PAYMENT &
Financing
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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
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
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
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.
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.
NEED A BOOST?
Our Financing Partners can help!
BREAD®
Up to $12,500
Easy financing, low rates*
Apply during checkout
RTO NATIONAL
Up to $15,000
No credit check
Simple & quick application
LIGHTSTREAM
Up to $100,000
Low interest rates
Finances THOWs
HOME LOAN INVESTMENT BANK
Min. credit score: 600
Up to $85,000
Ideal for outbuildings and accessory dwelling units
bread ®
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/.
Rto national - RENT TO OWN
How Rent-To-Own Works
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. Your building becomes your property once your RTO financing agreement is paid in full.
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.
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.
