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Financing Options for all, projects big and small!

We get it. When buying a post and beam building project, there can be a lot of up-front costs. This investment is going to improve your life, but you need to figure out how to pay for it. We have solutions that can get you on the path of building today 

Jamaica Cottage Shop, Inc. wants to make your cottage, cabin, shed or homestead dreams affordable and accessible! Here are some options we offer our customers to help them with the initial financial hurdles of buying a new building.

Lock In The Sale Price

Our pricing is likely to change at the end of each sale. If you want to lock in a sale price, we can do that with a Good Faith Deposit.

This small, non-refundable fee extends the current sale price for one extra week past the expiration date.

Contact us about the Good Faith Deposit 

Half Now, Half Later

Pay for half of your project now, with the rest due on delivery for locals (or before delivery for freight orders).

This is a great option for those who want to finance a portion of their project or want to make two large payments

Contact us about putting 50% down 

Financing Tips: Prioritize your budget


Knowing your spending plan is half the battle. There are many creative ways you can achieve your dream without going deep into debt. Scale back your project and build in smaller chunks so you can save and pay as you go.


If you are building your permanent tiny home you can start with a three-season kit, and get the rest of your insulation, interior sheathing, and insulated windows and doors locally. Thrifty folks who love scanning building reuse stores, and barn sales for deals can potentially save on siding, windows, and doors. With a frame-only kit the tricky part of the build is pre-cut and will cost you a lot less up front.

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.

Our Financing Partners can help!

For help deciding which financing partner might work best for your project contact our sales team. 


Finances fully assembled projects and pre-cut kits
Up to $12,500
Easy financing, low rates*
Apply during checkout


Finances fully assembled storage buildings
Up to $15,000
No credit check
Simple & quick application


Finances fully assembled projects and pre-cut kits
Up to $100,000
Low interest rates
Finances THOWs


Finances fully assembled & pre-cut kits
Min. credit score: 600
Up to $85,000
Ideal for outbuildings and accessory dwelling units


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.

Check My Rate

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¬ģ pay-over-time plans are loans made by Comenity Capital Bank.


Learn more about financing your order through Bread¬ģ here:¬†

Bread Financing October 2021

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¬ģ here:


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 soon as 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.¬†
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