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RENT-TO-OWN SHEDS | NO CREDIT CHECK
WHAT IS RENT-TO-OWN?
A SIMPLE WAY TO GET YOUR SHED NOW – WITHOUT A BANK LOAN
Not everyone wants to put down thousands of dollars upfront or apply for traditional financing just to get a quality storage building. That’s where rent-to-own comes in. It’s a straightforward alternative that lets you get the shed, garage, or building you need today, make manageable monthly payments, and own it outright once your term is complete – no bank, no credit check, no waiting.
Simpson Superior Structures partners with Grove Properties, a rent-to-own provider that specializes in portable buildings, to make this option available to our customers. Here’s exactly how it works, what it costs, and what to expect.
RENT-TO-OWN, IN PLAIN ENGLISH
Rent-to-own is not a loan, and it’s not traditional financing. Instead, you’re entering into a rental agreement for the building of your choice. You make a small deposit to get started, and then a monthly payment — similar to what you’d pay for a storage unit rental. The difference is that every payment you make builds toward ownership. Once you’ve completed your agreement, the shed is yours, free and clear.
Because it’s structured as a rental rather than a loan, there’s no interest rate attached. Your monthly payment stays the rental amount agreed to in your contract from start to finish.
HOW IT WORKS, STEP BY STEP
Ask about rent-to-own at checkout
When you’re ready to move forward, let us know you’d like to go the rent-to-own route. We’ll walk you through the numbers for your specific building.
Fill out a short application
Grove Properties’ application is quick, and there’s no credit check involved. Approval decisions are fast — most applicants know where they stand almost immediately.
Put down your deposit
Generally, this is one month’s rent plus a minimal security deposit for portable buildings. This secures your rent-to-own contract and gets your build or delivery scheduled.
Get your building delivered
Once your building is complete and delivered to your property, the countdown to your first payment begins.
Start making monthly payments
Your first monthly payment is due 30 days after delivery. From there, you simply keep up with your monthly rental payment through Grove’s online payment portal, or set up autopay so you never have to think about it.
Own it outright
Once your rental term is complete, ownership of the building transfers to you. No balloon payment, no surprise fees — it’s yours.
RENT-TO-OWN APPLICATION FORM
WHY CUSTOMERS CHOOSE RENT-TO-OWN
No credit check, no credit score requirement
Approval isn’t based on your credit history. This makes rent-to-own a realistic path to ownership for customers who may not qualify for — or simply don’t want — traditional bank financing.
Get your building now, not months from now
Rather than saving up for years to pay cash, you can have your new shed or building delivered and in use right away.
Predictable, budget-friendly payments
Monthly payments are structured to be manageable, similar to a storage unit rental, so you can plan around them with confidence.
No long-term interest charges
Rent-to-own agreements don’t carry an interest rate. You know your monthly payment upfront, and it doesn’t change.
Flexibility to pay it off early and save
If your budget allows, you can pay off your remaining balance at any point during your term and receive a discount off what’s left owed. Depending on your contract terms, an early payoff can save you as much as 40% off your remaining balance. Simply contact Grove Properties directly to discuss your payoff options at any time.
Convenient online account management
Grove’s customer payment portal lets you view your account, make a one-time payment, or set up autopay from your phone or computer — no phone calls required (though phone support is always available too).
WHAT TO KNOW BEFORE YOU APPLY
Rent-to-own is a great option for a lot of customers, but it’s worth understanding the full picture:
- You’ll pay more over time than a cash purchase. Because payments are spread out over months, the total paid will be more than the upfront cash price — similar to any pay-over-time arrangement. The early payoff discount is there specifically to help reduce that difference if you’re able to pay ahead of schedule.
- A deposit and first month are due to get started. Typical requirements are one month’s rent plus a modest security deposit, due before delivery.
- Applicants must be at least 21 years old and have a valid driver’s license from the state they reside in.
- The building’s location matters. The physical address where the structure will be placed must be disclosed and included in your rental contract, and generally only one rent-to-own unit is permitted per property.
- Customization happens after ownership. While you’re in the rental period, the building stays as originally delivered. Once you’ve completed payments and own it outright, you’re free to modify it however you like.
RENT-TO-OWN VS. FINANCING: WHICH IS RIGHT FOR YOU?
Simpson Superior Structures offers both traditional financing (through our lending partners) and rent-to-own (through Grove Properties), because different customers have different needs and different credit situations.
Traditional financing often comes with a no-money-down option, but that convenience is built into the monthly payment — because the lender is taking on credit risk and charging interest, those payments tend to run higher, and approval depends on your credit history.
Rent-to-own works differently. It does require a small deposit to get started, but the monthly payments themselves are extremely low by comparison — often similar to what you’d pay for a basic storage unit rental. And because there’s no credit check involved, it doesn’t matter if your credit is less than perfect or even has serious blemishes. If you’re 21 or older and have a valid driver’s license, you qualify.
So the trade-off comes down to this: pay nothing down but carry a higher monthly payment with financing, or put down a modest deposit and enjoy a much lighter monthly payment with rent-to-own — with approval guaranteed regardless of credit history.
Not sure which fits your situation? Our team can walk you through both options side by side so you can decide with confidence.
FREQUENTLY ASKED QUESTIONS
No. There’s no interest rate and no traditional credit underwriting. You’re renting the building with an agreement that ownership transfers to you once your payments are complete.
No. There’s no credit check at all, so even bad or damaged credit won’t stop you from qualifying. Approval is based on Grove Properties’ simple application process, not your credit score or history.
Typically one month’s rent plus a minimal security deposit, though this can vary by building size and style.
Thirty days after your building is delivered to your property.
Yes. You can pay off your remaining balance at any time and receive a discount — potentially up to 40% off what’s left owed, depending on your contract. Contact Grove Properties directly to run your numbers.
Changes and customizations can be made once your payments are complete and you own the building outright.
Payments are made through Grove Properties’ online customer portal, by autopay, or over the phone.
Reach out to our team at Simpson Superior Structures, or contact Grove Properties directly at (888) 506-7866.
READY TO GET YOUR SHED THE EASY WAY?
You don’t need perfect credit or a big upfront payment to get a quality, built-to-last shed, garage, or barn on your property. With rent-to-own through Grove Properties, you can get approved fast, get your building delivered, and start making simple monthly payments toward full ownership.
Design Your Shed or call us at (256) 452-4688 to talk through your rent-to-own options today.
Rent-to-own services are provided by Grove Properties, an independent rent-to-own provider. Terms, deposit amounts, and monthly payments vary by building size, style, and contract terms. Contact our team or Grove Properties directly for exact figures based on your selected building.