Your payment in seconds. Three ways to finance your Amish-built garage or shed — see if you qualify without impacting your credit.
⚡ Same-Day Approvals Available✓ $0 Down Payment Required✓ No Credit Impact to See if You Qualify
Your Storage Sheds and Garages rep:
▶Financing Video ExplainerWatch a quick guide to every loan optionCaptions in English & EspañolWatch
Enter your credit score and loan amount to see financing options you are eligible to apply for:
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Select your estimated credit score and enter your loan amount to see the financing you qualify for.
Select a loan option below to see loan details ↓
Financing you are eligible to apply for:
Based on the credit score you selected, there are no loan products you can apply for online right now. Use the See If I Qualify button below — we will review your options with you personally.
*Rates marked with an asterisk include a 0.50% discount for enrolling in autopay; without autopay your rate is 0.50% higher. Estimated payments are for illustration only and are not an offer of credit. Actual rates, terms and payments are set by the lender after credit approval.
Financing you are not eligible to apply for:
Consumer Financing — Upgrade
▶1:14 Video GuideWatch: Consumer Financing — UpgradeCaptions in English & EspañolWatch
Do You Qualify?
Eligibility
Borrowers do not have to own the property to apply
Minimum 680 credit score. Other factors such as income, debt, and credit history also affect approval.
Customers apply using their Total Household Income — the yearly income of everyone living with them
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*Rate includes 0.50% discount for enrolling in autopay. Customers who do not enroll in autopay will have an interest rate that is 0.50% higher. ⓘ Estimated payments are for illustration purposes only and are not an offer of credit. Actual rates, terms, and payments are set by the lender after credit approval.
Financing Overview
What Consumer Financing Offers
Up to $100,000 in financing — there are no co-borrowers, but multiple people can each apply for a loan using their total household income (even if the person applying doesn't have income)
Soft credit check available — a soft pull checks if you pre-qualify and won't impact your credit. Your credit is only affected once you accept an offer and finish your application.
Same-day approvals available — most customers are approved without proof of income
No equity or appraisal required — this is not a mortgage product
No prepayment penalty — pay off the balance any time with no added fee
Additional Features
Additional Features & Terms
No minimum down payment required
No origination fee or closing costs — no fees to obtain this financing
5 to 15-year terms available
Fixed rates — your rate never changes for the life of the loan. Your rate is based on your FICO credit score.
The Process
How It Works
1
Complete the loan application
A soft credit pull checks if you pre-qualify — this won't impact your credit. Your credit is only affected once you accept the offer and complete the application process.
2
Loan approval
Most customers are approved without documents. You can upload any requested documents directly to the lender, or email them to Storage Sheds and Garages at info@storageshedsandgarages.com — we'll upload them for you.
3
eSign your agreements
Once approved and any conditions are cleared, you finalize your order with your sales rep (who can adjust the loan amount to match your price if needed), then eSign your Purchase Agreement and Loan Agreement. A hard credit pull occurs upon eSigning your Loan Agreement.
4
First 50% of funds released
The lender releases the first 50% to Storage Sheds and Garages so we can build your structure. Interest accrues on the 50% released (not the full loan amount).
5
Your structure is delivered
The remaining balance due is released to Storage Sheds and Garages after delivery — interest now accrues on the total loan amount, and your first monthly loan payment is due in 30 days.
Soft credit check to see your offers — checking never affects your credit score. Minimum 680 FICO. Up to $100,000 per borrower.
Building Loan — Thrive Financial
▶1:09 Video GuideWatch: Building Loan — Thrive FinancialCaptions in English & EspañolWatch
This new loan product will be coming soon within the next few weeks
Do You Qualify?
Eligibility
You must own the property where the structure will be located.
If the property is owned by a business entity (such as an LLC), you must be an owner of that entity. Other owners will need to authorize the purchase and the loan.
Vacant / raw land qualifies — there does not need to be an existing home or dwelling on the property.
Minimum 550 credit score. Other factors such as income, debt, and credit history also affect approval.
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↓ Choose the term you want below, then continue to your pre-qualification.
Soft credit check only — checking your options will not affect your credit score. A hard inquiry occurs only if you accept an offer.
