Payment Options

Choose the Payment Option That Works for You.

Rent-to-own, finance, cash, or purchase order — your building, your budget.

(843) 832-8555

How to Finance a Shed in South Carolina

Financing a shed in the Charleston and Summerville area is straightforward. Most customers use one of four options — rent-to-own, financing, cash purchase, or a purchase order — depending on their budget and how they want to pay.

Rent-to-own is the most popular because it requires no credit check and no large upfront payment. You make a small first payment to take delivery, then pay monthly until you own the building outright. You can pay it off early at any time with no penalty.

Financing is the better fit if you have decent credit and want to own the building outright from the start. You pay a fixed monthly amount at a fixed rate, with rates as low as 9.9% APR for approved buyers. It requires a full credit inquiry, but the monthly payment is usually lower than rent-to-own for the same shed.

Cash or card works if you want to own the building immediately with no ongoing payments. You pay in full at delivery or at our showroom.

Purchase orders are available for businesses and government buyers who need to go through a formal procurement process.

Most customers can get into a shed the same week they call. Here is what the process looks like:

  1. Choose your building — browse in stock inventory or design a custom build
  2. Pick a payment option — our team will walk you through the numbers
  3. Sign the agreement and make your first payment
  4. We schedule delivery — our own crew delivers and sets up the building

Monthly payment examples on a 36-month Flex-Lease:

  • 8×10 shed (~$2,400): approximately $111/month
  • 10×12 shed (~$3,200): approximately $148/month
  • 10×16 shed (~$4,200): approximately $195/month

Most Popular: Flex-Lease Rent-to-Own

Our Flex-Lease Rent-to-Own Program is by far our most popular option — and for good reason. No credit check required, no long-term lock-in, and the flexibility to pay off early whenever it makes sense for you.

  • No credit check required — instant approval for everyone
  • Flexible terms: 36, 48, and 60 months
  • Early buyout anytime — pay off your contract at any point with no penalties

This program is ideal if you want low monthly payments, total flexibility, and the ability to own your shed without being locked into a long-term contract.

Flex-Lease Rent-to-Own — apply now

Traditional Financing

If you’d rather own the building outright from day one, we offer traditional financing through RTO National. This is a straightforward installment loan — fixed monthly payment, fixed rate, and you own the shed from the start rather than leasing toward ownership.

  • Rates as low as 9.9% APR with approved credit
  • Terms of 24, 36, and 48 months
  • Some buyers qualify for $0 down
  • Requires a full credit inquiry
  • No prepayment penalty

Financing usually works out to a lower monthly payment than rent-to-own because you’re paying interest rather than lease fees. On a $3,850 building, 48-month financing runs about $98 per month compared to roughly $151 on a 60-month lease.

Apply on any shed page, or call (843) 832-8555 and we’ll walk you through it.

Financing example: $3,850 financed for 48 months at 9.9% APR with $0 down is 48 payments of $97.60. Not all buyers will qualify. Your rate, term, and required down payment are determined by credit approval. This is not an offer or commitment to lend.

Cash or Card Purchase

Prefer to buy outright? We accept cash, check, debit, and all major credit cards at our Summerville showroom. You can also complete your purchase by phone — call (843) 832-8555 and we’ll walk you through it.

  • Pay in full at delivery or at our showroom
  • No fees, no financing paperwork
  • Same free delivery and setup included

Purchase Orders

We accept purchase orders from businesses, government agencies, municipalities, and institutions. If your organization requires a formal PO process, call us at (843) 832-8555 or contact us online and we’ll work with your procurement team directly.

Questions?

Call (843) 832-8555, contact us online, or stop by our showroom at 1749 N. Main St, Summerville. Our team can help you figure out which option fits your situation best.

Important Details

Flex-Lease Program: This is a lease-purchase agreement. You do not own the merchandise until you make all required payments or exercise your early purchase option. Total of payments may exceed the retail price. See contract for complete terms and conditions.

All payment options subject to approval and applicable terms and conditions. Pricing and availability subject to change.