference down at signing
Financing Through Hearth
Hearth is a third-party financing platform. We don't lend the money. Hearth matches you with its partner lenders, and the lender funds you directly. You own the building from day one and pay your lender.
- No minimum credit score
- Starts with a soft credit pull, so checking won't hurt your credit
- Lender funds you directly, you own it from day one
- Often the lower total cost if your credit qualifies
Pay In Full
Pay in full at time of order. Straightforward, no ongoing payments, no interest. Most cost-effective total option.
- No interest or fees
- Lowest total cost
- Simple one-time payment
- Fastest path to ownership
Pay It Off In 90 Days.
Zero Extra Cost.
The 90-Day Same-As-Cash Option
Start on rent-to-own. Pay off the full building price within 90 days and you pay nothing extra. Same as if you'd paid cash on day one.
This works for customers who need a building now but want to wait on available cash, a tax refund, a sale closing, a bonus. You get the building delivered today. Pay it off in 90 days and it costs the same as cash.
Ask About 90-Day OptionRent To Own Or Financing
Which One Fits You
Two ways to pay for a building over time, built for two different situations. Here's the honest version.
Financing through Hearth is the cheaper route if your credit qualifies. Lower monthly payment, less paid over the life of the loan. It starts with a soft credit pull and there's no minimum score, but the lender is still looking at your credit and your debt-to-income.
Rent to own costs more. Higher monthly payment, and more paid out by the end of the term. What you get for that is real: no credit check, no credit pull, nothing touching your credit report to get started. You can pay it off early any time with no penalty. You get 90 days same as cash. And if your situation changes, you can turn the building in.
Plenty of people choose rent to own on purpose. They're building credit. They're keeping their credit clean ahead of a house or a truck. Their score isn't where they want it yet. Or they plan to knock it out fast and the 90-day window does the work for them.
Talk it through with your dealer. They'll show you both numbers side by side before you decide anything.
| Feature | Rent To Own | Financing Through Hearth |
|---|---|---|
| Credit check | None | Soft pull to start |
| Credit score minimum | None | None, but score and debt-to-income both matter |
| Monthly payment | Usually higher | Usually lower |
| Total paid over the term | Higher | Lower |
| Early payoff | Any time, no penalty | Depends on your lender |
| 90 days same as cash | Yes | No |
| Turn the building in during the term | Yes | No |
| Who you pay | Heartland Capital Investments | Your lender |
| Who owns it during the term | Heartland, until you finish or pay it off | You |
| Available on build on site | Ask us | Yes |
See What Your
Payment Looks Like
Run the numbers and see roughly where a monthly payment lands. Punch in a project price and your credit range and see an estimated monthly payment in seconds. No credit pull. No commitment. Your real rate and term come from the lender once you apply through Hearth.
- No credit pullRunning the calculator does not affect your credit score.
- Hearth's lending networkThese figures are estimates. Your final rate and term come from the lender you're matched with.
- Apply when readyLike the number? Hit "Get Financing Options" and finish the application in about two minutes.
Estimates only. Final rate and term subject to credit approval through Hearth's lending partners. RTO and 90-day same-as-cash options also available, ask our team.
Talk To Our Team
Run the numbers, then talk to us about your specific build. We'll match the payment plan to what works for you.
Financing FAQ
Correct. Rent-to-own doesn't require a credit check or a credit pull. Fill out a short form, choose your building and term, and most people are approved the same day.
Yes, any time during the term, with no early payoff penalty. Pay it off in the first 90 days and it's 90 days same as cash. After that you can still pay the balance off whenever you're ready, just call and ask for your payoff amount.
Yes. Build on site is available on cash and financed orders, and we can point you to financing if you want it. Talk to your salesperson about which way makes the most sense for your build.
Build it, price it, see your payment. Our 3D builder puts your exact monthly payment on the screen before you ever talk to anybody.
Yes. RTO and financing are both available on Tiny Home Shell projects. Some customers combine RTO with a 90-day payoff timed to a construction loan or land sale. Talk to our team about what makes sense for your project.