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RAC Benefits

Shopping FAQs

No. We consider many different factors in reviewing your application and regularly approve customers with less than perfect credit history.
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.  

 


RentACenter, Inc., Rent to Own Furniture, Plano, TX
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California residents, please click here for information about the collection of your personal information.

Consulte al gerente de la tienda para obtener los detalles completos. **The advertised transaction is a rental-purchase agreement (rent-to-own agreement, consumer rental-purchase agreement or a lease/lease-purchase agreement, depending on your state). "Pay As You Go" and "No Long-Term Commitment" refer to terminable lease transactions with customer’s choice of weekly, semi-monthly or monthly payments. "No Credit Needed" does not mean or imply that 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 necessary. Rental agreement requires, at minimum, verification of residence, income and four personal references. You will not own the merchandise until the total amount necessary to acquire ownership is paid in full or you exercise your early purchase option. Ownership is optional. MA and RI consumers: after the first 184 days, you may purchase the merchandise for 50% of the remaining Total Cost, plus applicable sales tax. Product availability and pricing may vary by store. Advertised offers good while supplies last and cannot be combined with any other promotion. See Store Manager for complete details. Product, condition and selection vary by location. Participating locations only. See store for details.

**“6 Months Same As Cash” offer valid in most states on new agreements, and period ends 184 days after start of the new agreement. 6 months same as cash not available in HI, NJ, NY and WV and select franchised locations, which may offer 4-6 Months Same As Cash, depending on product selected. Offer is valid only on new agreements. 4 month period ends 123 days after start of the new agreement. Same as cash availability and term may vary by location. MA and RI: After the same as cash period, you may purchase the merchandise for 50% of the remaining Total Cost, plus applicable sales tax. Competitor Price Match: Offer valid on 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. 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. Offer valid on in-stock items only. Offers are not available for online rental. Free Delivery applies to in-store agreements completed before 4 p.m. for in-stock items and delivered to addresses within the normal service area of the store. Some exceptions may apply. Doorstep Delivery and Same-day Curbside Pickup: To comply with local regulations, home deliveries may be made to customer’s doorstep and will not include installation or connection, including large appliances and other oversized items. Not all locations may be able to provide standard services. Call your store for local information. Beats, Beats by Dr. Dre and the circle b logo are registered trade and service marks of Beats Electronics, LLC. PS4 logo is a trademark of Sony and Xbox One logo is a trademark of Microsoft. Intel, the Intel logo, the Intel Inside logo and Intel Core are trademarks of Intel Corporation or its subsidiaries in the U.S. and/or other countries. Other trademarks, registered trademarks and/or service marks, indicated or otherwise, are the properties of their respective owners.

* It's a Cinch Pre-Approval / Approved for up to $3000/$5000 Advertised transaction is a rental-purchase / lease transaction. Approval amount refers to cash price of merchandise or weekly rental rate if item(s) selected. Approval amount includes outstanding agreements. Total rent-to-own cost will be higher. Number of payments and total rent-to-own cost will vary by items selected. Actual approval amount will vary based on review of application. Not all will qualify. Participating locations only. All items subject to availability and approval. Ownership is optional. You will not own the merchandise until the total amount necessary to acquire ownership is paid in full or you exercise your early purchase option. Customers in NY, HI must pay a processing fee of $10 ($15 in CA). "All Without Credit" means that this is not a credit, loan, or financing transaction. It does not mean or imply that no inquiry will be made of credit history or creditworthiness. We consider multiple data points in reviewing your application and regularly approve customers with less than perfect credit history. See Store Manager for complete details.

† “Skip Every 5th Payment” offer valid on new agreements entered into 6/26/22 through 8/13/22 and refers to “free time” rental extension earned each time you complete four separate payment transactions. The “free time” credit will be in an amount equal to the average days of rent paid the four preceding payments. Free time may be accumulated and can be applied to your next renewal payment but you cannot apply more than 4 weeks of free time benefits at one time. Customer must contact store and elect to use free time, but available free time will be applied automatically to avoid any late payment or fees. Free time will not reduce total amount to acquire ownership or purchase-option amounts.  Customers eligible for this offer must use Promo Code “SKIP5TH” to receive offer.  Pricing and offers valid at participating locations only. See Store Manager for complete details.

^"$10 Pays Your First Week " offer is valid only on new agreements entered into through in-store or online transactions from 6/26/2022 to 8/13/2022. Customers eligible for this offer will pay $10 for the initial rental period until first renewal, up to twelve days. Tax, Processing Fee (if applicable), Loss-Damage Waiver (if selected) and Benefits Plus (if selected) are included in initial rental. $1 will be allocated to Benefits Plus (if selected). Any tax due under state law in excess of remaining $9 will be collected with first renewal payment. After the first week, regular rental rates, taxes, Benefits Plus (if selected) and Loss Damage Waiver fees (if selected) will apply. Regular rate, term and total cost vary by item selected. Offers will not reduce the total amount necessary to acquire ownership or purchase-option amounts. Customers eligible for this offer must use Promo Code "1WEEK4TEN" to receive offer. Cannot be combined with any other promotion. Participating locations only. See Store Manager for complete details.

† "$1 Pays Your First Week" offer is valid on a new agreement for a single item entered 6/26/2022 – 8/13/2022 only. Customers eligible for this offer will pay $1 for the initial rental period until first renewal, up to twelve days. Tax, Processing Fee (if applicable), Loss-Damage Waiver (if selected), and Benefits Plus included (if selected), but fees will be deferred to 1st renewal payment. Offers will not reduce the total amount necessary to acquire ownership or purchase-option amounts. After the first week, regular rental rates will apply. Regular rate, term and total cost vary by item selected. Offer good while supplies last and cannot be combined with any other promotion. Pricing and offers valid at participating locations only. See Store Manager for complete details.

* Tires 'Starting at $19.99 per week' refers to select brands and sizes. Sample pricing is for Ironman Imove Gen2 AS, (225/50R17): $19.99 a week for 65 weeks, Total of All Payments: $1,299.35, Retail Value/Cash Price: $780.00; PA, OH, IA, CT- $19.99 a week for 65 weeks, Total of All Payments: $1,299.35. Advertised rates begin 6/26/2022 and end 8/13/2022. Selected tires will ship directly to an authorized, independent installation center once order has been placed. Once received, installer will make every reasonable effort to install same day. Neither Rent-A-Center nor installer is responsible or liable for any delay in receiving or completing customer's order. To protect tires during life of agreement, Rent-A-Center requires that alignment be within manufacturer's specification. If it is not, you will be required to pay for additional alignment service before install. Installation is included in the rental rate. RACTirePlus is not included with agreement and can be added for additional $3.00/week and does not cover wear or tear. Pricing does not include taxes. Tire agreements are not eligible for optional BenefitsPlus or LDW. If customer needs to return product, the installer will hold customer's previous set of tires for 45 days. Thereafter, customer must provide alternate set of roadworthy tires. See store for more details.

*Bundle and Save 20% or More claim based on the advertised weekly rates of bundled items when compared to non-promotional weekly rates of products if rented separately and will not reduce the total amount necessary to acquire ownership or purchase-option amounts. Taxes and additional fees are excluded. Offer applies to agreements for new merchandise entered into in-store or online transactions prior to 12/31/2022. Products displayed are representative only; available product bundles may vary by store. Offer good while supplies last and cannot be combined with any other promotion. Participating locations only. See store for details.

†Savings claims based on the advertised weekly rates when compared to non-promotional weekly rates and will not reduce the total amount necessary to acquire ownership or purchase-option amounts.