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FAST, EASY AND CONVENIENT FINANCING CHOICES
Jamaica Cottage Shop, Inc. has teamed up with these four financing partners to help our customers finance their sheds, cottages, cabins, barns, garages or workshops. These financing options can help avoid any budgeting roadblocks you may experience.
For help deciding which financing partner might work best for your project contact our sales team.
Bread
Finances fully assembled projects and pre-cut kits
Up to $12,500
Easy, low rates possible*
Apply during checkout
RTO National
Finances Fully Assembled storage buildings
Up to $15,000
No credit check
Simple & quick application
Lightstream
Finances fully assembled projects and pre-cut kits
Up to $100,000
Low interest rates
Finances THOWs
Home Loan Investment Bank
Finances fully assembled projects and pre-cut kits
600 minimum credit score
Up to $85,000
Ideal for out buildings and accessory dwelling units
bread
Fair Rates, No Prepayment Fees
Rates are often lower than what credit card companies charge you, and terms are always clear. You can pay the same amount each month or pay off your whole balance anytime, for no extra cost.
Safe and Secure
We take security seriously. Our partner Bread is committed to keeping your personal information secure and uses its technology to encrypt that data.
How to Order
When ordering with Jamaica Cottage Shop online choose the pay over time option during checkout.
Will Bread Financing affect my credit score?
If you check out and complete a sale, there will be a hard inquiry on your report, just like any other credit application. You will be prompted to review your payment terms before you check-out, so please be sure to check out only once you have agreed to the financing terms. The number of inquiries is one of the factors that credit bureaus consider in determining credit scores.You can check your rate and terms at any time without impact to your credit score. If you qualify, you will be given payment terms and will be able to see how much the purchase will cost you in monthly payments.
The Fine Print
*The term is for a loan to finance a purchase. Rates range from 0% to 29.99% APR, resulting in, for example, 12 equal monthly payments of $83.33 at 0% APR or 24 equal monthly payments of $45.22 to $55.91 at 7.99% to 29.99% APR, per $1,000 borrowed. Your terms may vary and are subject to credit approval. Bread® loans are made by Cross River Bank, a New Jersey Chartered Bank, Member FDIC.
Learn more about financing your order through Bread® here: https://www.getbread.com/consumer/faq/.
Rto national
Easy Application, No Credit Check
With a rent-to-own, your agreement is a monthly lease contract, so there is no reporting to credit agencies. Once you have applied you will find out quickly if you are approved.
Many Payment Methods Accepted
RTO National accepts credit card payment over the phone or through their Customer Payment Portal. You may also make payments using money orders, auto draft, or mailed in checks.
Pay Over Time
Make monthly payments on your fully assembled building. Once it is paid in full you own it. If you decide that you no longer want the building, or are unable to make payments, RTO National can make arrangements to schedule a pick up for your building.
Protect Your Building
Purchase an optional liablity damage waiver (LDW) to cover the rest of your lease if your building is damaged, destroyed or stolen.
Learn more about rent-to-own with RTO National® here: https://www.rtonational.com/faqs.
lightstream
Tiny Home Financing
Fund or refinance a tiny home, at a low interest rate. When you have good credit, you deserve a low-interest, fixed-rate loan. You can be confident that’s what you’ll get with Lightstream. They back their low rates with a Rate Beat Program.
Quick Funding
You choose your funding date. It may be possible to have funds deposited into your account as soona s the same day that you apply.
No Fees
The unsecured LightStream loan has no fees or prepayment penalties. No down payment is required and there is also no appraisals or home equity requirements.
Hassle Free
Check your rate, then apply from your smartphone, tablet or computer, and get a low rate on our virtually paperless loan, from $5,000 to $100,000.
The Fine Print
* Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 26% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2020 to 12/31/2020. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 2.49% APR with a term of 3 years would result in 36 monthly payments of $288.57. Maximum APR for a LightStream loan is 20.49%. LightStream is a division of SunTrust Bank.
home loan investment bank
Home Improvement
Home Loan offers FHA Title 1 and Advantage Loans to homeowners who are looking to purchase fully assembled out-buildings that can be placed on their properties. These buildings coul include barns, garages, workshops, livestock shelter, and agricultural buildings to name a few of the building types. Nearly any type of building may be financed as long as it is not used as a primary residence.
Easy Payment
Home Loan Investment bank provides loans with low fixed rates, flexible payment terms and no prepayment penalties.
Over 50 Years of Service
Home Loan has provided customers with competitive home equity loans, knowledgeable advice, and financial guidance since 1959, and we have the strength and longevity to continue meeting this goal into the future.
Fast Application
Loan decisions for pre-qualification are usually made within 24-48 hours.
The Fine Print
- Applying for a loan through Home Loan Investment Bank does result in a hard pull during the credit check. For questions regarding a loan application with Home Loan Investment Bank please contact Steven Breault by calling 401-773-9709 with any questions.