Top 3 Places Like Rent-A-Center (Rent to Own Stores) - MoneyPantry (2024)

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So, I started to look for stores similar to Rent-A-Center and found a few.

These stores offer a wide range of items, and the best part is that you can rent to own. You’re not having to part with a whole bunch of cash up-front. You can take pieces home with you and pay for them over time. This can ease financial stress.

What is Rent-A-Center & How Does it Work?

Rent-A-Center, which is often called RAC, is an American public furniture and electronics company.

It is a rent-to-own company with more than 2,181 stores in the United States. It was incorporated in 1986.

Here’s how it works:

• Submit an order: Simply submit an order online or visit a Rent-A-Center store.
• Set up payment and delivery: The store will finalize your order details, set a payment plan, and schedule a free same-day delivery.
• Enjoy your items: Then, you can enjoy your items. The store offers ownership options, free product repairs, and no long-term commitment.

You do not need a good credit score to rent from Rent-A-Center.

The company states that it considers many different factors when reviewing your application and that it regularly approves customers with less than perfect credit history.

Rent-A-Center doesn’t report your payment history to the credit bureaus.

To rent from Rent-A-Center, all you need is some standard information, such as:

• Personal information: Name, date of birth, and contact information.
• Income information: Verifiable source of income.
• Residence information: Contact information for your landlord/mortgage company.
• Two to four references: At least two references should be relatives with separate addresses.

Rent-A-Center has a pretty good return policy too.

At any time, you can contact your store to schedule a return of your product or return the merchandise in person and pause your payments. When you’re ready, you can come back, reinstate your agreement to get the same or comparable item and pick up your payments right where you left off.

To start an agreement at Rent-A-Center, $10 is all you need in most states. Starting amounts can be higher in some markets. Customers in some places like NY will also pay a processing fee of $10 or $18 in CA. You can contact your store for details.

Rent-A-Center offers products in a range of categories, including:

• Furniture
• Appliances
• Computers
• Electronics
• Smartphones
• Tires
• Handbags
• Fitness & outdoors

Stores Like Rent-A-Center

Rent-A-Center isn’t the only store of its kind. The are plenty of stores like Rent-A-Center where you can shop on a budget.

1. Aaron’s

Aaron’s sells products across a multitude of categories, such as:

• Furniture
• Electronics
• Appliances
• Tools & Equipment
• Fitness & Recreation
• Jewelry

Even if your credit isn’t the best, Aaron’s offers approvals when other stores won’t. With Aaron’s, you can rent to own products. You avoid large upfront payments by making affordable monthly payments instead.

Aaron’s offers flexible payment options. You can choose a lease ownership plan of 12 months, 18 months, or even 24 months on most products.

You can shop online or in-store.

Once you’ve been approved and signed your lease agreement, the company will call to schedule your free delivery and set up.

2. Bestway

Bestway is another store like Rent-A-Center. There are lots of categories to choose from, including:

• Furniture, like living rooms, bedrooms, mattresses, dinettes.
• Appliances, like washers & dryers, refrigerators & freezers, and AC units.
• Electronics/computers, like flat screen TVs, laptops, and smartphones.

Bestway offers free same-day delivery, and service and repair is included. No credit is needed.

There are affordable and flexible payment options available, including weekly, bi-weekly, semi-monthly, and monthly payment options.

Also, Bestway also provides the lowest price or its free. The store states that it is confident that you won’t find a lower total cost of ownership, but if you do within 30 days, it will beat it or give it to you for free.

3. Buddy’s Home Furnishings

Buddy’s Home Furnishings has been providing rent to own items since 1961. So, this is a well-established company.

You can find products in a wide range of categories, such as:

• Furniture
• Appliances
• Electronics
• Computers
• Smartphones
• Gaming

You can select a store to see local pricing and items eligible for delivery in 24 hours or less. The store provides you with products with no long-term commitment and no credit check. Service and repair are included.

You can select from one of the company’s flexible payment options.

Closing Thoughts

Renting to own allows you to get the items you need without a big upfront cost. That’s why so many people are looking for places like Rent-A-Center.

With the stores on our list, you can get everything from furniture to appliances without breaking the bank.