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Rent to Own Means No Credit Needed, No Kidding

You know the story: You visit a retail store. You find exactly what you're looking for. You sign up for a store credit card, and then you find out that approval comes with a hitch: an astronomical interest rate. Many retailers offering credit cards will charge you an interest rate between 15 and 23 percent. Lower credit scores often command even higher interest rates. And that's on top of annual fees. Rent-A-Center doesn't issue credit cards, and you don't need one to purchase with us. Our no-credit-needed stance is firm, and there are plenty of reasons.

Unlike most retail stores, Rent-A-Center offers easy financing for your rent-to-own items. Our goal is to make it possible for everyone to have the opportunity to enjoy rent-to-own furniture , computers , electronics , and appliances from to brands like Ashley Furniture, Samsung, and Frigidaire at affordable prices in an upfront, hassle-free manner.

Everyone Deserves Easy Financing

Once you choose the rent-to-own items you want from your favorite brands (like Frigidaire, Samsung, and Ashley), we make it easy for you to take home your selections that same day (or have them delivered at your convenience). Our rental agreement is simple. Begin your application online and then visit a store with proof of residence, source of income, and personal references. You can then start enjoying your rent-to-own items right away.

Rent to Own Is Better Than Credit

You deserve to be treated well. The rent-to-own advantages over credit cards include:

  • No high interest rates dependent on your credit history
  • No debt accrued on unpaid balances
  • You can freeze your payments
  • No effects on your credit score

Our no-credit policy is one way we make rent-to-own easy and accessible for everyone.** Ready to get started on your no-credit, rent-to-own purchases? Start the process here or visit one of our convenient locations.