RAC Benefits

No credit history is required and we don't require a minimum FICO credit score.

"No credit needed" doesn't mean no inquiry will be made of credit history or creditworthiness. We may check past transactional history, but no established FICO score or credit history is needed.

Choose the ownership option that works best for your budget.
 

• Option 1: Own it in 6 Months
  We'll give you a great discount off your product's original price as long as you complete your payments within 6 months. (Note that if you're in CA, HI, NY, or WV, the period varies from 4 months to 6 months)**
   
• Option 2: Early Purchase Discount
  Did you miss your same-as-cash deadline? Don't worry. We'll still give you a discount off your product's original price if you can complete your payments early.
   
• Option 3: Small, Fixed Payments
  Just make your regularly scheduled payments and you'll own your item at the end of your agreement.
   
• Option 4: Pick Up Where You Left Off
  If for some reason you need to pause your payments, you can get the product back (or comparable item), and pick up where you left off.

We'll match any rent-to-own competitor's price.

Item needs to be identical (size, model number, quality, and condition)

Item needs to be in-stock

Must have proof of competitor price

Competitor price needs to be valid at the time of price match

For new agreements only

Price match may adjust the weekly rate, term and/or total price to match our rent lease to own competitors' advertised prices

We reserve the right to verify a competitor's advertised price

We'll deliver and set up your item for free on the same day you submitted your order.
 

• Agreement needs to be completed before 4 P.M.
• In-stock items only
• Delivery address needs to be within the normal service area of the store
• Set up doesn't include connection of gas appliances

• AutoPay: Automatically make your regularly scheduled payments.
• Pause Payments: Life happens, and we're here to help. Return your item at any time and we'll pause your payments at no penalty. When you're ready, get the product back (or comparable item), and pick up where you left off. You don't lose the money you already paid. Note that we only store your payment history for 2 years, so you'll need to bring your last payment receipt as proof for reinstatement.
• Pay Online: Make Payments anywhere, anytime with the Rent-A-Center Mobile App or website.
• Pay by Phone: Call your local store and pay by phone ($1.99 convenience fee may apply).
• Pay In-store: Visit your local store to pay in person.

We offer free product service and repairs for the life of your agreement.