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Finance Options
We allow you to choose between two types of financing:

Rent-to-Own Bank Financing


Our most frequently asked questions about financing options:

Can I get financing if I don’t own my land?
No, unfortunately if your name isn’t on the Deed then you can’t get a loan.

What will my payments be?
Your payments will be calculated by amount/term by the bank and your approval will have that information.

What does my credit score need to be?
Credit scores as low as 620 can get approved.

My credit is "bad" can I still get financed?
Perhaps, there are other criteria the bank uses besides credit score so you just need to apply.

Is Financing and Rent To Own the same?
No, while financing is based off credit score with Rent To Own there is no credit score involved.

Is the interest rating the same on Finance and Rent To Own?
No, Rent To Own is a completely different program.

Does my credit score affect my interest rate?
Yes, the lower your score is the higher the interest rate will be.

After I submit my application how will I know if I was approved?
Your application will be reviewed and within 48 hours one of our Online Sales Advisors will be contacting you to discuss the details. If you are denied credit our Advisors will not know the reasons why. The bank will mail out a letter to you with their reasons.

Do you use a local bank or finance company?
We use Citizens State Bank which is a true lender not a finance company.

What if I have a co-signer?
You can have a co-signer as long as their name is also on the Deed along with yours.

Can I pay my loan off early without penalties?
Yes, there is no penalty for early payoff.

If I find a lower rate after I start making payments to CSB can I re-finance?
Absolutely, there is no penalty for early payoff including re-finance.

Please contact one of our experienced Advisors by calling Toll-Free 844-227-7678.
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Speak to an Advisor at 844-227-7678

Corporate Office:
    115 Atwood Street, Suite 404
    Sparta, North Carolina 28675

Mailing Address:
    Post Office BOX 136
    Sparta, North Carolina 28675

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