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Browse our network of trusted rent-to-own shed dealers. All dealers offer no-credit-check rental-purchase agreements with flexible term options.
$0 down lease options available. Submit applications online or in-store. Customer payment portal at rtonational.com.
No credit check. Dealer-focused with dedicated account reps. Includes Shed Connect digital marketing tools for dealers.
30+ combined years of RTO experience. Partners with manufacturers and dealers nationwide. Affordable path to ownership with no credit check.
Security deposit refundable upon agreement completion. No interest — rental-purchase agreements only. Partners with ShedHub marketplace.
Offers online payment management for customers with active agreements. Account login with last name and contract number.
Since 2009. No credit check RTO available. Custom sizes 8×8 to 16×48. 4.6-star rated. Use the 3D designer to customize your building online.
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List Your Dealership →What is rent-to-own?
Rent-to-own lets you get a shed, garage, cabin, or portable building delivered to your property with only your first monthly payment due at the time you order. There is no credit check required.
A rent-to-own agreement — also called a rental-purchase agreement — is not a loan and not traditional financing. You are renting the building month to month. If you make all the required payments through the full term of the agreement, you own the building at the end. If you decide at any point that you no longer need the building, you can return it and stop making payments.
How to qualify
Qualifying for rent-to-own is straightforward. There is no credit check. General requirements are:
- ✓ Be at least 18 years old
- ✓ Have a valid ID
- ✓ Provide basic contact and delivery address information
- ✓ Be able to make the first monthly rental payment (the Initial Payment)
- ✓ Have a suitable delivery location at your property
How payments work
Your Initial Payment — the first month's rental payment — is what gets your order started. Do not think of this as a "down payment." It is simply your first month's rent.
Your next payment is typically due about one month after your building is delivered. For example, if you order on June 1 and your building arrives June 20, your next monthly payment would be due around July 20.
What makes up your monthly payment
Understanding your term options
You can choose from four rental term lengths. Shorter terms have higher monthly payments but lower total cost. Longer terms have lower monthly payments but higher total cost if you complete the full term.
| Term | Divisor | Monthly rent on $5,400 bldg | Total rental cost | Best for |
|---|---|---|---|---|
| 24 months | 16.8 | $321/mo | $7,714 | Lowest total cost |
| 36 months | 21.6 | $250/mo | $9,000 | Middle ground |
| 48 months | 24.0 | $225/mo | $10,800 | Lower payment |
| 60 months | 27.0 | $200/mo | $12,000 | Lowest monthly payment |
Example based on $5,400 building subtotal. Amounts before tax, optional LDW, and delivery. The total rental cost is higher than the cash price — this is normal for rent-to-own agreements and should be understood before signing.
Early Purchase Option (EPO)
At any time during your rental term, you have the option to buy the building early. This is called the Early Purchase Option, or EPO. A portion of your base monthly rent payments already made is credited toward the cash price.
| Term | Credit toward cash price | Example (10 payments on $5,400 / 60-mo) |
|---|---|---|
| 24 months | 70% of base rent paid | $1,400 × 70% = $980 credit → $4,420 buyout |
| 36 months | 60% of base rent paid | $2,500 × 60% = $1,500 credit → $3,900 buyout |
| 48 months | 50% of base rent paid | $2,250 × 50% = $1,125 credit → $4,275 buyout |
| 60 months | 45% of base rent paid | $2,000 × 45% = $900 credit → $4,500 buyout |
Returning the building
One of the key differences between rent-to-own and a loan is that you are not locked in. If you decide you no longer want or need the building, you can return it. This is one of the major consumer benefits of a rental-purchase agreement.
RTO vs. buying outright
✓ Advantages of rent-to-own
- No credit check required
- Low initial payment to order
- Can return building if circumstances change
- Flexible term options
- Building delivered and set up for you
⚠ Considerations
- Total cost is higher than paying cash
- You don't own it until all payments are made
- Monthly obligation for the term
- Cash purchase always has the lowest total cost
Common questions
No. Rent-to-own is a rental-purchase agreement, not a loan or traditional financing. There is no credit check, no loan application, and no credit approval process. You are renting the building on a month-to-month basis with the option to own it at the end.
You need to be at least 18, provide basic contact and delivery information, and make your first monthly rental payment — what we call the Initial Payment. There is no credit check or approval process.
Yes. You can use the Early Purchase Option (EPO) to buy out your agreement early. A percentage of your base rent payments already made will be credited toward the cash price. The credit percentage depends on your term length.
Contact your rent-to-own provider as soon as possible. Agreements vary, but late fees may apply. Because it is a rental agreement, failure to pay can result in the building being retrieved.
Generally yes, but you typically need to contact your rent-to-own provider first and use an authorized dealer for the move. You are responsible for moving costs.
Liability Damage Waiver (LDW) is optional coverage that can reduce your responsibility for certain types of loss or damage — such as fire, storm, flood, or other events — if you are current on payments. LDW does not cover willful damage, gross negligence, mysterious disappearance, or theft. It is listed separately from your monthly rent.
Because rent-to-own is not a loan or credit transaction, it typically does not involve a credit check or affect your credit score. Check with your specific provider for details.
Rent-to-own provides the ability to get a building with a much lower upfront payment and no credit check. The trade-off is that the total rental cost over the full term is higher than paying cash upfront. Paying cash will always result in the lowest total cost. This is normal and expected for rental-purchase agreements.
Calculate Your RTO Payment
Enter your building details below to see estimated monthly payments for all term options, including Michigan tax and optional LDW.
RTO Payment Estimator
All estimates use the official rental-purchase divisors. Not a loan — no credit check.
Enter a building price above to see estimates. All amounts are estimates before applicable tax, optional LDW, and delivery fees. This is a rental-purchase agreement, not a loan or credit transaction.
Early Purchase Option Estimator
Want to buy out your agreement early? See your estimated early purchase amount based on payments already made.
Estimated only. Actual EPO amount is determined by your signed agreement. Contact your rent-to-own provider for the exact buyout amount.
📌 Remember: Correct RTO terminology
Rental-purchase agreement
Initial Payment
Monthly rental payment
Early Purchase Option
No credit check
Financing / Loan
Interest / APR
Deposit
Credit approval
Principal balance
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Pay your monthly rental payment securely online. ACH bank payments and credit/debit cards accepted.
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Secure Payment Portal
Rent To Own Sheds Inc. — Customer Payments
Managed by Upward Management Group
By clicking "Agree & Continue to Payment" below, you confirm that you are a current Rent To Own Sheds Inc. customer with an active rental-purchase agreement, and that you are making a payment on that agreement. This payment portal is powered by RTO Pro Web Pay and opens in a new tab.
Rent-to-own is a rental-purchase agreement, not a loan or credit transaction. Payments made here are applied to your rental agreement. For questions about your account balance, Early Purchase Option, or agreement terms, contact us at Office@RentToOwnSheds.com or call (877) 906-5717.
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