Why Should You
Rent-To-Own with RAC
Enjoy the best brands on any budget, without having to rely on credit. Yeah, you can do that.
So Much Better Than Credit
As a consumer with many options when it comes to shopping, we know the choices can be overwhelming. When it comes to renting furniture, appliances, computers, electronics and smartphones, Rent-A-Center is your best choice. Rent-A-Center does not require credit. We do not lock you into long contracts. And, you can cancel anytime.*
Rent-A-Center is a resource for whether you need us to temporarily replace a washer that's in the repair shop, or would like to rent-to-own your kid's laptop for college, we are always here to help.
See for yourself how Rent-A-Center gives you freedom, flexibility and buying power that a credit card simply can’t.
No credit needed to get the best brands.
Never borrow, but simply pay as you go on your way to ownership.
Everyone pays the same fixed weekly, semi-monthly or monthly amount.
There’s never a long-term contract. Once you stop paying or you own it, you’re done.
Never build up debt; stop anytime you want. Or pay off early and save on the remaining total cost.
Never goes on your credit report.
Service while you make payments is included at no extra cost.**
Freeze payments whenever you need;** pick back up when you’re ready.
Upgrade to newer products and technology as often as you want.**
Buying With A Credit Card
Your approval depends on your credit rating.
You’re borrowing money from a bank.
Interest payments may be higher based on credit rating.
You’ll be paying on the interest years after you pay off the actual product.
The interest keeps growing, so you go deeper into debt the longer you pay.
Fall behind and damage your credit, which results in higher interest rates.
Have to buy additional service/warranty plan, or pay for repairs out of pocket.
Have to keep paying until it’s completely paid off.
Stuck paying for products regardless of whether you still want/use them.
Choose the worry-free payment option that works for you with no credit needed and no growing interest!
See The Worry-Free Guarantee
- No long-term contract
- Pay as you go with flexible payment options
- Pay a little at a time
- You’re never stuck with a product you don’t want
- It's all about YOU
- Delivery, service and more included at no extra charge**
Why Should I Rent to Own?
As a consumer, you have many options for purchasing your furniture, appliances, computers, electronics, and smartphones. This can seem a bit overwhelming, but we can help. Here’s what you need to know about the benefits of rent to own at Rent-A-Center:
Rent-A-Center has the brand names you know and trust, including Acer, Ashley Furniture, Dell, Frigidaire, GE, Lenovo, LG, Microsoft, Samsung, Sony, and others. These companies have been selected based on their long, distinguished track records of quality, durability, style, and innovation, which means we carry only the best rental electronics, appliances, computers, furniture, and smartphones.
Instant Gratification, No Worries
With rent to own, you can enjoy big-ticket items from brands like Ashley, Samsung, and Frigidaire without paying the full price up front. Rent-A-Center offers a Worry-Free Guarantee , so you can take home that smart TV, sectional, dining room set or laptop knowing that you are in control with flexible payment options, Payment Freeze Assurance, free repairs, and more. **
Better Than a Credit Card
When you rent to own, you pay as you go. Your rental application doesn’t require a credit check, no credit is extended, and no debt is incurred. Rent-A-Center doesn’t lock you into long commitments, and you can cancel anytime. **
Enjoy brands like Ashley, Samsung, and Frigidaire on any budget with rent to own at Rent-A-Center, without relying on credit.