Financing Options

Great sheds shouldn’t be out of reach. That’s why we offer simple, honest financing with no surprises.

Rent-to-Own Made Simple with SmartPay Rentals

At Miller Shed Builders, we’ve been helping families find the right storage solutions since 1975. And we know sometimes, paying for the whole building up front just isn’t the right fit. That’s why we offer a straightforward, affordable Rent-to-Own option through our trusted partner, SmartPay Rentals.

Save With the Early Purchase Option

Pay off your contract early with SmartPay’s EPO and save big—own your shed sooner, for less.

The easiest way to get started

Why Customers Love Rent-To-Own

  • Easy Monthly Payments – Break up the cost of your shed into low monthly payments that work for your budget.
  • Low Initial Payment – Get started without draining your savings.
  • You Own It – Once your final payment is made, the building is yours.
  • No Credit Check – Approval is fast and simple—no credit needed.
  • Pay Off Early Anytime – Want to own it sooner? No problem—early payoff saves you money.

How It Works

  • Pick Out Your Shed – Choose from our full line of quality storage buildings, cabins, and garages.
  • Apply Through SmartPay – Your Miller’s Shed Designer will handle the application process with SmartPay Rentals and walk you through the quick approval steps.
  • Make Monthly Payments – Your building gets delivered and set up, and you make simple monthly payments.
  • Celebrate Ownership – After the last payment, the shed is 100% yours—no strings attached.

Traditional Financing Available with Backyard Finance

Looking for a more conventional financing option with fixed terms and rates? We’ve got you covered. Miller Shed Builders also partners with Backyard Finance to offer unsecured personal loans designed just for outdoor structures like sheds, garages, and cabins.

A Good Fit for Bigger Projects

Traditional financing is often the right fit for customers investing in larger buildings or looking to bundle upgrades and site prep into one loan. If you’ve got a big backyard vision, this might be the way to go.

traditional financing done simply

Why Choose Backyard Finance?

  • Fixed Monthly Payments – Enjoy the predictability of a standard loan.
  • Unsecured Loans – No collateral needed. You keep full ownership of your shed from day one.
  • You Own It – Once your final payment is made, the building is yours.
  • Quick Online Approval – Fast, hassle-free application process.
  • Competitive Rates – Multiple term options with fair interest rates.

How It Works

  • Select Your Building – Just like with RTO, pick the building that suits your needs.
  • Apply Online – Go to backyardfinance.com and fill out their quick online application.
  • Get Funded – Once approved, the funds go directly toward your building purchase.
  • Enjoy Your Shed – Your structure is delivered and installed—no waiting, no fuss.

Your perfect Backyard solution awaits you.

Let’s talk about what works best for your budget—and your backyard.

Let’s Start Now