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

Woman sitting on a leather sofa with cupholder

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.

Flexible Payments
At RAC, you can shop the brands you know and trust. And you can get the items you want with payments that fit your budget.

For example, you can choose weekly, semimonthly, or monthly payments without a long-term commitment or growing interest. Pay off the balance whenever you want. That’s empowering!

We also will match your payments dollar for dollar if you decide to pay off an item early. This means you save more and own the product faster.

Reap the Benefits
With flexible payment options and payment freeze assurance, RAC empowers you to shop on your terms for total peace of mind. But those are not the only benefits to shopping with us.

Delivery and setup are included with every agreement. That means you don’t pay extra to get that washer and dryer set or large TV delivered to your house — and it often arrives that same day.

Also included are product service and repairs. If something goes wrong with a product, we’ll repair it quickly at no additional cost. We’ll even provide a loaner if you need one.

No Credit Needed
RAC invites you to rent to own, regardless of your credit history. There are no sky-high interest rates or fees, and everyone pays the same price, regardless of credit standing.

When you rent to own, you don’t build up any debt, and you can pay off an item early* and save on the remaining balance.

Brands You Know
RAC features some of the world’s most popular and trusted brands, such as Ashley Furniture, Frigidaire, and Samsung. Every item in our lineup has been selected based on quality, durability, style, functionality, and value.

RAC was created just for you. The rent-to-own process begins with a quick application that you can fill out here. Visit your nearest store or shop online for big brands and small payments — all without credit.

*“50% early purchase option” allows for purchase of the product any time after the first 90 days at 50% of the remaining total cost (total cost minus all rental payments made to date), plus applicable sales tax.  Not available in MI, WV, DE, NE, NJ, SC, and VT .