Sheds on Finance – Storage Solutions For Every Budget

In today’s economy, you deserve a storage building without the financial strain. That’s why shed financing and rent-to-own sheds have become popular solutions, giving homeowners the ability to pay monthly without saving for a large upfront cost.

Whether you need a shed to store your tools, build a backyard gym, or start a small home business, there’s a flexible payment plan for you.

Can You Finance a Shed with No Credit Check?

Yes! If you’re looking to finance a shed with no credit check, the Rent-to-Own (RTO) option is perfect. It allows you to get a high-quality prefab shed and make low monthly payments, all without affecting your credit.

Unlike traditional financing, RTO sheds are structured like a rental agreement with ownership at the end. You don’t need a credit score to qualify, and approval is almost instant.

Ready to skip the credit check and get started?

Shed Financing vs Rent-to-Own: What’s the Difference?

Traditional shed financing usually involves a credit check, loan approval, and a fixed interest rate. You own the shed from the beginning, but you’re responsible for the full payment, even if you no longer need it.

Rent-to-Own sheds, however:

• Requires no credit check
• Offer flexible month-to-month payments
• Can be returned anytime with no penalty
• Provide ownership once payments are complete

This makes RTO the best shed financing option for bad credit or uncertain financial situations.

Is There A Credit Check For Sheds On Finance?

When applying for traditional finance to purchase a shed (whether it’s with us or a different shed builder), most financing companies may require a credit check as part of the application process. These credit checks are to review your credit history and your credit score to determine if you are a good candidate for approval. It’s the same process as any other thing you might’ve financed.

This is also where the interest rates and different terms get determined. If you have a history of not paying loans on time or have low credit in general, it’ll be harder to get approved or get approved with good terms. We use RTO National for our leasing and financing. You can check out their website here and look over their policies regarding credit checks and eligibility for financing a shed.

For traditional financing, most lenders prefer a score of 600 or higher. However, with RTO National’s FlexLease program, no credit check is required at all, making it accessible to buyers with poor credit or no credit history.

How Much Does It Cost to Finance a Shed Monthly?

Monthly payments on a prefab shed can start as low as $95–$175/month, depending on:

• Size of the shed
• Style (wood, metal, Quaker, barn)
• Length of the financing term (24, 36, 48, or 60 months)

You can try out pricing right now by using our 3D Design Tool or request a free quote to calculate your exact monthly rate.

Advantages Of Sheds On Finance

As a homeowner, you have to decide where your money goes and what purchases will give you a good return on your investment. Not every homeowner has the luxury of spending without thinking. That’s why sheds on finance are a great option if you desperately need extra storage space on a budget.

The most obvious advantage of sheds on finance is affordability. Having the opportunity to get a storage solution at a price that’s ideal for you is a huge plus.

Another advantage of sheds on finance is a rent-to-own option which lets you pay monthly for your shed while requiring no credit checks or prior credit history. We offer our rent-to-own plan through RTO National which uses FlexLease. You can get instant approval, and return your building at any time with no repercussions. 

• Affordable monthly payments
• No credit check (with RTO)
• Return or upgrade anytime
• Own the shed after final payment
• Fast approval and local delivery

Disadvantages Of Sheds On Finance

I’ve talked a lot about the advantages of shed financing and rent-to-own but nothing is perfect. Sheds on finance aren’t the right option for everyone and so I want to also spend some time discussing why maybe it’s not the way for you. 

When you choose to go after sheds on finance, you end up paying more than the regular one-time price for the shed. 

Because rent-to-own has no credit check, and you can instantly get approved, there are leasing service fees and other terms that add up. If you agree on a shorter term, let’s say 24 months, the fees won’t be as high but if you go for a higher term like 60 months, the shed’s price can go up 100%. This all depends on the shed builder and their RTO provider. 

If you choose to rather go through with traditional financing, it will cost more than a one-time payment but less than rent-to-own. This is because there is a credit check and if you have good credit, you can get favorable terms with less interest rate on your shed. 

Aside from the price, some people just don’t like being under contract. Being restricted financially is not ideal so contracts and financing are not for everyone.

• You’ll pay more over time than buying outright
• Late or missed payments on traditional financing can affect your credit
• RTO is a rental agreement, so if you stop paying, the shed can be reclaimed
• Traditional financing may have stricter eligibility

Tip: If you have the cash saved, it’s always cheaper to pay upfront. But if you want storage now without a big expense, financing a shed monthly is a smart move.

Popular Sheds On Finance

We have a large variety of shed styles in our lineup! Some of our most popular and affordable storage buildings are the A-Roof Economy Shed, the Barn Economy Shed, and the Quaker Shed. Each of these sheds have different looks and specialties. For example, if you are looking for just a storage space, our A-Roof Economy style is perfect for you. It comes at one of the most competitive prices in the market and is built with the highest quality materials.

Our Barn Economy Shed is a little higher in price with a gorgeous, timeless, classic barn-style design. Barn-style sheds are iconic with American architecture and are sure to brighten up your backyard!

Last but not least, our wooden Quaker Shed can provide you with a unique design that compliments your land. It features an overhang that droops over and provides extra protection from inclement weather. You won’t have to worry about hail, rain, sleet, or any other elements. 

We offer high-quality prefab metal sheds and wooden sheds that can be financed or purchased through Rent-to-Own.

1. A-Roof Economy Shed – starting at ~$95/month
   A practical, metal-sided shed perfect for lawn tools and general storage.
   
2. Barn Economy Shed – starting at ~$110/month
   With its lofted roof design, this shed offers bonus vertical space.
   
3. Wooden Quaker Shed – starting at ~$125/month
   A charming wood shed with a front overhang and clean A-frame design.
   

Sheds On Finance In Virginia

We proudly offer shed financing in Virginia, West Virginia, North Carolina, and Tennessee. Whether you need a portable garage, a finished office shed, or a basic storage building, we’ll work with your budget. Premier Structures has been providing the community with top-notch storage solutions for over a decade. That’s 10+ years of experience helping homeowners declutter and clean up their homes. We work with RTO National, one of the leading finance and lease providers in the United States. Find out more about our rent-to-own and traditional financing options. You can contact us to get information and find out more details and decide if RTO is right for you. If you’ve already made up your mind, you can apply for a lease (RTO) If you’d like to go for traditional financing, you can apply. We can’t wait to serve you!

Serving all of Virginia, Tennessee, West Virginia & North Carolina.