Rent-to-Own Decks Explained: How It Works at Hershy Decks

You want a deck. You picture summer mornings with coffee, evening cookouts with family, a real outdoor living space that makes your house feel like home.

But then you think about the cost. A few thousand dollars upfront? That's not in the budget right now.

Here's the good news: you don't need thousands of dollars upfront. You don't even need good credit.

At Hershy Decks, we offer rent-to-own financing that makes deck ownership accessible to almost everyone. Let's break down exactly how it works.

Rent-to-Own: The Basic Concept

Rent-to-own is exactly what it sounds like: you rent the deck, and over time, you own it.

How it works:

1. You choose your deck (size, style, options)

2. You sign a rental agreement with a set monthly payment

3. You make payments each month

4. After all payments are complete, you own the deck outright

It's that simple. No complicated financing terms. No balloon payments. No surprises.

Why Rent-to-Own Instead of Traditional Financing?

Traditional deck financing (like a home improvement loan or credit card) typically requires:

• Good credit score

• Bank approval process

• Hard credit inquiry on your report

• Waiting days or weeks for approval

• Interest rate based on your credit history

Rent-to-own at Hershy Decks requires:

• Valid ID

• First month's payment

• A place to put the deck

That's it. No credit check. No bank involvement. No approval waiting.

The "No Credit Check" Part Is Real

When we say no credit check, we mean it:

We don't pull your credit report. Not a soft pull, not a hard pull. Nothing.

Your credit score is irrelevant. Whether you have excellent credit, bad credit, or no credit history at all—it doesn't affect your approval.

No inquiry appears on your report. Since we don't check your credit, there's nothing to show up.

We don't report to credit bureaus. Your payments aren't reported as a loan. This is a private agreement between you and us.

Why can we do this? Because rent-to-own is a different model than traditional lending. The deck remains our property until you complete all payments. If you stop paying, we can retrieve the deck. This reduces our risk, which means we don't need to screen based on credit history.

What Does It Actually Cost?

Let's be transparent about the numbers. Rent-to-own costs more than paying cash upfront—that's the trade-off for flexible financing without credit requirements.

Yes, you pay more over time than you would paying cash. But consider:

• You get the deck NOW instead of saving for years

• You don't need to qualify for traditional financing

• Your monthly payment is predictable and manageable

• At the end, you own a real asset

For many families, the ability to have a deck today—while paying over time—is worth the premium.

Step-by-Step: Getting Your Rent-to-Own Deck

Step 1: Contact Us

Call, message us on Facebook, or visit our website. Tell us what you're thinking:

• What size deck?

• Covered or uncovered?

• Treated or stained wood?

• Where will it be delivered?

  
  

Step 2: Get Your Quote

We'll give you the exact pricing—both cash price and monthly rent-to-own payment. No hidden fees. No surprises later.

Step 3: Review the Agreement

Our rental agreement spells out:

• Your monthly payment amount

• When payments are due

• Total number of payments (typically 36 months or 48 months)

• What happens when you complete all payments (you own it!)

• What happens if you need to stop payments

Read it. Ask questions. Make sure you understand everything.

Step 4: Sign and Pay First Month

Sign the agreement and pay your first month's payment. That's your "down payment"—just one month, not a large lump sum.

Step 5: We Build Your Deck

We get to work in our shop. Your deck is typically ready for delivery in 1-3 weeks, depending on our current workload.

Step 6: Delivery and Setup

We deliver your completed deck and set it up at your property. You're using it that same day.

Step 7: Make Monthly Payments

Each month, you make your payment. Each payment brings you closer to ownership.

Step 8: Own Your Deck

After your final payment, the deck is 100% yours. No more payments. No ongoing obligations. Just your deck, on your property, owned outright.

Frequently Asked Questions

What if I miss a payment?

Life happens. If you know you're going to miss a payment, call us. We can often work out a solution—adjusted timing, temporary arrangement, something that keeps you on track.

If you stop paying entirely and we can't reach you, we may eventually need to retrieve the deck. But we don't want that. We want you to succeed. Communication is key.

Can I pay it off early?

Absolutely. You can pay extra any month, or pay off the remaining balance whenever you want. Early payoff means less total cost for you, and we're happy to see customers own their decks sooner.

What if I need to move?

Contact us. In many cases, we can relocate your deck to your new address for a delivery fee (you'd continue making payments as normal). If you're moving outside our service area, we can discuss options.

Is there a large down payment?

Typically just the first month's payment (for decks under $6000). If your monthly payment is $171, your "down payment" is $171. That's it. For decks over $6000, it would be the equivalent of two months down.

What happens if I can't continue payments?

We'll work with you to find a solution. Options might include:

• Adjusting the payment schedule

• Temporary pause (case by case)

• Returning the deck and ending the agreement

We're real people, not a faceless corporation. We understand that circumstances change.

Do I own the deck while I'm making payments?

Technically, no—the deck remains our property until all payments are complete. This is what makes rent-to-own possible without credit checks. In practice, though, you have full use of the deck, and as long as you're making payments, it's yours to enjoy.

Can I make improvements to the deck?

Normal use and enjoyment is fine. If you want to make significant modifications, talk to us first. Once you own the deck outright, it's yours to modify however you want.

Who Is Rent-to-Own Right For?

Rent-to-own makes sense if you:

• Want a deck but don't have thousands in savings

• Have credit challenges that make traditional financing difficult

• Prefer predictable monthly payments over a large lump sum

• Value flexibility in your financial commitments

• Don't want to wait years while saving up

Rent-to-own might not be ideal if you:

• Have cash available and prefer to pay upfront (you'll save money)

• Have excellent credit and can get a low-interest home improvement loan

• Plan to move within a few months

  
  

The Bottom Line

Rent-to-own lets you have a deck today while paying over time. No credit check. No bank approval. No massive upfront cost.

You make monthly payments—typically $100-400 depending on deck size—and after 36 months, the deck is yours.

It's not the cheapest way to get a deck. But it's a way that works for families who might not have many other options.

Your backyard doesn't have to wait for perfect credit or years of saving. It can have a deck now.

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Ready to get started with rent-to-own?

📞 Call us: (817) 933-8064 💬 Message "RENT TO OWN" on Facebook 🌐 See all prices: hershydecks.com

Hershy Decks Rent-to-own available • NO CREDIT CHECK Serving 200 miles from Itasca, TX Built in our shop. Delivered complete. No mess.