Rent-to-Own — No Credit Check
Esh's Utility Buildings has partnered with AFG (afgrentals.com) to offer rent-to-own payment plans for sheds in Kentucky and Tennessee — with no credit check required. Instead of renting storage space and never owning it, rent-to-own lets you invest in a building you'll own at the end of your lease — a smarter alternative to mini storage or self-storage.
How It Works
Choose your building
Pick an in-stock shed or design your own — any Esh's building qualifies.
Apply & make a deposit
A quick, easy application with no credit check, plus your first payment (and a deposit where applicable).
Sign & we deliver
Sign your month-to-month rental agreement and we deliver the building straight to you.
The Details
No Credit Check
No credit score is required for approval — almost everyone qualifies.
Flexible Terms
Choose 24, 36, 48, or 60-month payment plans to fit your budget.
No Early-Payoff Penalty
Pay the contract off early at any time — we never charge a penalty.
Cancel Anytime
It's month-to-month. Cancel by calling for pickup and walk away with no further charges.
Payments Build Ownership
Every payment goes toward the building. At the end of the term, it's yours.
Up to 3 Units
Up to 3 rent-to-own items per household, or $30,000 total — whichever is greater.
Good to Know
As with any contract where you pay over time, the total cost is higher than the cash price. These extra charges are rental fees, not finance charges.
Payments are due on the date you select — either the 1st or the 15th of each month.
Prefer traditional financing? We also offer several bank financing options with rates starting as low as 7.99%.
Rent-to-Own Shed FAQs: What to Know Before You Buy in KY & TN
Do rent-to-own sheds require a credit check? No. Rent-to-own buildings fall under lease agreements, so no credit check is required — rent-to-own sheds are available to folks with any credit score.
Is rent-to-own the same as financing? With a rent-to-own building versus a financed one, you have no obligation to continue making payments if you get in a financial bind later on. If you call in to cancel, it does NOT hurt your credit — financing does not work this way. You can order another building later without hurting your credit or relationship with Esh's Utility Buildings.
Can I pay off the balance early? As long as your account is current, you have the option to receive an Early Purchase Quote — a one-time, lump-sum payment. Call our office to receive your quote.
How much more will a building cost with rent-to-own? The cost of leasing services varies with the length of the rental agreement — the longer the agreement, the more leasing services will cost compared to the price of the building itself. For a 5-year rent-to-own agreement, leasing services will add about 125% to the base cost of the building.
What payment options are available besides rent-to-own? Cash on delivery is the most straightforward option — we accept cash, check, and credit card. Alternatively, 90 Days “Same as Cash” pricing lets you pay in full within 90 days and still get the same savings as a one-time payment.
What is “90 Day ‘Same as Cash’”? It's a hybrid between rent-to-own and a one-time payment — essentially an option to convert a rent-to-own contract into an up-front payment. If the building is completely paid for within 90 days of the start of the contract, the total cost will not exceed the cash price for the building.