PAYMENT &

Financing

Payment Options

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. happily accepts multiple forms of payment. We understand that sometimes it is easier to spread out a big purchase over a few financial channels, so we try to make buying your new cottage a little easier by giving you many options.

Credit Card: We accept Master Card, American Express, Discover Card and Visa. We can accept credit card payment online, over the phone, or in-person.

Bank: We can also accept cash, Personal Check, ACH transfers, Wire transfers.

Digital: Payments can be made by Paypal.

Financing: We offer in-house financing solutions and easy financing with some of our preferred partners.

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 PARTNERS

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 Pay™

Finances fully assembled projects and pre-cut kits
Easy financing on eligible orders
Pay over time at competitive rates

LIGHTSTREAM

Finances fully assembled project and Pre-Cut Kits
Up to $100,000
Low Interest Rates
Finances Tiny Homes on Wheels

Apply Here

HOME LOAN INVESTMENT BANK

Finances fully assembled projects and pre-cut kits
Up to $85,000
Minimum 600 Credit Score
Ideal for Outbuildings and ADUs

Apply Here

FInancing Details

Discover what our financial partners can offer you!

BREAD PAY™

Through Bread Pay™, we offer easy and affordable financing options so you can pay for your purchase over time.

Affordable Monthly Plans

Buy now and pay for your purchase over time at competitive interest rates.

No Prepayment Penalties

Pay for your purchase with monthly payments and prepay at any time without penalty.

Easy Application

Get a decision in seconds with no obligation to buy. Checking your rate won't affect your credit score. Your data is safe and encrypted.

Questions?

Visit the Bread Pay help center.

Please note, your financial institution may charge you one or more non-sufficient funds or overdraft fees if any loan payment exceeds your account’s available balance. If you pay with a credit card, your credit card issuer may charge interest and/or fees.

*Subject to approval of credit application. Rates range from 5.99% to 29.99% APR, resulting in, for example, 36 monthly payments of $32.26 at 9.99% APR, per $1,000 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread Pay™ loans are made by Comenity Capital Bank, a Bread Financial™ company.

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.

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 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 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.

Financing Tip — 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.