How RAC Works
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.