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Payment Plans for Your New Carport, Garage, or Barn

Everyone deserves a quality product at an affordable price, which is why we’ve partnered with RTO National to get you the best possible rental and financing options. We want you to get your new carport, garage, whatever it may be, without hurting your wallet.

Visit this link for more information on RTO National and get started today. You'll be one step closer to enjoying your new metal building or structure!

RTO National logo

RTO National is a leading provider of rental and financing solutions for backyard storage and products. They specialize in general financing to help customers like you find the best option available.


When you finance through RTO, you'll have access to a number of benefits including:

  • 100% financing with approved credit ($0 down payment) on carports, garages, and barns.
  • Rates as low as 9.99% with approved credit.
  • 12-, 24-, 36-, 48-, and 60-month terms.
  • 60 months available if amount financed is greater than $8,000. Maximum term varies based on amount financed.
  • Instant approval or denial with our online portal. No waiting.

* Verifiable income – In certain cases we may require proof of income if credit score is low or reported income does not match credit report.

** Verifiable home ownership – You must be a homeowner with verifiable proof of home ownership to finance a metal building or structure.

Q: Do you require a deposit?

A: RTO Finance offers 100% financing with approved credit—No deposit required.

Q: When do my payments start?

A: Your first payment is due on the 5th of the month following delivery of your building. You’ll receive a payment coupon book in the mail to use for all future payments.

Q: Can I pay off my installment contract early?

A: You can pay off your contract at any time with no penalties.

Q: Do I have to wait for an approval to participate?

A: Most customers receive a response within minutes of applying.

Q: What are my options for making monthly payments?

A: You’ll receive a coupon book within a couple of weeks from the delivery of your building. You can mail a check or money order to our processing center, call customer support and pay with a credit or debit card or check by phone, or you can pay online. We also provide automatic draft payment options.


24-, 36-, and 48-month terms available

Minimum contract amount of $1,000 up to $8,000

  • Three payments due at time of lease: One payment for first month's lease plus two for deposit.
  • Customer must be a landowner.
  • Proof that payment is less than 25% of monthly net income is required.
  • Legible, valid driver's license is required.
  • Pay over time for the Newmart building you want, up to $8,000.
  • Your credit will not be impacted (better still, you don't even need credit – it's not required for FlexLease!)
  • Online application is available and approval is instant, as well as guaranteed, if you meet basic criteria.
  • FlexLease is not a loan and our program is not a credit card. RTO National purchases the unit from Newmart and then leases it to you.
  • No credit is needed and this is your most flexible path to ownership.
  • You have options for early buyout, cancellation or upgrade in addition to ownership.
  • Land ownership is required.
  • Low Payment options available.