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RTO National

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RTO National is dedicated to the success of our dealers, customers and communities. Using cutting-edge technology, data, analytics, and support, They offer an industry-leading suite of products and services that allow our dealers to meet the needs of more customers faster and easily.

They are the largest provider of lease and installment contracts for backyard storage units, HVAC systems, boatlifts, carports, and tankless water heaters. Operating in the continental U.S., They partner with independent dealers of backyard sheds, carports, other structures, HVAC systems, tankless water heaters and boatlifts to provide the best solutions for our customers. RTO National’s strategy as our tag line relay is simple – to make our independent dealers successful and surpass both their expectations as well as our customers.

Do You Need A Deposit?

For leases, RTO National usually requires your first month’s rent in advance before the delivery or installation of your purchase.

For finance, They provide 100% financing with accepted credit.

When Do My Payments Begin?

Your first payment will be due 30 days after delivery or installation. By providing an extended period, They ensure that our customers have enough time to get their cash flow in order and get their account off to a good start.

Can You Buy The Unit After Entering Into A Lease Agreement With RTO National?

Yes, you can pay your contract at any time without any penalty. RTO National applies a discount to your lease contract based on the duration of your lease and the number of payments applicable. Please refer to the lease agreement to know in details.

RTO National
RTO National Image Source: BRIGHT+CO Marketers

Can You Pay My Installment Contract Quickly?

Yes, you can pay your contract at any time without any penalty.

If Something Happens And You No Longer Able To Pay Lease Then What To Do?

Lease contract is a month-to-month agreement. You can terminate your contract at any time you want. Just call us and They will set a convenient time to retrieve the unit.

Do You Report To Credit Agencies?

Your lease agreement is a monthly lease contract. They do not report to credit agencies. Credit reports are not requested or reviewed to determine eligibility.

They report to credit agencies for both short-term and long-term finance applications.

Do I Have To Wait For Approval To Participate?

They provide immediate approval with the completion of all lessor information and the receipt of your initial payment with a credit card or cheque.

The same goes for finances as well when you get an immediate acceptance status online or in person.

What Are The Options Are There To Make A Monthly Payment?

They have a many convenient ways to make your monthly payment.

24/7 Ways to pay:

  • Online credit cards through our secure customer payment portal
  • Credit cards via phone with our automated payment system
  • PayNearMe Location (Lease)
  • money order
  • Auto Draft
  • Check by mail
  • Talk to a customer payment expert by calling (877) 577-2034 during business hours

If you don’t have your own account number and you would like to pay by phone or online, please email customer service to and they will provide your account number.

Why Buy A Liability Damage Discount?

As part of your lease, if something happens to your unit, you are responsible for completing your lease contract. Liability damage waver or LDW covers the amount outstanding on the unit under these circumstances. It’s a great way to get the protection you need without any cuts.


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