Flexibility and smart financial choices go hand in hand. Whether you’re furnishing your first apartment, upgrading your family’s living room, or replacing an appliance in a pinch, renting to own might be your golden ticket.
So, how does rent-to-own furniture work—and more importantly, is rent-to-own furniture a good idea? Let’s break it down.
What Is Rent to Own Furniture?
Renting-to-own allows you to get the pieces you want now—without the need for a large upfront payment—until you fully own them. Instead, you make manageable weekly, bi-weekly, or monthly payments over time. You get to use the items while making payments, and once all payments are completed, the furniture is yours to keep.
How Does Rent-to-Own Furniture Work?
You choose the items you want, set up a payment schedule that aligns with your budget, and start enjoying your furniture right away. You can obtain ownership early by exercising an Early Purchase Option or take full advantage of our 4-6 Months Same-as-Cash option. If flexibility and peace of mind are high on your list, renting to own lets you stay in control.
Why Renting to Own Furniture Is a Good Idea
If you’ve ever wondered, “Is rent to own furniture worth it?” the answer depends on your lifestyle and needs. For many people, it’s not just worth it—it’s empowering. Rent-A-Center makes high-quality furniture and appliances accessible to everyone, especially those who prefer a budget-conscious and clear path to ownership.
At Rent-A-Center, we believe in helping customers own their own way—and here’s exactly how we do it.
1. No Credit Needed – A Fresh Start
Not everyone has a perfect credit history, and that’s okay. Building credit is a journey, not just the destination. So when we say “all without using credit,” we mean it. You can shop worry-free, regardless of your financial history.
Does this benefit come in handy in real life? You bet. Maybe your fridge just stopped working, and payday is still a week away. Instead of waiting or borrowing money, you can get a replacement fridge quickly without worrying about a credit score. Plus, we offer delivery where available, so there’s no need to pay extra or rent a truck or van to pick it up.
2. Flexibility That Fits Your Life
Life can be unpredictable. Scratch that. Life IS unpredictable, and a rigid payment plan doesn’t always work for everyone. Rent-A-Center gets that.
Imagine your work hours were cut this month. With a traditional financing plan, you might face late fees or penalties. With rent-to-own, you have more flexibility to adjust your payments and a wide range of products to select from. Rent-A-Center opens the doors so you can choose what fits your needs now, not five years down the line.
Here are just a few more ways Rent-A-Center takes real life into account when making sure you’re supported:
Flexible Payment Options
Maybe you get paid bi-weekly or receive income on a monthly basis. Rent-A-Center understands that what works for one doesn’t work for all. That’s why we allow you to choose weekly, bi-weekly, or monthly payment schedules that fit your budget and lifestyle.
No Long-Term Commitment
Not sure if you want to commit to a new piece of furniture or appliance? Rent-to-own allows you to return an item in good condition anytime if it no longer meets your needs.
Say you just got a giant flatscreen from Rent-A-Center, but then find out you’ll be adding a new family member soon! (How exciting!) Or, maybe you’re testing out a new style in your apartment. If you decide an item is not right for you, you’re not stuck with it—just return it or exchange it with no long-term obligations.
RAC Exchange
Need to swap out your product for something that suits your space or style better? Take advantage of RAC Exchange*, an exclusive feature that allows you to upgrade or change your rented item at any time within the first six months of your rental purchase agreement. Whether your taste changes or your needs evolve, Rent-A-Center gives you the freedom to adapt without penalty.
3. Ownership Options That Put You in Control
One of the best parts of Rent-A-Center’s rent-to-own model is the power of choice. You can continue renting by making all regularly scheduled rent renewal payments, you can obtain ownership by exercising an Early Purchase Option, or exchange or return it if your needs change. There’s no pressure to buy before you’re ready.
- 4-6 Months Same as Cash: Pay off your item in six months or less, and it’s yours at the same as cash price.
- Early Purchase Discounts: Save money by paying off your balance sooner.
- Rent-to-Own Flexibility: Pay over time while enjoying the benefits of using your furniture immediately.
4. Your Satisfaction is Our Ultimate Goal
Rent-A-Center isn’t just about getting furniture—it’s about getting a great deal with confidence. With our commitment to customer satisfaction, you can shop top brands like Ashley Furniture, LG, Whirlpool, and more. And if you find the same item for less elsewhere, Rent-A-Center offers a competitor price match promise, so you always know you’re getting a great deal.
