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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.**

Credit Card

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 Credit

  • 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**

We Make It Easy To Make It Your Own