Flexible ways to pay for your new structure.
Rent-to-Own with no credit check, or traditional financing with competitive rates. Find the payment plan that works for your budget.
Payment Programs
Three ways to get your structure.
RTO National Rent-to-Own
Flexible terms, no credit check
Rent your structure with the option to purchase at any time. No credit check, no long-term commitment. Flexible agreement terms through a trusted nationwide provider.
- No credit check required
- Flexible rental terms
- Option to purchase anytime
- Quick approval (same day)
- Nationwide provider
SmartPay Rent-to-Own
Lower monthly payments, 90 days same as cash
Our most popular option. Enjoy lower monthly payments with 90 days same as cash. No credit check needed — get approved and get your structure fast.
- No credit check required
- Lower monthly payments
- 90 days same as cash
- Option to purchase anytime
- Flexible agreement terms
RTO National Financing
Traditional financing, immediate ownership
Traditional financing with competitive rates. You own the structure from day one. Requires a credit check, but offers the lowest total cost over the life of the agreement.
- Competitive interest rates
- Immediate ownership
- Lowest total cost
- Fixed monthly payments
- Terms up to 7 years
Side-by-Side
Compare all three programs.
| Feature | Rent-to-Own | SmartPay Rent-to-Own | Financing |
|---|---|---|---|
| Credit Check | None | None | Required |
| Approval Time | Same Day | Same Day | 1–2 Business Days |
| Ownership | Option to Buy | Option to Buy | Immediate |
| Total Cost | Higher | Moderate | Lowest |
| Early Buyout | Anytime | 90 Days Same as Cash | N/A |
| Special Offers | — | 90 Days Same as Cash | — |
Not Sure?
Help me choose.
Answer three quick questions and we’ll recommend the best payment option for your situation.
Are you comfortable with a credit check?
Common Questions
Payment FAQs
Ready to Get Started?
Your new structure is closer than you think.
No credit check needed for Rent-to-Own. Apply today and have your structure delivered in weeks.