What if you’re not happy with your purchase? Take advantage of our 7-day money-back guarantee. With Rent-A-Center, you’re not just renting a couch, laptop, or bedroom set—you’re getting a full-service experience designed to make your busy life easier.
5. Top-Notch Service That Has Your Back: Product Service and Repair Benefits
At Rent-A-Center, we don’t just talk about service—we deliver it (literally). Delivery, setup, and repairs—it’s all included. Big, bulky furniture and appliances? We deliver them for free. Something stopped working? We’ll fix it.
Getting large items delivered can be expensive, and repairs on appliances or electronics add up quickly. As Cinch Home Services notes, “The overall national average for appliance repair costs is $175, with $50 to $500 being the typical range.” But with rent-to-own, service is part of the package. No surprise bills, no hauling headaches. Just convenience, support, and peace of mind.
6. Multiple Ways to Pay
At Rent-A-Center, flexibility doesn’t stop at what you rent. It extends to how you pay, too. That’s why Rent-A-Center makes it super simple to keep up with your payments, wherever you are.
To make a quick and secure payment on the go, visit our online payment center or download the Rent-A-Center app for Android or iOS. Prefer the ease of Cash App? That’s an option, too! Simply log into MyAccount online or through the Rent-A-Center app and choose Cash App Pay as your payment method. Either way, you can track your payment history, set reminders, and even manage agreements right from your phone.
Not a fan of tech? No problem. Stop by your local store or call in your payment. You can also use a credit card or opt to pay in cash if preferred.
Why Rent-to-Own From Rent-A-Center?
You likely have your pick of the litter when it comes to rent-to-own stores. However, if you truly want a world-class experience that puts you in control of your finances and household, Rent-A-Center is definitely the way to go.
At its core, Rent-A-Center is about empowering people from all walks of life. We believe everyone deserves to live in a home they love with the products that make their lives easier, regardless of budget or credit history. That’s why customer satisfaction is baked into every aspect of what we do—from helpful in-store associates and flexible payment options to easy online shopping and the ability to own your own way.
When shopping in our stores, you don’t just walk away with furniture—you walk away with confidence.
Take Control of Your Home Shopping with Rent-A-Center
Whether you need a new sofa, bedroom set, or the latest appliances, we offer a smarter path to ownership—all without using credit. With Rent-A-Center, you get the flexibility, affordability, and confidence you need to own your own way. Ready to furnish your space? Shop online or at a Rent-A-Center store near you today!
FAQ: Your Rent-to-Own Questions Answered
Is there a rent-to-own option for furniture with bad credit?
Yes! Shop til you drop all without using credit! Whether you have excellent credit, low credit, or no credit history at all, you can still apply to get high-quality furniture, appliances, and electronics through Rent-A-Center’s flexible rent-to-own agreements.
Is Rent-A-Center worth it for furniture?
Absolutely! With flexible payment plans, early purchase discounts, price matching, and free delivery, Rent-A-Center provides an easy, stress-free way to furnish your home without the financial burden of a traditional loan or credit card.
*“RAC Exchange” program valid for agreements entered at select locations, is available to new and existing customers and applies to inventory obtainable by store location. Cash price of the item selected for exchange may not exceed approval amount, which is subject to validation and adjustment prior to exchange and may vary from original approval amount. Exchange requires execution of rental agreement for item selected for exchange, which must be completed within six (6) months following the first active rental date of item being returned for exchange. Agreement for item being returned for exchange must be in good standing (with all rental payments current) at the time of exchange and product must be in good condition. Rent paid for prior agreement will be applied to reduce the total cost to own for the replacement agreement but rent paid may not be applied in full to Same As Cash amount for replacement agreement. Any applicable Same As Cash period will apply to new agreement based on product selection and agreement term. The amount of rent paid from prior agreement eligible for application to Same As Cash amount for replacement agreement may vary from 40% to 66%, depending on your state of residence. Exchanges under program may not be combined with other discounts, offers or promotions. Participating locations only. Eligible items only. All items subject to availability and approval. See Store Manager for complete details.