Lumber & Hardware
No credit check · Everyone’s approved

Own Your Building,
Not a Storage Bill.

Rent-to-own a quality shed, garage, or cabin with no credit check and no big upfront cost. Pick it, put just the first month down, and we deliver it free.

  • NoCredit check
  • InstantApproval
  • First monthDown to start
  • FreeDelivery
Why PAC

Why Rent-to-Own With PAC

A simple, flexible way to own a quality building — without the bank, the credit pull, or the commitment.

No Credit Check

We never run a credit report, so your score stays right where it is. Renting a building doesn’t affect your credit at all.

Only First Month Down

No big upfront cost — just the first month down gets your building delivered. We even accept cards for it.

No Strings

The flexibility to turn in the building at any time, for any reason — no penalty, no hassle.

Instant Approval

Everyone is approved. No applications to sweat, no waiting on a lender — just pick your building and go.

Simple & fast

How It Works

Three easy steps from picking a building to having it set up in your backyard.

1

Choose Your Building

Browse our lot or build your own in the 3D shed builder — pick the size, style, colors and options you want.

2

Just First Month Down

No big upfront cost — just the first month down to get started, and the paperwork takes 10 minutes or less. We accept cards for the down payment and your payments.

3

Free Delivery & Setup

We deliver and set up your building free, right where you want it — delivery in two weeks or less.

Flexible terms

36, 60 or 84-Month Terms

Pick the rent-to-own term that fits your budget — and pay it off early any time with no penalty. It only saves you money.

36
Month Term

Pay it off the fastest and save the most overall — a higher monthly payment for the lowest total cost.

60
Month Term

A balanced middle ground — moderate monthly payments spread comfortably over five years.

84
Month Term

The lowest monthly payment, spread over seven years — the easiest option on your monthly budget.

Every building shows its 36, 60 and 84-month payment right on the listing — browse buildings to see your exact monthly options.

Stop renting storage you’ll never own.

A self-storage unit is money gone for good. With rent-to-own, every payment moves you toward owning your building — parked right in your own backyard, 24/7.

Browse by style

Your Style, Your Colors

Barns, garages, utility sheds, cabins and more — with a wall of colors and finishes on every model. Tap a style to see what’s on the lot.

The fine print, made easy

Highlights of Our Program

Everything that makes our rent-to-own the easy, no-pressure way to get the space you need.

Own it, don’t rent it. Every payment moves you toward owning your building — not gone like a storage-unit bill.
24/7 backyard access. Your belongings are right outside, available any hour, any day — no driving across town.
Early payoff, no penalty. Pay it off early whenever you like. It saves you money, with zero penalties.
Only first month down. No big upfront cost — just the first month gets your building delivered to your yard.
Cards welcome. We accept credit cards for the down payment and your monthly payments — no cash in hand needed.
Free delivery & setup. Delivered and leveled in your yard at no extra charge.

Ready to Get Started?

Pick the building that’s right for you and we’ll take care of the rest. No credit check, instant approval, and free delivery to your door.