Rent to Own
Get Your Building Today. Pay for It on Your Schedule.
Our rent-to-own program lets you enjoy your building today and make predictable monthly payments later — without a hefty upfront check. You pick the structure, we deliver and install, and you pay it off over time.
Manufacturer-direct pricing, transparent terms, warranty-backed quality, and no early-payoff penalty. It's the easiest way to put a TOL building on your land this month.
- Family-Owned Manufacturer
- Limited Lifetime Warranty
- 90-Day Workmanship
- East Coast Installs
EZ PAY Rent-to-Own
EZ PAY makes it simple to bring your project to life — without paying for everything at once. You get a fast application, a clear payment schedule, and a path to outright ownership.
- Fast, simple application process
- Low monthly payments on popular structures
- Clear ownership path after final payment
- No early-payoff penalty
- Plans designed to fit your monthly budget
- Manufacturer-direct pricing on every build
Terms and availability are determined by the RTO provider and may vary by state and program.
Skip the savings wait. Build this month.
Most customers move from application to installation in a matter of days. Pick a building, apply, schedule delivery — done.
From application to installation in 4 simple steps
Our rent-to-own program is built around simplicity. Here's exactly what to expect when you apply.
- Step 1
Choose your building
Pick a metal garage, carport, barn, workshop, commercial structure, or fully custom build that fits your project.
- Step 2
Apply for EZ PAY RTO
Submit a fast online or in-person application — no hard credit checks required.
- Step 3
Schedule delivery & installation
Once approved, make a small down payment, lock in your install date, and start your on-site prep.
- Step 4
Enjoy warranty-backed support
Every TOL building is backed by our Limited Lifetime Warranty and 90-Day Workmanship guarantee.
Flexibility, ownership, and peace of mind.
Rent-to-own gives you the building you want now, spreads out the cost, and still delivers warranty-backed quality. The biggest benefits include:
Low Upfront Cost
Get started with a small down payment instead of paying for the full building up front.
Fast Path to Install
Apply, get approved, and lock in your installation date — often within days, not weeks.
Ownership After Final Payment
Pay it off on schedule and the building is 100% yours — with no early-payoff penalty.
Works on Popular Structures
Garages, carports, barns, workshops, and many custom builds qualify for rent-to-own.
Customer-Friendly Process
A simple, transparent application designed to make getting your building stress-free.
Backed by Our Warranty
Every RTO building is covered by our Limited Lifetime + 90-Day Workmanship Warranty.
Installed in Eligible States
We proudly serve customers across the East Coast in approved RTO states.
Predictable Monthly Payments
Fixed monthly plans help you budget with confidence — no surprise rate hikes.
Built right. Backed for life. Installed by experts.
What does Top of the Line Buildings bring to the table that others don't or can't? A manufacturer-direct experience built on craftsmanship, transparency, and long-term coverage.
Local Knowledge
Our building experts understand your area's permitting and code requirements, making installation smoother.
Limited Lifetime Warranty
Long-term framing and panel coverage against manufacturing defects, so your investment stays protected.
90-Day Workmanship
We back framing, paneling, and installation — so you know it's built right and ready to serve.
Rent-to-Own FAQs
The most common questions we hear from customers exploring our EZ PAY rent-to-own program.
Have a different question? Call our team at 336-368-8900 — we're happy to help.
TOL Buildings is your first choice for RTO metal buildings.
Ready to build now and pay monthly? Your project doesn't have to wait. Call us at 336-368-8900 and let's map out your monthly plan and schedule your installation today.
Ready to start your rent-to-own building?
Get a free quote directly from the manufacturing floor and see your monthly EZ PAY plan in minutes.