When searching for RTBShopper reviews, potential customers often ask, "Is RTBShopper.com a trustworthy "Rent-to-Own" (RTO) service?" This detailed review examines real customer experiences, technical trust data, and the company’s financial model to help you decide if RTBShopper.com is a viable choice for leasing electronics, appliances, and furniture through payment plans.
RTBShopper.com is a Rent-to-Own or Buy Now, Pay Later (BNPL) retailer offering brand-name products such as computers, TVs, and appliances under a “No Credit Needed!” model. The company’s service centers on lease agreements for customers with less-than-perfect credit, often allowing same-day pickup from partners like Best Buy. While convenient, this model carries significant financial risks that demand careful consideration.
Overall Trust Scores and Ratings for RTBShopper
Analysis reveals high technical legitimacy but mixed customer satisfaction typical of RTO businesses, where lease terms often lead to confusion and frustration.
| Platform / Metric | Rating / Score | Key Finding & Risk Indicator |
|---|---|---|
| Trustpilot (RTBShopper.com) | Average 3.7/5 based on 36 Reviews (Claimed Profile) | The score is middling. Despite being a Claimed Profile, the company has not replied to negative reviews, indicating poor support engagement. |
| ScamAdviser (RTBShopper.com) | Trustscore 100/100 (High Trust) | Confirms technical safety (valid SSL, active hosting). Does not reflect the fairness or transparency of RTO lease terms. |
| Rating Facts (RTBShopper Reviews) | Average 3.12/5 based on 32 reviews | Reflects dissatisfaction with total ownership costs typical for RTO models, where payments exceed retail price. |
| Coupon Site (Unnamed) | Rated 4.5/5 by 11 users | Likely biased, focusing on coupon savings rather than the full lease experience. |
| BBB Accreditation | NOT BBB Accredited | Affiliated entities (Pro Path Media LLC & RTB Financial Solutions LLC) lack BBB accreditation for a finance-based business. |
Verdict on Trust Scores: While the site is technically legitimate, low-to-average customer satisfaction and the absence of BBB accreditation suggest significant risk tied to the RTO model’s costs and support issues.
Common Positives and Service Claims
- No Credit Needed: Accessible to consumers with poor or no credit, requiring only ID, SSN/ITIN, a valid payment method, and proof of income.
- Instant Gratification: Same-day pickup available at major partner retailers like Best Buy.
- Brand Name Products: Offers genuine, new products, electronics, appliances, and furniture from reputable brands rather than refurbished goods.
Major Complaints and Red Flags
- High Total Cost (RTO Trap): Lease agreements—often through third-party financiers like Progressive Leasing—can lead to customers paying 2–3× the retail price over the lease period.
- Hidden Fees/Complex Terms: While the application doesn’t affect FICO scores, late or missed payments may harm credit. The fine print often includes costly penalties.
- Poor Customer Service: Failure to respond to negative reviews and lack of BBB accreditation raise concerns about dispute handling and transparency.
- Financial Model Risk: The RTO business model helps with short-term needs but often imposes long-term financial strain due to excessive rental fees.
Is RTBShopper.com Legit or a Scam?
RTBShopper.com is a legitimate Rent-to-Own or Lease-to-Own financing platform—but a high-risk financial option. It is not an outright scam but rather a costly alternative to traditional credit.
Expert Findings
- Technically safe and verified website (100/100 ScamAdviser score).
- Mixed customer experiences due to the inherent cost structure of RTO models.
- Lack of BBB accreditation reduces accountability and transparency.
Final Verdict
Proceed with extreme caution. RTBShopper.com works as intended for those needing immediate access to expensive products without credit, but expect to pay significantly more over time. Poor customer support and complex lease structures further heighten risk.
Recommendation
Before committing, thoroughly review the third-party lease agreement (e.g., Progressive Leasing). Understand total costs, early purchase options, and penalties for missed payments. For safer alternatives, consider financing through established lenders or review the platform’s profile on RatingFacts RTBShopper Reviews before signing any contract.
