Financing Your Backyard Shed

A backyard shed, workshop, or garage can be a significant investment, one that may be challenging to pay with all cash. At Capitol Sheds, we provide a variety of financing, rent-to-own, and layaway options to make it easier for you to get the right shed for your needs.

Financing Your Backyard Shed

A backyard shed, workshop, or garage can be a significant investment, one that may be challenging to pay with all cash. At Capitol Sheds, we provide a variety of financing, rent-to-own, and layaway options to make it easier for you to get the right shed for your needs.

Should I Finance My Shed?

Funds to pay for home improvement projects may come from your savings, tax rebates, bonuses, or some other source. But that trend is changing. Savvy homeowners are realizing that financing is a great way to buy today and pay over time.

4 Reasons Why Financing Makes Sense

No waiting.

Get the project you want completed now the way you want it, instead of waiting to save up the cash.

Flexibility.

Styles, prices, and models change frequently. Avoid product and other changes by completing your project now instead of in stages.

Convenient payment options.

More ways to pay for your home improvement project. Ask us about all your choices.

Financial Flexibility.

If your circumstances change, you may need cash reserves as a back-up plan for life's necessities.

Financing Options

Capitol Sheds has partnered with two banks – Wells Fargo and LightStream – to provide easy financing for your shed or outdoor structure. Check below to see these programs and to see if you qualify.

Payment Estimator

Total Cost:

Monthly Payments

Based on a cost of       

  12 Month No Interest:       
60 Month 9.9%:
36 Month RTO:
60 Month RTO:

* Monthly cost displayed is an estimate only. You will be provided with an exact monthly cost when your go through the purchase process.

Special Financing Options from Wells Fargo

Wells Fargo Financing

We offer special financing options with approved credit for 12 or 60 months. Come into one of our offices to apply for financing or Click Below to apply online.

LightStream Financing

LightStream, a national online consumer lending division of SunTrust Bank.

Borrowers with good to excellent credit can obtain an unsecured loan from $5,000 up to $100,000 from LightStream to use for their foundation, garage, work shop and horse barn projects.

Applicants complete a short online form and receive a quick response during business hours. The process requires little, if any, paperwork; in many cases, funds can be delivered to a borrower’s bank account the same day an application is submitted*. Further, there are no LightStream fees or processing charges, nor penalties for early payment.

The LightStream application is a virtually online process, and is not available through SunTrust branch locations. All LightStream loans are subject to credit review and approval. Rates and terms may vary based on loan purpose, term and payment option and are subject to change without notice. Go towww.lightstream.com to review full details, terms and conditions regarding loan products from LightStream.

Rent-To-Own Program

No credit or poor credit? Rent-to-Own may be the answer for you.

With our Rent-to-Own shed program, you can purchase a shed without needing a credit check. You can choose the style and color of your shed, and have it delivered right to your location. After 36 to 60 monthly payments, you will have paid off the building and it is yours.

Contact us to discuss our rent-to-own program.

Program Details

  • This program is not for short-term rental. If you are looking for a short-term rental, we have monthly rental units available.
  • To order a building and schedule delivery, we require a security deposit and the first month's rent.
  • An early Purchase option is offered with your monthly invoice. You only need to pay the remaining cash balance -- which is 60% of the contract balance on a 36-month rental agreement.
  • The Rental Contract may be voluntarily terminated at the end of any monthly term without penalty. Just give us a 15-day notice to schedule a pick-up.
  • Rent-to-Own is only available within Virginia, and is only available within 60 miles of any location.
  • The maximum Rent-to-Own allowed amount is nine thousand dollars. If you are looking to buy or rent a more expensive building, contact us to see what other options may be available.

100% FREE Layaway Shed Program

Need to get a shed, but you don't need it right away? Then the lay-away might be the option for you. Make regular no-interest payments and when the balance of the purchase price is paid, we will deliver the shed to you.

Benefits of our 100% Free Lay-Away Program:

  • No Credit Checks
  • No Storage Fees
  • No Interest Fees
  • Price Hold Protection
  • Flexible Start Up Deposit
  • No Time Restrictions
Contact us to discuss our lay-away program.