Rent-to-Own — No Credit Check
Our partnership with AFG lets you rent the building now and own it completely at the end of your contract. It beats renting storage space you never keep, and unlike traditional financing there's no credit check — almost everyone qualifies, and every payment goes toward something you'll actually own.
How It Works
Choose your building
Pick an in-stock shed or design your own — almost any Summit Structures building qualifies.
Apply & make your first payment
A simple application with no credit check. Pay a deposit where applicable plus your initial payment — approval is usually quick and easy.
Sign & we deliver
Sign your month-to-month rental agreement and we deliver the building straight to you.
The Details
No Credit Check
Through our partner AFG, no credit score is used to determine eligibility — almost everyone qualifies.
Flexible Terms
Choose 24, 36, 48, or 60-month payment plans to fit your budget.
Early Pay Off Discount
Pay the remaining balance in full at any time and receive an Early Pay Off (EPO) discount — never a penalty.
Cancel Anytime
It's month-to-month. Call to have the building picked up and your payments stop — and canceling won't hurt your credit.
Payments Build Ownership
A portion of every payment goes toward the purchase price. Complete the term and the building is yours.
Up to 3 Units
Up to 3 rent-to-own items per household, or $30,000 total — whichever is greater. Units at the same address count as one household.
Good to Know
As with any contract where you pay over time, the total cost is higher than the cash price. There's no interest rate or finance charge — the extra charges are rental fees assessed at the start of the agreement.
Payments are due on the date you select — either the 1st or the 15th of each month. Late payments may be subject to a late charge, so pay on time to avoid having your building picked up.
We recommend making only the required first month's payment and a security deposit, then paying each month while saving to pay the contract off in full and earn the Early Pay Off discount.
An RTO contract is an executory contract; should it become a financial burden, you may be relieved of it by returning the item per your Rental Purchase Agreement, with no further charges. Prefer traditional financing? We also offer several bank financing options with rates starting as low as 7.99%.