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How RAC Works

How RAC Works

Shopping FAQs

No. No credit history is required and we do not require a minimum FICO credit score.
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
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.
In most states, $10 is all you need to get started at Rent-A-Center.* Starting amounts higher in some markets.  Customers in NY, HI will also pay a processing fee of $10 ($15 in CA).  Contact your store for details.