How RAC Works

Upgrade at Any Time with Rent-A-Center

It’s a bummer to take home a washing machine and discover it doesn’t meet the needs of your growing family. Or maybe your style has evolved, and you wish you had an updated sofa. Or perhaps you just want a newer smartphone.

If you find you need a newer, larger, or more powerful item than the one you’ve got, you’re in luck: With Rent-A-Center’s upgrade benefit, you can trade in your existing item for a new one, at any time, as long as your lease agreement is in good standing.

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Join Rent-A-Center’s The Inner Circle

We want to hear from you! Join Rent-A-Center’s The Inner Circle to share your thoughts and opinions about our advertising, products, store experience, and much more. Fun weekly activities include discussions, surveys, and live chats. You also can talk with other members in the community.

To thank you for your valuable insight, each month you will have opportunities to receive RAC coupons, as well as qualify for monthly gift cards to the place of your choice.

To get started, register with The Inner Circle to see if you qualify. If you do, you will be asked to create a member profile. Once you are a member, you can click on any of the activities you see on The Inner Circle page. We post information for your input, and you’ll get emails alerting you to new activities.

We look forward to having you in our community.

Big Brands, Small Payments, All Without Credit: What It Means at RAC

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You’ve seen the words: big brands, small payments, all without credit. But what do they mean? At Rent-A-Center, we make it easy, convenient, and affordable for everyone to have a direct path to owning furniture, electronics, computers, appliances, and smartphones from the world’s top manufacturers.

Here’s what you need to know about how RAC works — and how easy it is to get the best products from the brands you know and trust.

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Get Peace of Mind with Payment Freeze Assurance

Payment Freeze Assurance

Life happens. Sometimes you have an unexpected expense or find you need to conserve funds for a while. When situations like this pop up, Rent-A-Center has your back. With Payment Freeze Assurance, you can pause your payments if and when you need to. Try that with a credit card company!

How It Works

Payment Freeze Assurance is a part of RAC’s Worry-Free Guarantee, our promise to do whatever we can to ensure you have the products you need without layaway or expensive interest. Payment Freeze Assurance guarantees that you can stop your payments at any time during your lease agreement. Simply return the item and pause your payments – then when you’re ready, you can either get it back or purchase a comparable item. As for the money you’ve already paid toward the item, it stays put. Those funds will still apply to the purchase price, even if you choose to upgrade to a newer or different item. At RAC, you’re never locked into a long-term commitment, and you never accrue debt because you can stop paying at any time.

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Give the Gift of Rent-A-Center Products During the Holidays

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The holiday season can be hard on your wallet, especially when it comes to buying thoughtful gifts for the ones you love most. Fortunately, there’s an alternative: At Rent-A-Center, you can give big gifts for small payments. It’s better than layaway because you take the products you want home today, and you’ll create holiday joy—not holiday debt—with no credit needed. Here are a few of the products available at Rent-A-Center that you’ll want to add to your holiday wish list.Read Story

5 Ways to Make the Most of Black Friday Shopping


On Black Friday in 2015, there were 49,000 sale items. This year, BlackFriday.com predicts that 2016 deals will reach 52,000. If the thought of nabbing one these crazy deals makes you as giddy as a five-year-old on Christmas Eve, then the following tips will help you make the most of Black Friday shopping at Rent-A-Center. With a little pre-planning, getting deals in time for the holidays can be easy — because Magic Happens Here.  Read Story

3 Ways to Make Magic Happen at RAC During the Holidays

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For all of the excitement and joy that gift-giving brings, holiday shopping can sometimes be daunting, stressful and expensive. Fortunately, Rent-A-Center has a few ways to help you save money and stay focused on the important reasons for the season: family, friends and celebrating everything that you are grateful and thankful for. Learn how Magic Happens Here at Rent-A-Center this holiday season.Read Story