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

*Subject to approval of credit application. Rates range from 5.99% to 29.99% APR, resulting in, for example, 24 monthly payments of $46.14 at 9.99% APR, per $1,000 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread® pay-over-time plans are loans made by Comenity Capital Bank.

Learn more about financing your order through Bread® here: https://www.getbread.com/consumer/faq/.
 

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.

Easy Application, No Credit Check

For RTO financing, we need a copy of your identification card (drivers license, state ID or passport) and an application.  Learn more.

Once you apply we may be required to supply additional paperwork. If so, you will be contacted by email.

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.

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.

Quick Funding

You choose your funding date. It may be possible to have funds deposited into your account as soon as the same day that you apply, conditions 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 their virtually paperless loan, from $5,000 to $100,000.

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.

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 could 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.