Financing Options:

Low Rates

Quick Links


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. 



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



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


Check My Rate

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 0% 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:¬†

Limited Tim Easy Financing

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 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.¬†