Frequently Asked Questions

Do you require a deposit?

For Lease, RTO National typically requires your first month’s rent in advance prior to delivery or installation of your purchase.

For Finance, we offer 100% financing with approved credit.

When do my payments begin?

Customers pay an initial payment to the dealer on the day the contract is signed which will include the first monthly payment, one-time administrative fee, tax, and security deposit (if applicable). The next monthly payment is due 30 days after delivery and is paid directly to RTO National.

Can I purchase the unit after I have entered a Lease Agreement with RTO National?

Yes, you can pay off your contract at any time with no penalties. RTO National applies a discount to your Lease Agreement based on the term of your Lease and the number of applied payments. Please refer to your Lease Agreement for details.

Can I pay off my installment contract early?

Yes, you can pay off your contract at any time with no penalties.

I have a Lease Agreement with RTO National – what if something happens and I am no longer able to make my Lease payments?

A Lease Contract is a month-to-month Agreement. You can terminate your contract at any time. Just call us and we will schedule a convenient time to retrieve the unit.

Do you report to credit agencies?

Your Lease Agreement is a monthly Lease Contract. We do not report to credit agencies. Credit reports are not requested or reviewed to determine eligibility.

We report to credit agencies for both short-term and long-term Finance applications.

Do I have to wait for an approval to participate?

We provide instant approval with completion of all leasee information and receipt of your initial payment with a credit card or check.

Same goes for Finance when you receive instant approval status online or in-person.

What are my options for making monthly payments?

We have several convenient ways to make your monthly payments.

Ways to Pay 24/7:

  • Credit card online through our secure Customer Payment Portal
  • Credit card via phone with our Automated Payment System
    • (703) 857-4385 (Lease)
    • (866) 983-6900 (Finance)

Additional Ways to Pay:

  • PayNearMe locations (Lease)
  • Money Order
  • Auto-Draft
  • Check by mail
  • Speak with a Customer Payment Specialist by calling (877) 577-2034 during business hours

If you do not have your account number and would like to pay by phone or online, please email Customer Service at and they will provide your account number.

Why purchase a Liability Damage Waiver?

As part of your Lease, you are responsible for completing your Lease Agreement if something happens to your unit. The Liability Damage Waiver or LDW covers the remaining amount owed on the unit under these circumstances. This is a great way to get the protection you need with no deductible.