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Rent-A-Center gives you the power to shop worry free, with no credit needed.
  • Choose from the best brands: Take your pick from your favorite furniture, appliance and electronics brands such as Ashley Furniture, Whirlpool, Samsung, Maytag, LG and HP.
  • Choose your payment plan: Choose the payment schedule that works best for your budget: weekly, bi weekly \(every two weeks\), semi monthly or monthly.
  • Choose your delivery date: We’ll professionally deliver and set up your product at no extra cost on the same day in most cases.**

  • It’s easy to get approved just complete and submit your order online or visit your nearest Rent A Center store , all with no obligation. Learn more about How Rent A Center Works.
    No. No credit history is required and we do not require a minimum FICO credit score.

    All you need is some standard information:
  •  Personal Info: Name, date of birth and contact info
  • Income Info: Verifiable source of income
  • Residence Info: Contact info for your landlord/mortgage company
  • 2-4 References: At least two references should be relatives with separate addresses
  • Rent-A-Center does not report your payment history to the credit bureaus. We know life happens so, we allow you to return your products at any time without further obligation.
    All you need is some standard information:
  • Personal Info: Name, date of birth and contact info
  • Income Info: Verifiable source of income
  • Residence Info: Contact info for your landlord/mortgage company
  • 2-4 References: At least two references should be relatives with separate addresses
  • Yes. In fact, we generally offer same-day delivery for products we have in stock to addresses within our standard service area if you complete your agreement before 4 p.m.
    Yes, on new agreements, we may adjust the weekly rate, term and/or total price to match our rent/lease to own competitors’ advertised prices. The item must be the identical item, size, model number, quality and condition. The entire printed ad, online price or digital version of the ad must be presented for proof of competitors’ price. The price of the item must be listed and valid at the time of price match. We reserve the right to verify a competitor’s advertised price and the availability of the item.
    Account/Payments
    $15 is all you need to get started at Rent-A-Center.* Customers in CA, NY, HI, MS, and VA will pay a $10 processing fee.
    You choose the payment schedule that works for you. You can make your payments weekly, biweekly (every two weeks), semi monthly or monthly. To learn more about our flexible payment options, watch this short video. Your payment schedule can be found on your rental agreement or by contacting your local store
    Contact your local store to request a change to your payment date.
    Rent-A-Center offers three ways to pay
  • Pay online or via the app. Create an account, or learn more about the Rent A Center mobile app
  • Pay in store. Find your store.
  • Call your local store to pay by phone with Visa or MasterCard. $1.99 convenience fee may apply
  • Set up your account now. You’ll need your agreement number to make payments online. This can be found on your rental agreement or provided by your local store. Even if you have more than one agreement, you’ll only need one of the agreement.
    No, automatic payments can only be set for the standard amounts due on your items based on your pay frequency. If you want to take advantage of 6 Months Same as Cash or the Early Purchase Discount, contact your local store.
    Need a little help? No worries. If you ever need to make a late payment, simply contact the manager of your Rent -A-Center store on or before your scheduled renewal (payment) date - we'll be happy to work with you!
    Life happens. 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.
    At Rent-A-Center, you don’t lose what you pay into an agreement. If you voluntarily return a product before reaching ownership, you’ll be given a payment protection voucher that will allow you to pick up where you left off when you’re ready. Just call or visit your local store and a store associate will help you restart your agreement

    There are three ways to redeem your payment protection voucher / store credit:
  • Reinstate your agreement: You have the option of getting your item \(or a comparable item\) back, and the full amount of the voucher will be applied to the agreement.
  • Switch to another item: If you don’t want the same item you were renting before, use your voucher to get up to three months off the original term of any previously rented item. The voucher will reduce the total cost and allow you to own the item sooner.
  • Transfer the credit to a friend: Give your voucher to a friend. They can take over the payments on your original item or get up to three month off a previously rented item.
  • Yes, just call or visit your local store. They will help you reinstate your agreement and apply your store credit.
    Vanilla Direct Pay is a safe, convenient and secure service that lets you pay your bills with cash using a personal barcode. To learn more about this, please contact your local store.
    Vanilla Direct Pay allows you to pay your agreement with cash* by visiting other local retailers such as Dollar General, Family Dollar, 7-11 and CVS Pharmacy. To get started, follow these easy steps
  • Get a barcode at vanilladirect.com/pay
  • Find participating store locations near you.
  • Scan the barcode at the register and pay bills or add funds to your account.

