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How Rent-A-Center Works

Create Holiday Joy, Not Holiday Debt.

Imagine having the freedom of getting the best brands for the holidays and making small payments as you go -- all without needing credit, putting it on layaway or sacrificing your holiday budget. At Rent-A-Center it's easy, because Magic Happens Here:

No Credit Needed to Deck the Home.

All you need to start shopping and more are three things: a residence, a job, and a few references. You never need credit to take home the latest and greatest appliances, furniture, electronics, computers and smartphones from the brands you know and love.

Big Gifts. Small Payments.

Small, flexible, affordable payment options can make holiday shopping even easier and more convenient. You'll also enjoy peace of mind knowing that delivery, set-up and product service are always included.** You can even start your application online or find a Rent-A-Center location near you right now.

Better Than Layaway: Take It Home Today.

Unlike shopping on layaway, you don't have to wait to bring it home and enjoy your merchandise. Take it home today and make small payments as you go. It's that simple. You'll also be able to choose the payment option -- weekly, semi-monthly or monthly -- that works best for your budget.

Once you finish your payments, you own it. It's that easy, because MAGIC HAPPENS HERE.

About RAC Products


Just choose the products you want, and we'll give you the payments, freedom and flexibility you need to get it today. No credit needed, no growing interest - ever. Guaranteed.

Credit Versus RAC


Why is Rent-A-Center better than using a credit card?
Click here to find out.

Have a Question?


Visit our FAQs or send a message to our
Rent A Center Customer Care representatives.