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Financing Available. Not everyone has the available funds for a shed in one up-front, lump sum payment. Don’t let that stop you. Financing may be the best option! Liberty Sheds has teamed with Allegacy Credit Union to offer more traditional retail finance options for your backyard shed. This is an excellent option for people with good credit scores. Basic guidelines include: Credit score of 680 or higher is required. Starting at zero down with fixed payments and a fixed APR of 9.85%. Financing up to $20,000 is available. (The total ticket price can be higher, the buyer would simply need to place a deposit so the balance financed is under $20,000). Property ownership is not required. Instant approval status online or phone by filling out a simple application process.