Payment Options
Multiple Payment Solutions for Every Budget
We partner with trusted financial companies to offer rent-to-own and traditional financing options. Choose the solution that best fits your budget and credit situation.
RTO National Rent-to-Own
Flexible rental program with option to purchase
Best For:
- Prefer not to commit to a large purchase
- Want the option to own eventually
- Like having payment flexibility
- No credit or poor credit history
Key Benefits:
- 12 months same as cash
- No credit check required
- Flexible payment options
- Option to purchase anytime
Download this information as a handout:
SmartPay Rent-to-Own
Flexible rental program with option to own
Best For:
- No credit or poor credit history
- Want to start your project soon
- Prefer manageable monthly payments
Key Benefits:
- No credit check required
- Lower monthly payments
- Quick approval process
- Option to purchase anytime
RTO National Traditional Financing
Traditional financing with competitive rates
Best For:
- Good to excellent credit
- Want to build credit history
- Prefer lower total cost
- Traditional ownership path
Key Benefits:
- Competitive interest rates
- Build credit history
- Immediate ownership
- Lower total cost over time
Help Me Choose
Answer a few quick questions to find your ideal payment option
What best describes your credit situation?
Quick Comparison
| Feature | SmartPay Rent-to-Own | RTO National Rent-to-Own | RTO National Financing |
|---|---|---|---|
| Credit Check | No credit check | No credit check | Credit check required |
| Approval Time | Minutes | Minutes | Same day |
| Ownership | After final payment | After final payment | Immediate |
| Total Cost | Higher (rent premium) | Higher (rent premium) | Lower (interest only) |
| Return Option | Yes, anytime | Yes, anytime | No |
| Special Offers | Standard terms | 12 months same as cash | Competitive rates |
Frequently Asked Questions
What's the difference between rent-to-own and financing?
Rent-to-own means you rent the structure with an option to purchase later, while financing means you own the structure immediately and pay it off over time with interest.
Which option is cheaper overall?
Traditional financing typically costs less over time due to lower interest rates. Rent-to-own has higher total costs but offers more flexibility.
How long does the application process take?
Rent-to-own applications are typically approved within minutes to hours. Traditional financing may take 1-2 business days for approval.
What if my application is denied?
If denied for traditional financing, rent-to-own options are often still available as they require no credit check.
Can I pay off my rent-to-own early?
Yes! Both SmartPay and RTO National offer early purchase options. RTO National currently has a special 12 months same as cash offer.
What happens if I can't make a payment?
Contact your provider immediately. Rent-to-own programs offer more flexibility, while financing may have stricter terms. Communication is key.
Do I need insurance on my structure?
Insurance requirements vary by program. Traditional financing typically requires insurance, while rent-to-own programs may include coverage or have different requirements.
Can I modify or customize my structure?
With financing, you own it immediately and can modify as desired. With rent-to-own, modifications may require approval until you complete the purchase.
