Three Ways
To Own Your Shed
Pay in full, finance through our lending partners 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 required. No application hassle. Own the building at the end of the term. Most popular option for customers who want flexibility.
- No credit check required
- Monthly payments from $99
- 90-day same-as-cash option
- Early payoff available anytime
- Available on most builds including custom on-site
Financing
Traditional financing through our lending partners. Lower effective cost than RTO for customers who qualify. Subject to credit approval.
- Competitive rates through lending partners
- Multiple term lengths available
- Best for customers with strong credit
- Lower total cost than RTO over full term
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 vs Financing
| Feature | Rent-To-Own | Financing |
|---|---|---|
| Credit check required | No | Yes |
| Total cost over full term | Higher | Lower |
| Early payoff allowed | Yes, anytime | Yes |
| 90-day same-as-cash | Yes | No |
| Available on custom builds | Most builds | Most builds |
| Available on build-on-site | Yes | Subject to approval |
| Best for | Customers who can't or don't want a credit check | Customers with strong credit who want lower total cost |
See What Your Payment Looks Like
Tell us what building you want and how you'd like to pay. We'll show you the exact payment before you commit to anything.
Financing FAQ
Correct. Rent-to-own does not require a credit check. No application, no hard pull. You pick the building, choose RTO and we set up the payment. That's it.
You can pay off the remaining balance anytime. Early payoff is always allowed. If you pay within the 90-day same-as-cash window, you pay exactly what the building costs with no additional fees.
Yes, RTO is available on most custom builds and most build-on-site projects. Contact us with your specific project and we'll confirm availability and give you a payment quote.
RTO payments start around $99/month depending on building size, configuration and term length. We'll calculate the exact payment based on your specific building before you commit.
Yes. RTO and financing are both available on Certified Tiny Home Prep 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.