Learn about our club rewards and benefits

Royalty Club Bonus Benefits


Royalty Rewards Loyalty Point Program

As a Royalty Club member, you can earn Royalty Rewards just for making your payments on time. Royalty Rewards can be redeemed for $50 gift cards from many different vendors.

One Fee-Free 15-Day Pawn Each Month

As a member, you also benefit from the savings of one (1) FEE-FREE pawn each month. Pawn your item of value and redeem it within 15-days and you will not be charged any fees!

Loyalty Points

Protection Benefits*


Courtesy Waiver

This benefit helps your family through a difficult time by having your account balance waived in the event of the untimely passing of an eligible member listed on the agreement(s).

Paid-out Product Service Protection

Receive service on your paid-out merchandise for up to one year after ownership if you maintain membership in the Royalty Club. Protection is provided against product failure and mechanical breakdown of the merchandise not caused by external conditions.

Health & Wellness Savings


Dental Care Savings

Save an average of 15% - 50% on your family's dental needs by visiting one of the participating dentists.

Prescription Savings (Open Formulary)

Save 15%-60% on most short term and acute care prescriptions such as antibiotics and pain killers at participating pharmacies and 30% - 70% off mail order retail prices.

Vision Care & Eyewear Savings

Save 35% off normal retail prices on frames (complete pair) and 20% off lens add-ons. Participating companies include Pearle Vision, JCPenney Optical, Lenscrafters and more.

Lab Service Discounts

This benefit provides direct access to discounted lab work - no doctor's appointment necessary. The savings range from 20% - 80% off typical lab charges.

Diabetic Supplies Savings

As a member, you and your immediate family save 40% -60% on diabetic supplies, including test strips and more. Simply order by phone or online.

Pet Prescription Discounts

Save money while caring for your pets when you fill their prescriptions at participating pharmacies.

Nurse Helpline

This benefit offers you the opportunity to consult with a registered nurse by calling a toll free number at any time of the day or night, 365 days a year, concerning any medical or health related issues.

Loyalty Points

Everyday Savings


Loyalty Points

Discounts & Deals

Save up to 50% with our online deals and for local discounts use the free My Deals app.

Rebates on Gasoline, Groceries & Utilities

Put money back in your wallet with up to $200 in annual rebates on everyday purchases such as gas, groceries and utilities.

Grocery Coupon Savings

Pay for your membership every month by printing money-saving coupons. The best part is that you are selecting coupons for the items that you plan on buying.

Roadside Assistance Savings

When you need roadside service, one call sends help and you pay a discounted rate.

Car Service Discounts

Save 5% - 15% when you show your membership card to participating Jiffy Lube®, Meineke, AAMCO or MAACO service locations.

Rental Car Savings

Receive exclusive discounted rates when you reserve your rental car at participating AVIS®, Hertz®, National®, Alamo® and Budget locations.

Hotel Lodging Discount

Save 15% off published rates when you book a Choice Hotel by phone or online using your exclusive discount code.

1-800-flowers.com® Discount

Save 20% every time you order flowers and/or gifts through 1-800-flowers.com. Order by phone or online by providing the code included in your membership material.

Entertainment Savings

Save on tickets for select amusement parks, movie theaters, sporting events, concerts and more.

How RTO works
*Please see membership materials for limitations, restrictions and exclusions. Some state specific restrictions may apply to some benefits.