In-house payment plans
for phones
Customers walk when they can’t pay the sticker price today. RTO by 8 Star lets you finance it yourself — buy-now-pay-later or rent-to-own, built and backed entirely in-house. No bank. No middleman. Close the sale now, and every plan pays you back, payment after payment.
No bankNo middlemanDevice lock built in
Build a plan. Watch the money add up.
Set the down payment, term, and schedule. The plan fits your customer’s budget, and the panel on the right shows exactly what you take home.
On a $1,000 item, an in-house plan turns your cost of goods into $740 of margin over the sticker, collected steadily, week by week.
Same math the real product runs, try it. Figures exclude tax and are illustrative.
Not a separate app. It runs inside your store OS.
RTO lives one tab away from checkout, tickets, and inventory, the same screen your staff already use. Take a payment, read the ledger, see who’s behind, all in one place.
RTO
Contracts
Scannable view of every contract in the active store.
Phone
+1 (555) 019-2834
DOB
Mar 14, 1992
Next due
Jun 12
Due amount
$126.00
Phone
+1 (555) 240-7781
DOB
Jul 02, 1988
Next due
Jun 14
Due amount
$90.00
Phone
+1 (555) 663-2090
DOB
Nov 19, 1995
Next due
Jun 3
Due amount
$105.00
Phone
+1 (555) 228-0199
DOB
Feb 27, 1990
Next due
Jun 15
Due amount
$145.00
Phone
+1 (555) 884-5512
DOB
Sep 08, 1986
Next due
May 27
Due amount
$120.00
Phone
+1 (555) 102-3398
DOB
Apr 23, 1993
Next due
—
Due amount
$0.00
Payments Due This Week
Upcoming collections for active accounts.
What a live plan looks like.
A $899 phone, $200 down, six months weekly. Nine weeks in, the device is still locked to the plan and the payments keep landing.
Based on data across 8 Star stores and industry BNPL research. Figures illustrate typical outcomes, not a guarantee.
A financing arm, built into your store.
Build plans in seconds
Set the down payment, term, and schedule; the plan fits the customer's budget, not the other way around. No applications, no waiting on an approval.
Grow revenue and profit
Stop losing the sale at the sticker. Plans close customers who would otherwise walk, at full margin.
Recurring cash flow
Every active plan pays you weekly, biweekly, or monthly, whether or not anyone walks in that day.
Customers save hundreds
No third-party financing markup. Budget-friendly plans keep money in your customer's pocket and margin in yours.
Sell phones. Fix phones. Either way, your customers want payment options.
Cell phone retailers
A reliable smartphone often costs more than a customer can pay today. In-house plans make the phone affordable now, and close the sale at full margin.
Phone repair shops
A $300 repair quote loses the job when the customer can’t pay on the spot. Payment plans keep repairs affordable, and keep repair orders on your bench.
From counter to paid off, in five steps.
No bank, no middleman, no monthly software fee on the plan. You finance it, you lock it, you collect it, all inside the app you already run the store on.
Build the plan at checkout
Set the price, down payment, term, and schedule. The plan is quoted instantly, no application, no third-party approval, no waiting.
Collect the down payment
The customer pays the down payment and walks out with the device or the finished repair the same day.
The device locks to the plan
New devices enroll in MDM and lock to the plan automatically. Miss a payment and the phone locks; it's collateral that can't walk off.
Payments come in on schedule
Every plan pays you weekly, biweekly, or monthly. The RTO ledger tracks who owes what and flags anything late, no spreadsheets.
Paid in full, unlocked, owned
When the last payment clears, the plan closes and the lock releases. The customer owns the device outright, and you kept full margin.
Stop losing the sale at the sticker.
Turn every walk-away into a plan that pays you back, week after week. Start free. RTO is built into 8 Star OS.