Financing & Rent-To-Own Options

A backyard structure is a significant investment — a purchase that might be challenging to pay for all at once with cash.

At Capitol Sheds, we provide a variety of financing, rent-to-own, and layaway options to make it easier to get what you need and pay for it over time.

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Frequently Asked Questions

Which products qualify for financing, rent-to-own, or layaway?

Nearly all products qualify, but there are a few exceptions. Playsets do not qualify for rent-to-own and animal shelters can only qualify for up to $8000 Rent to Own.

Why would I choose rent-to-own vs. financing?

Through our Rent-to-Own program, you can skip the credit check step and go straight to making a purchase with us. Our Layaway program also does not require a credit check and the payments for the Layaway program are interest-free.

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.

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Special Financing Options from Wells Fargo

LightStream Financing

LightStream offers an easy low-interest financing solution so you can get funds for your foundation, garage, workshop and horse barn projects. Good-credit customers can get funds starting at $5,000 up to $100,000 as soon as the same day if all conditions are met.

Apply online using a quick application process and receive your funds without ever leaving the house. It’s fast, easy, and there are no fees or prepayment penalties. No home equity or appraisals are needed. (We may be compensated by LightStream through this link.)

Apply Now.

All loans are subject to credit approval by LightStream.

Truist Bank is an Equal Housing Lender. © 2022 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

LightStream Financing

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.

Why Financing a Backyard Upgrade Makes Sense

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.

Why Financing My Backyard Project Makes Sense

No waiting.

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


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.

Rent-to-Own Shed 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.
Limited Time Promotion
No Money Down, 1st Payment within 30 days after delivery.

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 depends on the type of the structure. If you are looking to buy or rent a more expensive building, contact us to see what option are available.
LightStream Financing

Interest-Free, Price Locked Layaway Program

Need to get a storage shed or other backyard structure, but you don't need it right away? Layaway might be the option for you!

All you need to do is make regular no-interest payments, and once the balance of the purchase price is paid in full, we will deliver your product (shed, garage, gazebo, pergola, etc.) to you.

Benefits of our Layaway Program:

  • No Credit Checks
  • No Storage Fees
  • No Interest Fees
  • Price Hold Protection
  • Flexible Start Up Deposit
  • No Time Restrictions
Call 888-828-9743 or contact us if you have questions or would like more details about the layaway program.
LightStream Financing

Now Accepting Cryptocurrencies

Have your money in cryptocurrency? No need to move it to your bank, pay with cryptocurrency directly. Capitol Sheds now accepts payments via Pay and BitPay.

Learn More