By Jessica Aguila
The most common question I get isn't about sizes or colors — it's "how does the financing work?" Fair question. Most people assume buying a shed means writing a big check or qualifying for a loan. Neither is true here.
The Short Version
You pick a building. You put down one month's payment (that's it — no big lump sum). The building gets delivered to your property. You make monthly payments for 36, 48, or 60 months. When you're done paying, you own it outright.
No credit check. No bank approval. No interest in the traditional sense.
What It Actually Costs
Every building has a cash price and a rent-to-own price. The RTO price is higher — typically about 50–60% more than cash, spread across your payment term. That's the cost of financing without a credit check.
Example on a 10×16 Utility Shed:
| Option | Amount |
|---|---|
| Cash price | ~$4,200 |
| RTO (48 months) | ~$145/month ($6,960 total) |
| RTO (60 months) | ~$125/month ($7,500 total) |
Prices vary by building — these are ballpark numbers to show the math.
Is it more expensive than paying cash? Yes. Is it more accessible than a bank loan for most people? Also yes. That's the tradeoff.
The 90-Day Payoff
Here's the part most people miss: if you pay off the full cash price within 90 days, you pay zero financing cost. Same as cash.
So if you know the money is coming — tax refund, bonus, selling something — you can get the building delivered now and pay it off within 90 days at the cash price. Best of both worlds.
What Happens If You Can't Pay?
Life happens. If you hit a rough patch:
- You can return the building at any time with no penalty. The delivery team picks it up, and you're done. No collections, no credit hit, no hassle.
- You can skip a payment in some cases — call me and we'll figure it out.
- There's no impact to your credit score either way, because there's no credit check to begin with.
This is the part that surprises people the most. It's genuinely low-risk.
Who Is This Good For?
Honestly? Most of my customers. The rent-to-own program works well if you:
- Don't want to drain savings on a building
- Have inconsistent income (contractors, seasonal workers, self-employed)
- Would rather pay monthly and keep cash liquid
- Don't want to deal with a bank
- Need the building now but the budget is tight
How to Get Started
- Pick a building — on the lot or custom order
- Fill out a one-page rental agreement (takes 5 minutes)
- Pay your first month's rent
- We schedule delivery (usually within a week)
That's it. No waiting for approval, no paperwork marathon.
Stop by Lebanon or Lavergne, or call me and I'll walk you through the numbers for whatever building you're looking at.
Ready to Find Your Perfect Building?
Visit one of our locations or browse our inventory online