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RTO Mobile Software helps phone stores create their own payment plan program. Instead of sending customers to third-party lenders, you can offer flexible payment options directly in your store.

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Trusted by over 1,000+ Mobile Retailers & Repair Shops

Offering a payment plan program can help your store

Give More Approvals

Offer flexible payment options that help more customers get approved for the device they need.

Increase Average Ticket Size

Make higher-value devices more accessible so customers feel comfortable spending a little more.

Close More Sales

Give customers a practical path to purchase so fewer people walk away without a device.

Why Stores Choose
RTO Mobile Software

Every payment plan that you create generates residual revenues all year long!

Increase Device Sales

Offer payment plans to customers who may not be able to pay upfront.

Keep the Profit In-House

Avoid losing margins to third-party financing companies.

Simple Store Workflow

Create, manage, and track payment plans directly inside the software.

Payment Plan Guarantee

Your Profit Is Our Priority

Scared about the risk? Don't worry. Our Promise Guarantee program helps ensure you never lose money.

Here's how we keep our promise

On the day you arrange your payment plan, we’ll note the device wholesale cost in the payment plan record based on BackMarket.com’s online listed price, plus an additional 10%.

If your customer does not complete their payments to you, as agreed in the payment plan, RTO Mobile will cover the shortfall up to wholesale cost guaranteed in the payment plan.

Don’t Just Take Our Word for It

“I make 3X more profit than I would with 3rd party finance companies.”

— Cameran, 5 Star Wireless

“I have recouped 100% of my initial investment and am now making over $48,000 per month in additional profit!”

— Angelo, FastFix Electronics

“When I saw the math, it made perfect sense. It's all that they promised it would be.”

— Josh, 1 Stop Phone Shop

"I've grown my store revenue by being able to help more customers get the phone they want without the hassles of 3rd party finance company having to approve applications."

— Cody, Hoods Goods

"With RTO Mobile, I have created my own rent-to-own program. No need to have a finance company taking my customers and my profit. RTO Mobile is the best."

— Rafael, Best Connections

"In-house payment plans with RTO Mobile has helped our customers afford the iPhones that they want. We are opening many new stores, featuring our in-house payment plans"

— Alberto, Smart Rent To Own