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RTO (Rent-To-Own) Overview

What It Is:
Rent-To-Own, or RTO, is a flexible payment option that allows customers to get their shed, garage, or other portable building delivered and installed without paying the full price upfront. Instead, they make affordable monthly payments until the balance is paid off — after which they own the building outright.

How It Works:

  1. Choose Your Building – Select the size, style, and options you want.

  2. Apply for RTO – Simple approval process with no credit check required.

  3. Make a Small Deposit – Usually just the first month’s payment (and sometimes a small security deposit).

  4. Make Monthly Payments – Pay over 24, 36, 48, or 60 months — whatever fits your budget.

  5. Own It at the End – Once all payments are made, the building is yours to keep.

Benefits of RTO:

  • No Credit Check – Approval is fast and easy.

  • Low Upfront Cost – Just a small payment gets your building delivered.

  • Flexible Terms – Choose from multiple payment lengths.

  • Early Payoff Option – Pay off anytime with no penalties.

  • Use While You Pay – Enjoy your building immediately while you’re making payments.

  • Same-as-Cash Option – Some programs include a 90-day same-as-cash period (no interest if paid off within 90 days).

Things to Keep in Mind:

  • The building remains the property of the RTO provider until fully paid off.

  • Late payments could result in repossession.

  • Total cost may be higher than paying cash due to rent fees or interest.

  • You can pay off early to save money overall.

HFS Financial – Home Improvement Financing Made Simple

At HFS Financial, their motto says it best — “You Dream It, We Finance It!” Whether you’re building a new garage, installing a pool, or tackling a major home improvement project, HFS helps make it happen with affordable, hassle-free financing.

HFS specializes in home improvement loans with quick approvals, competitive rates, and flexible terms — often up to 20 years. Their secure online application process makes it easy to pre-qualify without impacting your credit score, and funds are typically available in just a few days after approval.

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With HFS Financial, you can:

  • Pre-qualify in minutes — no credit impact.

  • Borrow up to $150,000 for your project.

  • Use the loan for any home improvement, from garages and sheds to remodels and backyard builds.

  • Enjoy fixed monthly payments and no hidden fees.

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HFS partners with trusted builders and contractors nationwide to help homeowners get the space they’ve been dreaming of without the stress of upfront costs.

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Apply today and turn your home improvement plans into reality with HFS Financial!

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