  • *service fees apply
    Ownership
    At Rent A Center, you have the freedom and flexibility to choose the ownership option that works best for your budget.
  • 6 Months Same as Cash: Own it in the first 6 months and you'll pay only the cash price. In CA, HI, NY, & WV, the same as cash period varies from 4 months to 6 months, depending on the item.
  • Early Purchase Discount: After your same as cash period has ended, you still save on the remaining total if you choose to own your item early. Most Rent A Center locations offer a 50 percent savings on the remaining total. This can vary by state, so be sure to review your agreement.
  • Low, Fixed Payment Option: If small payments and flexibility are more your thing, just make your regular rental payments and you’ll own it at the end of the agreement.
  • Is there a fee or penalty for purchasing my item early?
    The same as cash period is the amount of time you have to pay only the cash price listed on your agreement. You typically have 6 months to pay the cash price, but this may vary by location or state. In CA, HI, NY & WV, the same as cash period varies from 4 months to 6 months , depending on the item.
    After the same as cash period has ended, you can still choose to own the merchandise early and save. The Early Purchase Discount is the savings off the remaining total you will receive for completing the agreement early. The savings can be as much as 50% off the remaining total. Log in to your account, check your agreement, or contact your local store for more details.
    Products/Service
    Yes! At Rent-A-Center, we offer the latest and greatest brand name items in new condition. In addition, if you're looking to sav e even more, we carry previously rented merchandise for up to 50% off when compared to an item in new condition.** All of our previously rented furniture, appliances, computers, electronics, and smartphones go through a rigorous quality inspection process that includes thorough cleaning and testing. Start your order online to have someone contact you or visit your nearest Rent A Center store
    Contact your local store to set up an appointment to repair your product.
    Yes! If an item breaks during normal use, we'll repair it quickly and at no additional cost. If offsite repairs are needed, we'l l even give you a loaner while you wait. Contact your Rent-A-Center store to set up an appointment.
    At Rent-A-Center you can upgrade at any time. Just contact your store. Your payments will adjust based on the new product selected
    We offer some of the latest, most popular Android smartphones available from Samsung! Visit our Shop Smartphones page for a complete listing and features for each of our smartphones.

    Then, keep checking back - when newer models become available, you can get them right at RAC! (Remember, you can upgrade your smartphone anytime with no penalty.)
    At RAC, you're never stuck in a long-term contract. So you have the option to upgrade your smartphone to a newer model whenever you'd like - and as often as you'd like**! Keep checking our Shop Smartphones page to see the latest selection.
    At RAC, you're welcome to return your smartphone and freeze your payments at any time**. Then, you have the option of picking up where you left off later on, without losing what you already paid in**. Visit a local RAC store or our How RAC Works page to learn more about Payment Freeze Assurance, as well as all the benefits in our Worry-Free Guarantee**!​
    Yes, RAC stores carry Certified Pre-Owned smartphones for a lower price than new devices. Selection will vary by location, so please contact or visit your local RAC store to see what Certified Pre-Owned smartphones they have available.
    We offer multiple plans from a variety of service providers including NET10 Wireless and SIMPLE Mobile. All plans come with unlimited talk and text, and you can choose to add data or international services to fit your needs*^†. To see all the different options available - and to learn why getting them through RAC is right for you - please visit our Compare Plans page.
    We have unlimited talk and text plans for as low as $30 a month and LTE data packages with as much as 10GB per month are also available*^†. For a full breakdown of prices and services per plan for each provider, visit our Compare Plans page.
    The wireless data plans offered at RAC have data speeds at 4G LTE. The amount of 4G LTE data you get will depend on which plan you choose. Visit your local store to learn more about 4G LTE. Visit our Shop Smartphones page to shop all of our 4G LTE compatible smartphones.
    The plans offered at RAC offer the nation's best and most reliable 4G LTE networks. You can see the different coverage maps on our NET10 Wireless , and SIMPLE Mobile pages.
    We offer a number of international plans that work in a large variety of countries worldwide. You can view and compare the different options on our Compare Plans pages.
    Please visit our Compare Plans page for detailed lists of the countries covered by each of our options.
    Unlimited family talk, text and data plans for two to four lines are available*. Please visit our NET10 Wireless page for specific plans and rates.
    Click here for an at-a-glance comparison of how each unlimited, no-contract 30-day talk, text and data plan varies by nationwide coverage, national/international talk and text, and amount of data and price*^†. You can also visit your local RAC store where our Store Associates will help you determine which plan is right for your needs and your budget.
    You can sign up for the talk, text and data plan of your choice at your local RAC store. We'll answer all your questions and make sure you choose a plan that best fits your needs and your budget. Find your local RAC store here.
    RAC offers pre-paid talk/text/data plans that do not require a contract. For more information, visit your local RAC store
    If you already have a smartphone you'd like to use, just visit the Compare Plans page to view features, coverage and monthly prices of our available talk, text and data plans. Or, visit your local store and they'll help you choose the plan that's right for you.
    It is not necessary to purchase a talk, text and data plan from RAC to rent a smartphone. In fact, in most cases, you can rent a smartphone, connect it to your existing plan, and you're good to go. Visit our Use Your Own Plan page for a list of compatible carriers.
    In most cases, yes. Visit our Use Your Own Plan page for a list of carriers that are compatible with the smartphone you rent from RAC.
    You can purchase additional airtime to your talk/text/data plan at any RAC store, either in person or by phone. Find your local store here.
    If it's more convenient for you, you're welcome to buy additional airtime somewhere other than RAC. Please contact your specific provider for a list of all the stores that sell airtime for their service. For further assistance, Visit your local RAC store and a Store Associate will be happy to help you.
    Benefits/LDW
    Liability Damage Waiver (LDW) is an optional program that protects you from liability in the event your rental product is stolen or damaged due to natural disaster, fire or smoke. Without LDW, you are responsible for the cost to repair or replace the stolen or damaged merchandise . By paying a small fee with each rental payment, you pass this responsibility on to Rent-A-Center, so you can breathe easy!
    LDW protects you from a wide range of unexpected events, such as theft, fire, lightning, flooding and other acts of nature. It does not cover loss or damage from abuse or carelessness.
    LDW protection is available to all customers with a current agreement, in all states excluding California
    Most customers still benefit from LDW even if they have homeowners or renters insurance. Many insurance policies have high deductibles and may not cover rental products. We recommend you check if your insurance will cover the cost to replace or repair rental merchandise and consider the amount of your deductible when deciding whether LDW is right for you and your budget.
    In most states, the Liability Damage Waiver is only 10% of your rental payment. Contact your local store for your state's pricing.
    Whether you’re starting a new rental agreement or you’re already a customer, you can opt in to LDW anytime before a loss occurs. Contact your local store to add the Liability Damage Waiver to your agreement. It only takes a few minutes.
    Simply contact your local store . If your product is damaged, we will attempt to repair it. If your product is stolen, we will ask you to provide a police report.
    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
    RAC Benefits Plus is an optional add on to your rental agreement. Membership provides a host of money saving opportunities for items you would purchase anyway. Member benefits vary by state, but these are a few examples of what may be available where you live

