Cash vs Rent To Own
Every option gets you the exact same quality deck. The only difference is how you pay for it.
Cash
Buy it outright
- •No credit check.
- •You own the deck outright from day one.
- •25% down payment, with the balance paid on completion of the build.
Best if you want to buy it outright and be done.
Rent To Own
No credit check
- •No credit check required — approval is fast.
- •Small initial payment, then easy monthly payments.
- •First payment is due 30 days after the deck is built at your house or pool.
- •The faster you pay it off, the less you pay in rental fees.
- •Pay it off within 90 days and pay no rental fees at all.
- •The deck is yours once it is paid off.
Best if you want no credit check and to get started fast.
Financing
Through our lending partner
- •Traditional payments through a specialized home improvement lender.
- •They simplify the process, but it does have a credit check.
- •Predictable monthly payments over a longer term.
- •You own the deck from the start.
- •Great fit for larger projects.
Best if you want traditional payments and have good credit.
Apply for FinancingSame quality, different builds
Cash builds get concreted in. Rent to own builds are built portable, sit on pressure treated beams set on blocks. You can buy a portable deck cash or financing, but if you buy rent to own it has to be built on the pressure treated beams. We can build both styles completely freestanding, with only the roof flashing attached to the house. Same quality either way — here are photos of each so you know exactly what to expect.
Rent To Own builds
These are built portable, sitting on pressure treated beams and blocks, so they qualify for rent to own. They can be purchased cash, rent to own, or financing. They can also be moved with your mobile home, pool, or RV.
Cash builds
These are permanent builds, concreted in. They can be purchased with cash or financing.
Quick rule of thumb
Choose Cash if you want to buy it outright. Rent-to-Own if you want no credit check, easy monthly payments and to get started fast. Financing if you want traditional payments through a specialized home improvement lender — they simplify the process, but it does have a credit check. Not sure which fits? Call or text us at (817) 809-4791 and we will walk you through the numbers.
Want a real number first? Use our 3D deck builder to design your deck and get an instant price range.
Buyer's Guide
Rent-to-Own vs. Cash: Complete Texas Deck Guide
Most Texas homeowners pricing a deck end up asking the same thing: should I pay cash, or go rent-to-own? Both get you the same crew and the same 2-year warranty. The difference is when you pay, whether your credit is involved, and how the deck is built. Here's how to decide.
Side by side
| Cash | Rent-to-Own | |
|---|---|---|
| Credit check | None | None |
| When you pay | 25% down payment, balance on completion of the build | Small initial payment, first monthly payment due 30 days after the deck is built at your house or pool |
| How it's built | Permanent build, concreted in | Portable, on pressure-treated beams set on blocks |
| Attached to the house? | Can be freestanding, only roof flashing attached | Can be freestanding, only roof flashing attached |
| Can it move later? | No, it's a permanent build | Yes, it can move with your mobile home, pool or RV |
| Best for | Homeowners ready to pay once and be done | Mobile homes, RVs, pools, and anyone who wants monthly payments without a credit check |
When cash makes sense
If you have the budget set aside, cash is the simplest path. We collect a 25% down payment, and the balance is paid on completion of the build. It's just a simple contract, with no monthly payments afterward.
When rent-to-own makes sense
Rent-to-own is built for people who want a deck now and would rather pay monthly, without a credit check. Your first payment isn't due until 30 days after the deck is built at your house or pool.
Rent-to-own decks are portable. They're built on pressure-treated beams set on blocks, which makes them a strong fit for mobile homes, RVs and pools. If you move your mobile home, the deck can move with it.
How much does a deck really cost per month?
Rent-to-own decks start as low as $100 to $150 a month for smaller sizes. Your exact payment depends on the size of the deck, the materials and any add-ons like a roof, stairs or railing. With no credit check and your first payment due 30 days after the deck is built at your house or pool, it's an easy way to get the deck now and spread out the cost. For a real number on your own deck, try the 3D deck builder or call us at (817) 809-4791.
Want a lower monthly cost? Financing through our partner can offer better rates, and it's easy to get approved.
Will the deck be attached to my house?
Either way you pay, we can build your deck freestanding, with only the roof flashing attached to the house. That's a common choice for mobile homes and for homeowners who don't want fasteners going into their siding.
See real builds
Browse finished projects on our Build Blog, see the rent-to-own and cash build photos above, or price your own deck in the 3D deck builder.
Common questions
Is there a credit check for a rent-to-own deck?
No. Rent-to-own decks from BenchMark Decks do not require a credit check.
When is my first rent-to-own payment due?
Your first payment is due 30 days after the deck is built at your house or pool.
When do I pay if I pay cash?
We collect a 25% down payment, and the rest is paid on completion of the build.
Can a rent-to-own deck move with my mobile home?
Yes. Rent-to-own decks are portable. They are built on pressure-treated beams set on blocks, so they can move with your mobile home, pool or RV.
Does the deck have to attach to my house?
No. Both cash and rent-to-own decks can be built freestanding, with only the roof flashing attached to the house.
Comparing deck styles and materials too? See our deck comparisons →
Ready to get started?
Tell us about your project and we will get you a real number.