At Rent-A-Center, You Don’t Need Credit

Cutting a credit card

At Rent-A-Center, your credit history isn’t on our radar. In fact, to begin shopping for furniture, appliances, electronics, computers, or smartphones, you need just three things: a place to live, a job, and a few references. With our long list of must-have name-brand products, you can get what you want and need without the stress.

Here are the benefits of Worry-Free Shopping at RAC — with no credit needed.

Put Away Those Credit Cards
Whenever you purchase items with a credit card, you pay extra over the life of your payment cycle in the form of interest and fees. These charges can add up fast, especially for double-digit interest rates, which is usually the case. At RAC, you have more options.

Speedy Application Process
You can start your application process online, and then finish the paperwork in the store. Enter your ZIP code here and we’ll let you know which store is closest to your location.

Pick Your Way to Pay
At RAC, you decide how you want to pay — without using credit. There’s no long-term contract, and you get the same or better flexibility with your payments. Choose the 90 Days Same as Cash option and pay off the item in three months to own it at the cash price. You can also opt to set up weekly, semimonthly or monthly payments.

Freeze and Restart Payments
When you purchase an item using traditional credit methods, you’re locked into a payment schedule even in the event of an emergency. But at RAC, you have the ability to freeze your payments anytime. Simply return your product to your store, and stop your payments for as long as you need. Restarting an agreement is quick and painless.*

Take control with your purchases at RAC. With no credit needed and the option to freeze payments or upgrade at any time, you have peace of mind with every shopping experience.*

*To restart an agreement on a returned product, Rent-A-Center will retain your payment records for two years. Thereafter, simply bring in your last payment receipt for reinstatement. For model upgrades, simply return the product you are currently renting and open a new agreement for another model. You can return your product and freeze your payments.