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What's RAC Exchange?

We are thrilled to introduce our latest program - RAC Exchange! Whether you’re a new or current customer, you can now effortlessly exchange your current rented item for another one without losing what you’ve paid in rent.

firststepIconDetermine Your Eligibility

  • Your current rental agreement must be within the first 6 months.
  • Your account must be current, and in good standing.
  • Your product must be in good condition.

secondstepIconFind Your New Item

Browse to pick the new item you want, up to your approval amount, and let the store know your choice. You can also work directly with your store to find what you want and they will assist you in selecting the best item for your needs.

thirdstepIconMake Your Exchange!

When you’re ready to exchange, simply reach out to your local store. They’ll apply the amount you’ve paid toward your current rental agreement (up to 6 months of rent) to your new product agreement.

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Exchange For Anything!

Whether you want to upgrade, change your brand, or swap for something completely different, you can exchange your current product, up to your approval amount, within 6 months without losing what you have paid in rent*.


RAC Exchange FAQs

During the first 6 months of your agreement when your agreement is in good standing with rental payments current. If you are past 6 months you are well on your way to ownership. You can take advantage of early purchase options. Or see more in FAQ's below for Lifetime Reinstatement information and options.
New and previously rented product at your local RAC store or an item that your store can otherwise obtain. Cash price or rental rate of products may not exceed approval amount on the day of the exchange, and may require submission of a new application for approval.
100% of the rental payments made in the first 6 months of your agreement will be applied to reduce the total cost of ownership for the next agreement (excluding taxes and fees).  If you exchange multiple times, only the rental payments received for your most recent agreement will be applied to the new one.
Work with your local store Mon-Sat 10:00 am – 6:00 pm. If you don’t have them saved in your Favorites (kidding), look it up here.
Yes, your rental payments will be adjusted to the rate of the next item you rent. Your store will be able to provide more details.
Your same as cash period will be based on the item selected and restart with your new agreement, providing an opportunity to pay the lowest price possible to acquire ownership.
No, but you still have options. First, you may exercise an early purchase option to receive a discount off the total remaining payments required to acquire ownership. Second, if you need to take a break from renting, you can return your merchandise (with no penalty), then come back later and use your Lifetime Reinstatement. Lifetime Reinstatement gives you a Comeback Coupon voucher that works 3 ways with a valid new application (1) pick up where you left off on the same item 2) switch & save and get 3 months off the original term of any previously rented item 3) share your reinstatement voucher with a friend who has applied and been approved, and they can then pick #1 or #2.
You can, every agreement is available for RAC Exchange within the first 6 months.  Each time you make an exchange you will enter into a new agreement.  Your approval amount is subject to validation prior to each exchange, and only the rental payments received for your most recent agreement will be applied to the new one.