Get the building you need today. RTO requires no credit check, no balloon payments, and no prepayment penalties. Flexible terms from 36 to 60 months.
RTO is the most popular payment option for our customers. No credit check, no bank involvement. Pay monthly, own it outright at the end of the term. Cancel anytime — we pick it up.
Estimate your monthly payment. Enter the building price and choose your term.
| Feature | Benchmark RTO | Bank Loan |
|---|---|---|
| Credit Check | No | Yes — affects credit score |
| Approval Time | Same day | Days to weeks |
| Down Payment | First month only | 10-20% typical |
| Early Payoff | No penalty | May have penalties |
| Return Option | Yes — we pick it up | No — you still owe |
| Available on | All buildings | Varies by lender |
Contact us, design your building online, or request a quote — we'll handle the rest.