Rent To Own

Rent To Own Sheds, Garages, and Cabins in Michigan (No Credit Check)

Our Rent To Own program is a Rental-Purchase Agreement that lets you get a fully built portable storage building delivered to your property with an easy monthly rental payment. It’s designed to be simple: no traditional credit check, fast approvals, and flexible options if your storage needs change.

Quick summary

  • No Credit Check: no formal credit score required (we may review past payment or transaction history).
  • Up to $25,000: Rent To Own available on eligible buildings up to a $25,000 cash price.
  • First month payment due to order: your first monthly rental payment is due when you place the order.
  • Next payment after delivery: your next payment is typically due about one month after your building is delivered.
  • In-stock or custom: available on in-stock buildings and new/custom builds.
  • Return option: you can terminate the agreement at any time by returning the building (or arranging return). If you terminate and your account is current, you are not responsible for remaining payments other than amounts due as of the termination date.

How Rent To Own works

  1. Choose your building (in-stock for faster delivery or custom-built to your preferences).
  2. Select a term (24, 36, 48, or 60 months).
  3. Place your order with the first month payment.
  4. We deliver the building to your property.
  5. Make monthly rental payments. You can also choose an Early Purchase Option (EPO) to buy early.

Ownership is optional

With a Rental-Purchase Agreement, you do not acquire ownership or equity in the building until you have paid the total amount necessary to own it (not including taxes or fees) or you exercise an Early Purchase Option (EPO). If you complete the total of payments and otherwise comply with the agreement, you acquire ownership and receive a paid receipt.

Extra Upfront Payment (Optional)

You may choose to make an extra upfront payment at the start (often called a Customer Reserve Account (CRA) in agreements). This reduces the rent portion used to calculate your monthly payment and can lower your monthly payment amount. If the property is returned or retrieved, CRA funds are typically returned minus any amount due as of the date of return.

Why customers like Rent To Own (especially vs. self storage)

  • Storage at home: access your things anytime, no driving to a storage unit.
  • Temporary storage-friendly: great for renovations, moving, seasonal items, or job site needs.
  • Flexible: return the building if you don’t need it anymore (no long-term storage unit contract).
  • Option to own: you can keep renting, buy early, or complete the term and own it.

Optional LDW (Liability Damage Waiver)

LDW is optional coverage that can reduce your responsibility for certain types of loss or damage to the property from events like fire, storm, flood, or other Acts of God, if you are current on payments. LDW does not cover loss or damage due to willful acts or gross negligence, and does not cover mysterious disappearance or theft.

Use the calculator below to see estimated monthly payments (pre-tax), compare terms, and estimate an Early Purchase Option.

Rent To Own Calculator

Enter your building subtotal and optional CRA to see estimated RTO payments (pre-tax).

Inputs

Any extra amount paid at the start is applied to the contract via Customer Reserve Account "CRA" and lowers your monthly payment.
All pricing shown is pre-tax. If selected, LDW is included in the monthly payment amount shown above (but not in the small print or EPO calculations).
CRA reduces the rent portion used in the base calculation: (Cash Price − CRA) ÷ Divisor.

Monthly Payment Options (Pre-Tax)

24 Month RTO
$0.00 / Month (pre-tax)
36 Month RTO
$0.00 / Month (pre-tax)
48 Month RTO
$0.00 / Month (pre-tax)
60 Month RTO
$0.00 / Month (pre-tax)
Divisors used: 24 = 16.8, 36 = 21.6, 48 = 24, 60 = 27
1st Month Payment Due To Order
Your first monthly payment is due when you place your order. Your next payment will be due approximately one month after your building is delivered.

Early Purchase Option (EPO) Estimator

How this estimate works (pre-tax):
A portion of each payment is credited toward the cash price: 24 mo = 70%, 36 mo = 60%, 48 mo = 50%, 60 mo = 45%.
LDW is optional and excluded from EPO calculations.
This estimates the remaining payoff balance based on your payment count and EPO credit percentages.
24 Mo Estimated EPO Balance
$0.00
36 Mo Estimated EPO Balance
$0.00
48 Mo Estimated EPO Balance
$0.00
60 Mo Estimated EPO Balance
$0.00
Estimated EPO Balance = Cash Price − (Base Monthly × EPO% × Payments Made)

Important Details

*This advertised transaction is a rental-purchase agreement (RTO). The total of all payments does not include taxes, optional fees, or other charges (e.g., late fees). You do not acquire ownership or equity in the merchandise until you have paid the total amount necessary to own it or exercised your early purchase option (EPO). By choosing the EPO, you may reduce your overall cost. Ownership is optional. “No Credit Needed” means no formal credit score is required; however, we may review your past payment or transaction history. Delivery fees may apply. Free Delivery is limited to new standard-sized buildings in Zone 1; additional charges may apply for oversized or challenging deliveries. Advertised rates and terms apply to new merchandise in Michigan only; some exclusions may apply. See store or visit our website for full details: Rent-to-Own information.

Small print examples exclude optional LDW.

24 Month RTO Payment = $0.00 / month (pre-tax), Total Of 24 Payments (pre-tax) = $0.00, RTO Cost If All 24 Payments (pre-tax) = $0.00

36 Month RTO Payment = $0.00 / month (pre-tax), Total Of 36 Payments (pre-tax) = $0.00, RTO Cost If All 36 Payments (pre-tax) = $0.00

48 Month RTO Payment = $0.00 / month (pre-tax), Total Of 48 Payments (pre-tax) = $0.00, RTO Cost If All 48 Payments (pre-tax) = $0.00

60 Month RTO Payment = $0.00 / month (pre-tax), Total Of 60 Payments (pre-tax) = $0.00, RTO Cost If All 60 Payments (pre-tax) = $0.00

Rent To Own FAQ

Is this a credit check?
No traditional credit check is required. “No Credit Needed” means no formal credit score is required; however, past payment or transaction history may be reviewed.
How much is due to place an order?
Your first month payment is due when you place your order. Your next payment is typically due about one month after the building is delivered.
Can I use Rent To Own for in-stock buildings and custom builds?
Yes. Rent To Own is available on eligible in-stock buildings and new/custom builds.
What does “ownership is optional” mean?
This is a Rental-Purchase Agreement. You do not acquire ownership or equity until you pay the total amount necessary to own the building (or exercise an Early Purchase Option) and otherwise comply with the agreement.
Can I return the building if I don’t need it anymore?
Yes. You can terminate the agreement at any time by returning the building (or arranging return). If your account is current, you are not responsible for remaining payments other than amounts due as of the termination date. The building must be returned in the same condition as delivered, normal wear and tear excepted.
What is an Extra Upfront Payment (CRA) and how does it help?
An extra upfront payment (often called a Customer Reserve Account (CRA)) reduces the rent portion used to calculate your monthly payment, which can lower your monthly payment amount. CRA funds may be applied to an Early Purchase Option, and if the property is returned or retrieved, CRA is typically returned minus any amount due at return.
Does the calculator include tax and optional fees?
The calculator displays pre-tax estimates. Optional items like LDW are shown separately or clearly identified when selected.
Is Rent To Own better than a self storage unit?
For many customers, yes. With Rent To Own, the building is on your property, you have 24/7 access, and you have the option to own it. It’s also a great fit for temporary storage needs because you can return the building if you no longer need it.