Skip To Navigation Skip To Content Skip To Footer

How Rent-A-Center Works

See how easy it is to shop your way,
so you can live your life worry-free.

So Much Freedom. So Much Flexibility.


Why wait? Get new and "like-new" home furnishings today from the most-wanted brands. Learn how Rent-A-Center and the Worry-Free Guarantee give you flexible options and extra perks, so you can shop with 100% peace of mind:

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.**

Plus, we offer product service and repairs at no extra charge for the life of your agreement.**

RAC Versus Credit


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.


Rent to Own in 3 Easy Steps

Rent to own lets you enjoy big-ticket items like furniture, appliances, electronics, computers, and smartphones without paying full price up-front. At Rent-A-Center, there’s no credit needed** and no long-term commitments. Here’s how it works.

Step One: Start Your Rent to Own Order

Browse top brands such as Ashley Furniture, Samsung, Whirlpool, and Dell. To get started, click the "Start Your Order" button on any product page.

Having trouble selecting your product? Simply begin your order online or visit the Rent-A-Center nearest you and our friendly store associates will help you find the product that meets your needs.

Step Two: Complete Your Order with No Credit Needed**

After submitting your online order, expect a call the same day to finalize your order details and set up your rent to own payments and delivery time. Free same-day delivery** is available! If your order is submitted after 5 p.m., we’ll call the next day.

Step Three: Relax & Take 6 Months to Pay the Cash Price*

Now it’s time to enjoy the peace of mind that comes with rent to own and RAC’s Worry-Free Guarantee. With 6 Months Same as Cash, you can own it sooner and for less! (In CA, HI, NY, & WV, the same-as-cash period varies from 4 to 6 months depending on the item.)

Even after your same-as-cash period, you’ll save on your remaining total when you choose to own your item early and take advantage of our Early Purchase Discount.