970-420-2440
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Land for Sale with No Credit Check

Elegment Land sells and finances its own land, so there is no bank loan. On every lot we finance ourselves, we do not check your credit. You make the down payment, sign, and pay us monthly. The deed is recorded in your name at closing, and you can build and live on the land while you pay.

No credit check on select properties · Deed in your name at closing · No prepayment penalty

Call or Text 970-420-2440

How does buying land with no credit check work?

You buy directly from us, the owner of the land, and we carry the financing. Approval does not depend on your credit score. Here is how a purchase works.

  1. Pick a lot with owner financing. Each lot page shows the cash price, down payment and monthly payment.
  2. Reserve it with $900. The reservation fee counts toward your down payment.
  3. Pay the rest of your down payment and sign. We record the deed in your name and hold a deed of trust until the land is paid off.
  4. Make your monthly payments to us. You can build and live on your land during this time.
  5. Pay it off whenever you like, with no penalty. We record a release of lien with the county.

Which lots need no credit check?

Every lot we sell with owner financing needs no credit check, and most of our lots offer it. A few lots are sold for cash or with outside financing only, and those do not qualify. Each lot page shows its owner financing terms, and every lot below qualifies.

83 Listings

What does a no-credit-check lot cost?

Our smaller lots are the easiest place to start. Many cost under $15,000, with a down payment that is a set dollar amount, usually under $5,000, and a 5-year payment plan. Say you buy a $5,900 lake lot. You put $2,900 down and pay about $94 a month for 5 years, which includes principal, interest and processing.

Cash price Typical down payment Typical term Typical monthly payment
Under $10,000 $2,000 to $4,000 5 years About $95 to $190
$10,000 to $15,000 $3,000 to $5,000 5 to 7 years About $165 to $285
$15,000 and up 10% to 30% of the price 5 to 30 years Shown on each lot page

Our interest rate is typically 10% to 12%. Each lot page shows its exact terms before you reserve.

Is no-credit-check land rent-to-own?

No. You own the land from the day you close. The deed is recorded in your name at closing, and we hold a deed of trust until the balance is paid. With rent-to-own or a land contract, the seller keeps the deed until the last payment. With us, it is yours from the start.

What to check before you buy

Owning land is more than the payment. Every lot page lists what you need to plan for, and we will walk through any of it with you.

  • Access. How you reach the lot, and whether the road is county-maintained or private.
  • Utilities. Whether power, water and sewer are at the lot, at the road, or need a well and septic.
  • Rules. RV, mobile home and building rules for the community or county.
  • Property taxes. The most recent annual tax amount, which you pay as the owner.
  • Total cost. Down payment, monthly payment, and the number of months.

Where we have land

Most of our lots are in Texas, from East Texas lake communities to homesites near Lake Somerville. We also have land in Colorado, Oklahoma, Alabama, Tennessee and Washington. Looking for a specific use? Browse our RV lots for sale and mobile home lots, or see how our owner financing and monthly payments work.

Every Elegment listing includes

  • The cash price and, on financed lots, the down payment, monthly payment and number of months
  • GPS corner coordinates and a map link so you can walk the boundary yourself
  • Utilities, access and the rules for RVs and homes
  • The most recent annual property taxes
  • A deed recorded in your name at closing
  • Surveys and county plat maps when available

800+ buyers since 2016 · BBB A+ accredited · 40+ five-star Google reviews

What our buyers say

Flawless and Professional

My experience with this company was flawless. Andrew was very nice and professional.

RACHEL G.
Land Owner in Texas
Rated 5 out of 5 stars

Exceptional Service with a Friendly Touch!

They were very helpful and friendly throughout the whole process.

Pam Reed
Land Owner in Texas
Rated 5 out of 5 stars

No-credit-check land questions buyers ask us

Do you really not check credit?

Not on any lot we finance ourselves. We do not pull a credit report or ask for a credit score. If a lot page shows owner financing terms, it qualifies. Call or text us at 970-420-2440 with any questions.

How do I hold a lot?

Reserve it online with a $900 reservation fee. That secures the lot, and the full $900 counts toward your price or down payment. The fee is non-refundable, so call us with any questions before you reserve.

How much do I need to put down?

Typically 10% to 30% of the price. On our smaller lots, the down payment is usually a set dollar amount, often under $5,000.

What interest rate do you charge?

Our rate is typically 10% to 12%, depending on the Federal Reserve's benchmark rate. Each lot page shows the down payment, monthly payment and number of months, so you know the full schedule before you reserve.

Can I build or live on the land before it is paid off?

Yes. The deed is recorded in your name at closing, so you can build, place a home or park your RV and live on the land while you pay, as long as you follow the county rules and any restrictions for that lot.

Can I pay it off early?

Yes, at any time, with no prepayment penalty. When the balance is paid, we record a release of lien with the county.

Land in your name, without a credit check

No bank and no credit score standing between you and your own piece of land. Browse the lots that qualify, or call or text 970-420-2440 and tell us your budget. We will show you what fits.

Call or Text 970-420-2440