*Rate includes 0.50% discount for enrolling in autopay. Customers who do not enroll in autopay will have an interest rate that is 0.50% higher. ⓘ Estimated payments are for illustration purposes only and are not an offer of credit. Actual rates, terms, and payments are set by the lender after credit approval.
Financing Overview
What Thrive Financing Offers
Up to $200,000 in financing — there are no co-borrowers — instead, customers apply using their total household income. Customers without income may be approved using the income of others living with them.
Soft credit check available — a soft pull checks if you pre-qualify and won't impact your credit. Your credit is only affected once you are pre-qualified and authorize a hard credit pull to finish your application.
Same-day approvals available — most customers are approved without proof of income
No equity or appraisal required — this is not a mortgage product
No prepayment penalty — pay off the balance any time with no added fee
Additional Features
Additional Features & Terms
No minimum down payment required
No origination fee or closing costs — no fees to obtain this financing
6 months of interest-only payments
5 to 20-year terms available
Fixed rates — your rate never changes for the life of the loan. Your rate is based on your FICO credit score.
The Process
How It Works
1
Complete the loan application
A soft credit pull checks if you pre-qualify — this won't impact your credit. Your credit is only affected once you accept the offer and complete your application.
2
Loan approval
Most customers are approved without documents. You can upload any requested documents directly to the lender, or email them to Storage Sheds and Garages at info@storageshedsandgarages.com — we'll upload them for you.
3
eSign your agreements
Once approved and any conditions are cleared, you finalize your order with your sales rep (who can adjust the loan amount to match your price if needed), then eSign your Purchase Agreement and Loan Agreement. A hard credit pull occurs upon eSigning your Loan Agreement.
4
First 50% of funds released
The lender releases the first 50% to Storage Sheds and Garages so we can build your structure. Interest-only payments begin in 30 days, based on the 50% released (not the full loan amount).
5
Your structure is delivered
The final 50% is released after delivery. Any remaining interest-only payments continue, now based on the full loan amount. When the 6-month interest-only period ends, you begin standard monthly payments (principal + interest).
This new loan product will be coming soon within the next few weeks
Home Equity — Figure Lending
▶1:07 Video GuideWatch: Home Equity — Figure LendingCaptions in English & EspañolWatch
Financing Overview
Home Equity Line of Credit — Funds as soon as 5–10 days
With Figure Lending, you can tap your home equity and access the cash you need to fund your purchase quickly and easily.
Up to $750,000 — 1st, 2nd, or 3rd lien position, with terms of 10 to 30 years
Your rate is set by Figure after you apply and are approved — rates vary and are not guaranteed
Fast funding — full draw up front with funding in as few as 5 to 10 days
100% online application — no need to go to the bank. Apply from the comfort of home!
See your rate in a few clicks — without impacting your credit score
Do You Qualify?
Eligibility
You must own a home with available equity (your name must be on the deed as an owner).
The home cannot have more than 2 mortgages or liens secured against it.
Primary homes, vacation homes, and rental properties all qualify.
Minimum 600 FICO credit score. Other factors such as income, debt, home equity, and credit history also affect approval.
Your home secures this loan — you could lose it if you fail to repay
Enter your info to unlock the apply buttons. Your Storage Sheds and Garages rep will be notified so they can help you through the process — this does not affect your credit score.
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By continuing you agree to be contacted by Storage Sheds and Garages about financing your structure. See our Privacy Policy.
Before You Apply
Do You Qualify?
Before you apply, you must meet the following criteria to qualify:
You must own the property where the structure will be located.
If the property is owned by a business entity (such as an LLC), you must be an owner of that entity. Any other business owners will need to authorize the purchase and the loan.
▶
Financing Video Explainer
Watch a quick guide to every loan option
Captions in English & Español
Watch
▶
1:14 Video Guide
Watch: Consumer Financing — Upgrade
Captions in English & Español
Watch
▶
1:09 Video Guide
Watch: Building Loan — Thrive Financial
Captions in English & Español
Watch
▶
1:07 Video Guide
Watch: Home Equity — Figure Lending
Captions in English & Español
Watch