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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 ($18 in CA).  Contact your store for details.  

 


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Disclaimers

*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). Pricing valid 12/3/2023 to 12/23/2023. Offer good while supplies last and cannot be combined with any other promotion. The "Total of All Payments" does not include applicable sales taxes or optional fees and other charges (such as late charges) that you may incur. Customers in certain states may be required to pay a processing fee, including a $10 fee in NY & HI and up to $18 in CA. Advertised rental rates and terms are for new merchandise at participating locations. Prices not valid outside U.S. "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.  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.


^"$10 Pays Your First Week "offer is valid only on new agreements entered into through in-store or online transactions from 12/23/2023 to 12/23/2023. 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. On your first renewal date, 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. Some exclusions apply. Not all customers or rental agreement transactions will qualify.  See Store Manager for complete details.


¥”12 Drops of Christmas” participants will receive a daily text from Rent-A-Center with promotional offers during the time period 12/4/23 to 12/15/23. Quantities of promotional merchandise will be limited and made available on a first come, first served basis. Quantities of available promotional merchandise will vary daily and once the daily quantity is depleted, the promotion for that day will no longer be available. Rent-A-Center does not guarantee a specific daily quantity of eligible merchandise and reserves the right to modify promotional items based on product availability. Promo codes/offers will not be eligible to apply on daily drop merchandise. Product selection in Puerto Rico and locally owned & operated stores may vary. Eligibility subject to rental application approval. Participating locations only. 

†Sample pricing is for Samsung 75” TV (UN75CU7000FXZA) and reduces weekly rental rate from $30.99 per week to: $24.99 a week for max 109 weeks, Total of All Payments (max): $2,707.06, Retail Value/Max Cash Price: $1,353.53; GA cost of lease services $1,050.12, PA cost of lease services $1,050.12, WV retail value $899.91, WV RTO charge $1,259.87.  Advertised rates begin 12/3/2023 and end 12/23/2023.

**“The No Credit Option” or “Without using 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. 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. Product, condition and selection vary by location. Participating locations only. See Store Manager for complete 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. Exercising a Same As Cash option requires a separate payment in addition to your rental renewal payments. To make this payment, please contact your store or go to https://www.rentacenter.com/en/myaccount/payonline-getstarted. See agreement for details. 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 and Curbside Pickup 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. PS5 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 certain states may be required to pay a processing fee, including a $10 fee in NY & HI and up to $18 in CA. Advertised rental rates and terms are for new merchandise at participating locations.  "Without using 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.

†"$1 Pays Your First Week" offer is valid on a new agreement for a single item entered 12/3/2023 to 12/23/2023 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. On your first renewal date, 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 All Country All Terrain (TV153000991): $19.99 a week for max 30 weeks, Total of All Payments (max): $599.70, Retail Value/Max Cash Price: $359.82; GA cost of lease services $239.88, PA cost of lease services $239.88, WV retail value $293.36, WV RTO charge $410.70.  Advertised rates begin 12/3/2023 and end 12/23/2023. 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 12/23/23. 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.