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Frequently Asked Questions

Contact your store right away if you need an accommodation. Your store will work with you and help you find the best solution, at their discretion.

Partial payments and splitting between cards aren’t available through My Account. For special payment arrangements, reach out to your store.

If you have trouble with your My Account or with making a payment online, please contact your store or use the Contact Us page for support.

Your agreement number can be found above in your rental agreement details or can be provided by your local store.

Yes. If you want to stop payments on your Liability Damage Waiver, just let a store associate know. There are no fees or penalties for changing your mind.

Yes. You have the right to cancel your optional membership at any time. To cancel, contact your store.

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*The advertised transaction is a rental-purchase agreement (rent-to-own agreement, consumer rental-purchase agreement or a lease/lease-purchase agreement, depending on your state). Pricing valid 08/16/2026 to 09/26/2026. The "Total of All Payments" does not include applicable sales taxes or optional fees and other charges (such as late charges) that you may incur. Customers in certain states may be required to pay a processing fee, including a fee of up to $18 in CA, and up to $10 in NY, HI, GA, KY, MD & VA. Advertised rental rates and terms are for merchandise at participating locations. Prices not valid outside U.S. You will not own the merchandise until the total amount necessary to acquire ownership is paid in full or you exercise your early purchase option. Ownership is optional. MA and RI consumers: after the first 184 days, you may purchase the merchandise for 50% of the remaining Total Cost, plus applicable sales tax. Product availability and pricing may vary by store. Advertised offers good while supplies last and cannot be combined with any other promotion. As an example, Signature Design by Ashley Midnight-Madness 2-Piece Sectional Sofa Chaise-Gunmetal (98105S3): $29.99 a week for max 118 weeks, Total of All Payments (max): $3,538.82, Retail Value/Max Cash Price: $2,300.23; GA/PA cost of lease services $1,239.82, WV retail value $1,204.20, WV RTO charge $1,685.88. New merchandise savings claim based on the advertised weekly rates when compared to non-promotional weekly rates for the same or similar merchandise, where promotional rates are not offered. Pre-rented and clearance merchandise advertised weekly rates may be lower than similar new merchandise based on item condition, prior use, or availability. These savings do not reduce the total amount required to acquire ownership or any purchase-option amounts. Product, condition and selection vary by location. Participating locations only. See store for details.

^"$10 Pays Your First Week" offer is valid only on new agreements entered into 08/09/2026 to 09/26/2026. Customers eligible for this offer will pay $10 for the initial rental period until first renewal payment, up to seven (7) days. Loss-Damage Waiver (if selected) and Benefits Plus (if selected) are waived for the initial payment. Any tax due under state law will be collected with first renewal payment. After the first week, regular rental payment, taxes, Benefits Plus (if selected) and Loss Damage Waiver fees (if selected) will apply. Regular rental payment, term and total cost vary by item selected. Offers will not reduce the total amount necessary to acquire ownership or purchase-option amounts. Customers eligible for this offer must use Promo Code "1WEEK4TEN" to receive offer. Does not include applicable sales taxes, optional fees and other charges (such as late charges) that you may incur. All offers are only good while supplies last and cannot be combined with any other promotion. Customers in certain states may be required to pay a processing fee, including a fee of up to $18 in CA, and up to $10 in NY, HI, GA, KY, MD & VA. Some exclusions apply. Not all customers or lease transactions will qualify. Special order products excluded. See Store Manager for complete details.

‡"Own your own way" refers to the available options to acquire ownership of a leased product from Rent-A-Center, which include (i) making the number of rental renewal payments required to obtain ownership as defined in the rental agreement, (ii) exercising a Same as Cash option, or (iii) exercising an early purchase option after the same as cash period has expired. You will not own the merchandise until the total amount necessary to acquire ownership is paid in full. Ownership is optional. You may cancel your agreement at any time and return your item in good condition.

** "The No Credit Option" means that this is not a credit, loan or financing transaction. It does not mean or imply that no inquiry will be made of credit history or creditworthiness. We consider multiple data points in reviewing your application and regularly approve customers with less-than-perfect credit history. “6 Months Same As Cash” offer valid in most states on new agreements, and period ends 184 days after start of the new agreement. Exercising a Same As Cash option requires a separate payment in addition to your rental renewal payments. To make this payment, please contact your store or go to https://www.rentacenter.com/en/myaccount/payonline-getstarted. See agreement for details. 6 Months Same as Cash not available in CA, HI, NJ, NY, WV and select franchised locations, which may offer 3 – 6 Months Same As Cash, depending on product selected. Offer is valid only on new agreements. Same as cash availability and term may vary by location. MA and RI: After the Same As Cash period, you may purchase the merchandise for 50% of the remaining Total Cost, plus applicable sales tax. Some exclusions apply. Not all customers or lease transactions will qualify. "Free Delivery and In-store Pickup": Not all locations may be able to provide standard services. Free Delivery is not available on cash sales. Rent-A-Center services and maintains the merchandise while on rent (or in NJ, for duration stated on agreement); set-up does not include connection of gas appliances. Call your store for local information. Order delivery for jewelry will take a minimum of five days. "Early Purchase Option": By exercising an Early Purchase Option, customers will pay less than the total cost to own. Calculation of early purchase amount varies by state; please see agreement for details. Exercising an early purchase option requires a separate payment in addition to your rental renewal payments. To make this payment, please contact your store or go to https://www.rentacenter.com/en-us/myaccount/payonline-getstarted. "RAC Exchange" program valid for rental agreements entered at participating Rent-A-Center locations or on rentacenter.com on or after March 12, 2024, is available to eligible new and existing Rent-A-Center customers, and applies to inventory obtainable by participating Rent-A-Center store locations. New application and approval may be required. Cash price of the replacement item (“Exchange Item”) selected in exchange for current leased item (“Current Item”) may not exceed the Exchange Item approval amount, which is subject to validation and adjustment prior to exchange and may vary from original approval amount for initial rental agreement for Current Item. Exchange requires execution of new rental agreement for Exchange Item. Exchange option must be exercised and completed within six (6) months following execution of rental agreement for Current Item. Agreement for Current Item must be in good standing (with all rental payments and fees current) at the time of exchange and Current Item must be in good condition. Rent paid for agreement for Current Item will be applied to reduce the total cost to own for the Exchange Item, but prior rent paid for Current Item cannot be applied in full to same as cash amount for Exchange Item. Any applicable same as cash period will apply to new agreement for Exchange Item based on product selection and agreement term. The amount of rent paid for Current Item under prior agreement eligible for application to same as cash amount for Exchange Item may vary from 40% to 66%, depending on state of residence. Exchanges under program may not be combined with other discounts, offers, or promotions. Participating locations only. See store for details.

± Rental-purchase / lease transaction. “Approved to rent up to $4,000 in merchandise” offer is for qualified customers, with a cash price up to that amount and is valid on a new agreement. Approval amount includes outstanding agreements. Total rent-to-own cost will be higher. Actual approval amount will vary based on review of application. Not all will qualify for “Approved to rent up to $4,000” offer. Qualifying customers may receive larger approval amounts in certain states. Number of payments and total rent-to-own cost will vary by items selected. Does not include applicable sales taxes, optional fees and other charges (such as late charges) that you may incur. Participating locations only. Eligible items only. All items subject to availability and approval.