Phone – 270-558-4936
Address – Scott’s RTO, LLC
PO Box 100
Melber, KY 42069
If you have any questions Contact Us
Scott’s RTO website
Payment portal
Payment Calculator
A Lease Purchase allows you to make a lease payment for the convenience of a building
on your property. You own the building after making a series of payments ranging from
24‐54 months, depending on your budget.
Which sheds can I lease purchase?
Any shed a shed dealer has wood, vinyl, metal, We also offer lease purchase for carports, steel buildings and steel garages, for specifics click on the lease purchase button or you can fill out the contact form and leave a detailed message. (note; You do have to buy a shed through the shed dealer that has the building or product for this lease to purchase option.
How does the Lease Purchase compare to Rent to Own?
Sometimes called rent to own, the Lease Purchase has the goal of ownership after the
payments are completed. The J Money Lease Purchase results in ownership for over
95% of our customers.
How does a Lease Purchase compare to a storage unit?
Similar to a storage unit, you make a lease payment for a specified period of time.
Unlike a storage unit, the building is located on your property, and it is yours upon
completion of the payments!
What if I no longer need the building, I am moving, or the payment no longer fits my budget?
No problem. We will come pick up the building with no impact on your credit. It’s a
lease, not a loan.
What does it take to get started with a Lease Purchase?
Find a building and payment plan that fits your situation. Complete the online Lease
Purchase forms or complete the forms with your dealer. Make the initial payment. The
initial payment requirement can be as low as two payments. The first monthly payment
and a security deposit equal to one payment are due up front.
The payment will vary depending on the cost of the building, the length of the lease, the
tax rate in your county and other factors. See our payment calculator:
Is there an interest rate on a Lease Purchase?
No. Similar to leasing a storage unit or an apartment, there is no interest rate. This is a
lease, not a loan. Different from most leasing plans, you will own the building at the end
of the lease.
Can I pay the Lease off early or pay ahead?
Yes, early payoffs in full can be made anytime. Extra payments that do not pay off the
lease in full will be held in a reserve account to be used toward the full payoff.
The first payment is due in 30 days after the building is delivered and monthly
thereafter. You will receive a monthly invoice by mail and email.
Automatic ACH payments are the most advantageous. However, checks, money orders
and credit/debit cards are also accepted by mail, phone or at our online payment portal.
