How RAC Works

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

Why We Do What We Do: A Family Coordinator Finds More Down Time With Rent-to-Own

A Rent-A-Center customer in Pittsburgh, LaQuandra, works as a family coordinator with families and children in crisis and lives in an apartment with her boyfriend. Together, they’re working to create a home base that can serve as a serene place to unwind after work, as well a comfortable area to host family and friends for dinner and game nights.

In this video, she shares how the flexibility of rent-to-own has allowed her to enjoy more down time and comfort at home.