Make A Payment

General questions

Rent-To-Own or RTO, is a rental contract that allows you to pay rent for 2-5 years and own the building at the end of the contract.  The low up front cost makes it easy to get started. The monthly rental payments are kept low to fit your budget. After making the final rental payment, you take ownership of the building. It’s that easy!

RTO is a rental agreement with the option to purchase. It is not a loan. Therefore, there is no interest or principle. You are simply paying rent until you exercise the option to take ownership. At the time of payoff, part of your monthly payments paid are applied toward the purchase of the building. For example, on a 36 mo contract, 60% of your payments are applied toward the purchase.

Since this is a true rental contract,  there is no principal to apply extra money to. Extra money received will be applied to future payments.

No. The purchase option is a one-time, lump sum purchase of the building. If money is paid that is not the total purchase amount, it will be applied to future month’s rent.

There is a grace period given up to ten days after the due date. The payment must be postmarked or paid electronically that time or a late fee will be applied.

Other questions

We will come pick up our building if you fail to make your payments.

The contract on the building cannot be re-written or the monthly payment amount lowered. Call our office to ask about possible alternatives.

This is a rental contract. Therefore you are not entitled to a refund if you return the building.

Please notify our office that you are finished with the building and we will arrange for pickup.

Get in touch



Cardinal Leasing Logo

CARDINAL LEASING rent-to-owns sheds and portable buildings. We serve Southern Illinois and Southeastern Missouri.


Monday – Friday: 8am – 5pm
Saturday: By appointment
Sunday: Closed

Shop Equipment

We sell and finance shed equipment by the industries top brands.

©  Cardinal Leasing LLC. All rights reserved.