RAC Benefits

With our Worry-Free Guarantee, you get to enjoy the name-brand items you want at a payment you can afford, with the option to own when you're ready.

The No Credit Option The No Credit Option

Our flexible rental-purchase transactions are not credit, loans, or financing transactions. You can get the things you want for your home without using credit you may have or increasing your debt.

“The No Credit Option” doesn’t mean that no inquiry will be made of credit history. When reviewing your application, we will consider multiple data points in reviewing your application and regularly approve customers with less than perfect credit history.

Ownership Options For You Ownership Options For You

Choose the ownership option that works best for your budget.

Option 1: Small Flexible Payments
At Rent-A-Center, you renew your rental agreement as you go. We work with you to get the right items at the payment amount and schedule that works for you.

When you make all of the payments listed in the lease agreement, it’s yours. No further obligation, no further payments.¹

¹North Carolina residents must pay an end-of-lease purchase option to obtain ownership.

Option 2: Own it When YOU are Ready
Want to own it sooner and save? You always have an Early Purchase Option² that will save you money compared to paying the total cost to own in your lease. When you’re ready to own, simply pay the early purchase price and it’s yours! The sooner you choose, the more you’ll save.
- Own it in 4-6 months for the greatest savings. In most states, we offer 4 or 6 months (depending on the product) “same as cash” as our lowest Early Purchase Option price. Simply bring in the difference between what you’ve paid in rent (not incl. taxes or optional fees) and the original cash price, plus tax, before the Same as Cash period ends and you’ll own it at the lowest cost. Ask a store or review your agreement for more details.
- Standard Early Purchase Option. After the Same as Cash period ends, you still have the option to own the merchandise early and save. Throughout the life of your agreement, the Early Purchase Option provides significant savings off of the remaining total cost to own when you choose to purchase items before the end of your agreement. This savings can be as much as 50% off of the remaining cost to own.
  
  ²Early Purchase Option requires a payment in addition to regular rental payments.

Option 3: Pick up where you left off
If for some reason you need to pause your payments, simply return the product. When you’re ready, you can get it back (or a comparable item), and pick up where you left off.

Competitor Price Match Competitor Price Match

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

Free Same-Day Delivery Free Same-Day Delivery

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

Easy Payment Options Easy Payment Options

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.

Free Product Repairs Free Product Repairs

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

RAC Benefits

With our Worry-Free Guarantee, you get to enjoy the name-brand items you want at a payment you can afford, with the option to own when you're ready.

The No Credit Option The No Credit Option

Ownership Options For You Ownership Options For You

Choose the ownership option that works best for your budget.

Option 1: Small Flexible Payments
At Rent-A-Center, you renew your rental agreement as you go. We work with you to get the right items at the payment amount and schedule that works for you.

When you make all of the payments listed in the lease agreement, it’s yours. No further obligation, no further payments.¹

¹North Carolina residents must pay an end-of-lease purchase option to obtain ownership.

Option 2: Own it When YOU are Ready
Want to own it sooner and save? You always have an Early Purchase Option² that will save you money compared to paying the total cost to own in your lease. When you’re ready to own, simply pay the early purchase price and it’s yours! The sooner you choose, the more you’ll save.
- Own it in 4-6 months for the greatest savings. In most states, we offer 4 or 6 months (depending on the product) “same as cash” as our lowest Early Purchase Option price. Simply bring in the difference between what you’ve paid in rent (not incl. taxes or optional fees) and the original cash price, plus tax, before the Same as Cash period ends and you’ll own it at the lowest cost. Ask a store or review your agreement for more details.
- Standard Early Purchase Option. After the Same as Cash period ends, you still have the option to own the merchandise early and save. Throughout the life of your agreement, the Early Purchase Option provides significant savings off of the remaining total cost to own when you choose to purchase items before the end of your agreement. This savings can be as much as 50% off of the remaining cost to own.
  
  ²Early Purchase Option requires a payment in addition to regular rental payments.

Option 3: Pick up where you left off
If for some reason you need to pause your payments, simply return the product. When you’re ready, you can get it back (or a comparable item), and pick up where you left off.

Competitor Price Match Competitor Price Match

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

Free Same-Day Delivery Free Same-Day Delivery

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

Easy Payment Options Easy Payment Options

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.

Free Product Repairs Free Product Repairs

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

Shopping FAQs

Do I need a good credit score to rent from Rent-A-Center? Do I need a good credit score to rent from Rent-A-Center?

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

Does Rent-A-Center report to the credit bureau? Does Rent-A-Center report to the credit bureau?

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.

What information will I need to rent from Rent-A-Center? What information will I need to rent from Rent-A-Center?

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

What is Rent-A-Center's return policy? What is Rent-A-Center's return policy?

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.

How much do I need to start an agreement at Rent-A-Center? How much do I need to start an agreement at Rent-A-Center?

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.

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RAC Benefits

RAC Benefits

RAC Benefits

Shopping FAQs