Rent-to-own gets explained badly a lot of the time, usually because whoever is explaining it does not want to say the numbers out loud. So here are the numbers.
The actual terms
We write rent-to-own agreements from 24 months up to 60 months. There is no credit check, so your score is not part of the conversation and applying does not touch your credit. The deposit is your first two months of payment. Our lowest payment is $75.44 a month, which is a 6×8 on a 60 month term. Bigger buildings and shorter terms cost more per month, and a shorter term always means you pay less overall.
There is no early payoff penalty
This is the part worth understanding. We do not offer an early payoff discount, but there is no fee and no penalty for paying it off ahead of schedule. If you take a 60 month agreement to keep the monthly payment low and then pay it off in year two because your situation changed, that is completely fine and it costs you nothing extra to do it.
That makes the long term the safer default for most people. Take the low payment, keep your flexibility, and clear it early if you can.
Rent-to-own versus financing
Rent-to-own is the right tool if your credit is rough, if you do not want a bank involved, or if you want to be approved today without a hard inquiry. Traditional financing is usually the cheaper tool if your credit is decent, because our lending partners offer terms including 12 months at 0% APR and longer 7 to 15 year terms, with no money down available with approved credit and rates starting as low as 7.99%. Approvals are possible with scores as low as 550, and the pre-qualification is a soft pull that does not hurt your score.
Our financing page lays out both paths side by side. If you are not sure which one fits, call 618-518-5578 and just ask. We will tell you which one you are better off in even when it is the one that pays us slower.
What you are getting for that payment
Not a plastic box. Every Cardinal building comes with our 10 year guarantee covering acts of nature such as storm damage and settling, plus our craftsmanship, and if something is covered we repair or replace it. The LP SmartSide siding carries a 50 year warranty and the AdvanTech floor carries a lifetime warranty, and we handle those claims for you rather than sending you off to fight the manufacturer.
Getting one to Benton
We deliver throughout Franklin County. Deliveries run Monday through Friday, not Saturdays, and we call ahead to schedule. Have a level spot ready, ideally a gravel pad about a foot larger than the building, with two feet of clearance past the building width along the whole path and roughly 13 feet overhead. The rest is on our delivery prep page.
Get Started on Your Benton Building
You do not have to drive to a lot to get moving. Use our 3D Shed Builder to pick your size, siding, colors, doors, windows and add-ons and see the building take shape on screen. When it looks right, send it to us and we will confirm pricing and a delivery date for Benton.
Prefer to talk it through? Call our main office at 618-518-5578. We will walk you through building styles, custom options and rent-to-own and financing, and answer anything on our FAQ page. You can also see what we serve nearby on our location page.
Close to home: our main shop, office and display lot are in Harrisburg — see hours, directions and local sales contact on our Harrisburg, IL location page, or call Whitney directly at 618-499-1161.
