Growing Spaces customers have multiple options to finance their Growing Dome Greenhouse. Jump to the option below, or research gardening grant opportunities.
0% Interest for 12 months with Splitit
Growing Spaces has recently partnered with Splitit, a global payment solution enabling shoppers to pay for purchases with an existing credit card by splitting the cost into interest-free monthly payments. Splitit requests authorization from the shopper’s card company, reserving the total purchase amount from the shopper’s available line of credit. Then, each month, according to the shopper’s payment plan, the installment amount is collected and Splitit requests authorization for the remaining balance.
To be eligible, you must own a Visa or Mastercard credit card and have the entire amount of your purchase available on your credit card’s credit limit.
Growing Spaces requires at least a 10% deposit to hold a ship date, and the remaining installments will begin one week before the order ships.
At that time you will only be charged for the first payment. The remaining balance will be held on your credit card. After each monthly payment, the amount held from your available credit will be reduced to the new remaining balance (the held amount might appear as “pending”).
Your 0% interest and no fees will apply as long as you pay your credit card statement balance in full every month. There is no interest or hidden fees from Growing Spaces or Splitit. Any fees or interest would be charged by your credit card company if the monthly payment is not made on time.
You can also pay a larger deposit to Growing Spaces if your credit limit is not enough for the entire purchase, you would like additional credit on your card for other purchases, or you would like to lower your monthly payments. A 10% deposit is required to reserve a ship date.
Example: If your Growing Dome quote totals $11,000, but your existing credit limit available is $9,000, you may pay a $2,000 deposit to Growing Spaces via check, eCheck or another credit card. One week before your Growing Dome is shipped, Splitit will charge the first monthly payment of $750 on your credit card and then hold the remaining $8,250 on your credit card. You may not be able to make additional purchases on this credit card until more payments are made. The following month you will be charged another $750, and the hold will be reduced to $7,500. You will not be charged interest or fees as long as your credit card balance is paid in full each month. There is no interest or hidden fees from Growing Spaces or Splitit. Any fees or interest would be charged by your credit card company if the monthly payment is not made on time. After 12 months, the final payment of $750 will be charged to your credit card and there will be no additional holds on your credit.
Status of your payments and balance is all available through your Splitit consumer portal on-line. In addition, Splitit will email you after each successful installment charge. You can also use the consumer portal to pay off your balance early with no penalty.
Splitit uses valid authorizations from the credit card issuer just like a standard credit card purchase. Splitit complies with Visa and Mastercard operating standards. They are PCI – DSS level 1 compliant and use communication security technology (single-socket layer/ SSL) to keep the information safe.
OneMain Financial is a more traditional financing option for your Growing Dome greenhouse, and we have been working with them for over a year. You can customize your loan experience with benefits that work for you.
- Flexible Loan Payment Options. Mobile payment, Direct Pay, online payments and more.
- Online Account Management. View your statements and account history 24/7.
- Free Credit Score & Online Credit Management Resources. VantageScore credit score, free articles, online courses and more.
- Mobile Account Access. Manage your account from your mobile device and find help online or from your loan specialist at any time.
- Fixed-rate and fixed monthly payments. A predictable alternative to the variable rates and minimum payments of most credit cards
- 7-Day Satisfaction Commitment. If for any reason you decide to cancel your loan, you can do so by returning all loan proceeds any time within seven calendar days after the closing date on your loan.
Visit a local branch, call 855-757-MAIN or got to OneMainFinancial.com to apply. You will need a current driver’s license or US Government ID card, a current pay stub, most recent bank statement and your most recent tax return.
A Home Equity Line of Credit (HELOC) is a great option for financing your Growing Dome greenhouse. If you have equity in your home, contact your lender to see if you are eligible for a HELOC.
If none of the above options work for you, contact us to see if we have any special financing options to better fit your needs.