Customers

Purchase the product you want,
at a payment that's right for your budget!

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Lease

Pay over time for the things you need, exclusively through RTO National.

There’s no credit check and no penalty for early buyout or cancellation.

This is your most flexible path to ownership.

Learn More
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Financing

Starting at zero down with fixed payments and fixed APR.

Instant approval status online or in-person.

Lowest total cost of ownership.

Learn More
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Customer Success Plans

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Liability Damage Waiver

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Lease

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Lease

Pay over time for the things you need, exclusively through RTO National.

There’s no credit check and no penalty for early buyout or cancellation.

This is your most flexible path to ownership.

Learn More
1

Find The Shed Or Other Backyard Product You Want Or Need.

Shop with any RTO National Dealer Partner or visit BackYardStorage.com to get matched with the certified, pre-leased unit or custom building that’s right for you.

2

Submit A Lease Application Online Or In-Store.

Your credit will not be impacted (better still, you don’t even need credit – it’s not required for Lease!) and approval is instant, as well as guaranteed, if you meet the basic criteria.

Lease is not a loan and our program is not a credit card. We purchase the unit from the participating retailer and then lease the product to you.

3

Pay Over Time. See your activity and make easy payments at our member site.

Ways to Pay 24/7:

  • Online in the Customer Payment Center
  • Via Phone with our Automated Payment System

Additional Ways to Pay:

  • PayNearMe locations
  • Money Order
  • Mailed-in Check

    PO Box 669138
    Dallas, TX 75266-9138

  • Speak with a Customer Payment Specialist

Short-Term & Long-Term Finance

Icon: piggy bank

Financing

Starting at zero down with fixed payments and fixed APR.

Instant approval status online or in-person.

Lowest total cost of ownership.

Learn More
1

Find The Shed Or Other Backyard Product You Want Or Need.

Shop with any RTO National Dealer Partner or visit BackYardStorage.com to get matched with the certified, pre-leased unit or custom building that’s right for you.

2

Submit A Finance Application Online Or In-Store and Get Approved.

You’ll receive a near-instant response. You can then proceed with financing the storage solution you want or with one click, complete a Lease Agreement.

Your repayment plan features a fixed number of payments at a fixed APR.

3

Pay Over Time. See your activity and make easy payments at our member site.

Ways to Pay 24/7:

  • Online in the Customer Payment Center

Additional Ways to Pay:

  • Money Order
  • Auto draft
  • Mailed-in Check

    PO Box 746497
    Atlanta, GA 30374-6497

  • Speak with a Customer Payment Specialist by calling (866) 983-6900 during business hours.
RTO Finance LLC is licensed in the state of Maryland under NMLS Unique Identifier 1422520. Verification of licensure can be completed at http://www.nmlsconsumeraccess.org/.
RTO Finance LLC holds a Consumer Credit License from the state of Alabama. Click here to view a copy of our license.