  • Health and wellness*: Dental, vision, and prescription discounts; savings on lab services and diabetic supplies; telemedicine services provide 24/7 access to medical providers
  • Discounts and deals: Over 250,000 discounts on dining, shopping, professional services, movie tickets and more
  • Grocery coupons: Click and print coupons for everyday purchases
  • Automotive services: Roadside assistance reimbursement and discounts on oil changes, transmission services, and rental cars
  • Hotel stays: Discounts at hotels worldwide
  • Movie and amusement parks: Discounted tickets on family entertainment
  • Protection benefits*: Protection for losses covered by the Rent A Center Loss Damage Waiver program; product service protection for up to one year after your account is paid in full; payment assistance in the event of involuntary unemployment and accidental death and dismemberment coverage

    See the specific benefits for your state

    *These benefits are NOT insurance. Not all members are eligible for all benefits. Some state specific restrictions may apply to some benefits. See membership agreement for limitations, exclusions and restrictions.
  • To register, you’ll need:
  • Member Number this was sent in your welcome email or letter
  • Account Number located in the upper right hand corner of your discount membership form

  • Contact RAC Benefits Plus Member Services for additional assistance at 1-888-770-4123 Monday-Friday, 7-7 CST.
    (Washington members call: 1-855-849-0524)
    Log in to your RAC Benefits Plus account.Once you enroll, you can:
  • Search for participating providers
  • Learn how to use your benefits
  • Access your membership cards
  • Contact your local Rent-A-Center store to add RAC Benefits Plus to your agreement.
    Yes. You have the right to cancel your optional membership at any time. To cancel, contact your local store
    Yes, you can continue your membership. Simply continue to make your membership payments at the store, online, or via the app to keep your coverage.
    General Info
    Contact Customer Service at 1-800-422-8186 or contact us online
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  • We apologize for any inconvenience. Please be sure to add messages@reply.rentacenter.com to your trusted list of senders, contacts or address book. Also, our email may have been mistakenly sent to your spam or junk folder. Please go to your spam/junk folder and mark it as 'not spam'. If you're still not receiving Rent-A-Center emails, sign up for specials to re-register
    We offer terrific opportunities to those who want to be part of a local Rent-A-Center store or our strong corporate office team. To find out more about working at Rent-A-Center, search for positions and apply for a job, visit our careers website.
    Monday-Friday: 10 a.m. to 7 p.m.
    Saturday: 9 a.m. to 6 p.m.
    Sunday: Closed

    Hours may vary by location. Confirm the hours for your nearest Rent-A-Center store
    Have additional questions?
  • Call Rent A Center Customer Service at 1-800-422-8186
  • Contact us online
  • Contact your local store
  • Questions or Comments?
    Send us a message or give us a call. Our customer service team will be happy to help!