Rent to Own Furniture

Save Money & Get Stylish Furniture Now!

Are you looking for the perfect furniture piece, like a beautiful living room set or dining room ensemble, to complete your home, but don’t have the money to purchase it outright? Are you seeking a way to get brand name furniture, like Ashley Furniture, on a budget? If so, then rent-to-own furniture may be the perfect solution for you! Rent to own programs allow for flexible monthly payment plans and options and even offers an early purchase option.

Rent-to-own (RTO) furniture, is a great choice for those looking to save money and still get stylish furniture. With rent-to-own furniture, you can rent various furniture styles for a set period of time, usually anywhere from a few months to a few years. At the end of the rental period, you have the option to sign up to purchase the furniture or return it, ending the lease agreement.

Rent-to-own furniture is often more affordable than purchasing furniture outright. It also allows for more flexibility, as you can change out your furniture as often as you’d like without having to worry about the cost.

There are many benefits to choosing rent-to-own furniture over purchasing furniture outright.

Here we list the financial and convenience benefits of rent to own furniture:

Financial Benefits:

1. Affordable Payments: Rent-to-own furniture typically has lower monthly payments compared to buying furniture outright, making it easier for people with limited budgets to afford high-quality furniture.
2. No Credit Check: Rent-to-own furniture is usually offered without the need for a credit check, making it a good option for people with poor credit or no credit history.
3. No Large Down Payment: Rent-to-own furniture usually does not require a large down payment, making it easier for people to start furnishing their homes right away.

Convenience Benefits:

1. Flexibility: Rent-to-own furniture allows customers to choose the furniture they want and return it when they no longer need it, giving them the ability to change their minds or upgrade their furniture as their needs change.
2. Immediate Access: Rent-to-own furniture provides immediate access to furniture, allowing people to furnish their homes immediately without having to wait to save up for a large purchase.
3. No Delivery Charges: Rent-to-own furniture often comes with free delivery, installation, and pickup, making it a great option for people who do not have the means to move furniture themselves.

Rent-to-own furniture stores can typically be found in many major cities and towns in the United States. You can start your search by using online directories such as Google Maps or Yelp to find nearby stores. You can also search for rent-to-own furniture stores on the websites of popular chains such as the popular rent to own furniture stores listed below.

These stores usually have multiple locations in different states, so you may be able to find one near you by searching on their websites.

• Rent-A-Center:Rent-A-Center is a rent-to-own furniture and electronics retailer in the United States. This company provides customers with the opportunity to rent furniture, appliances, and electronics for their homes with the option to purchase the items at the end of the rental period. They offer flexible payment options, including weekly, bi-weekly, or monthly payments, with no credit check required.
• Buddy's Home Furnishings: Buddy's Home Furnishings is a chain of rent-to-own furniture stores. They provide customers with the option to rent furniture, appliances, electronics, and computers with the option to purchase at the end of the rental period. Buddy's Home Furnishings offers flexible payment options, no credit checks, and fast delivery to make it easy for customers to get the furniture they need. The company operates in several states across the United States.
• Aaron's: Aaron’s is a national rent to own company that has over 1,000 locations in the U.S. Aaron's, Inc. is an American lease-to-own retailer that provides customers with the opportunity to rent furniture and other items for customer’s homes with the option to purchase the items at the end of the rental period. Aaron's offers flexible payment options, including weekly, bi-weekly, or monthly payments, with no credit check required.
• Aarons HomePlus: Aaron's HomePlus is a subsidiary of Aaron's, Inc., a leading lease-to-own retailer in the United States. Aaron's HomePlus specializes in offering furniture, appliances, and electronics for rent-to-own. The company provides customers with the opportunity to rent furniture and other items for their homes with the option to purchase the items at the end of the rental period. Aaron's HomePlus offers flexible payment options, including weekly, bi-weekly, or monthly payments, with no credit check required.
• ColorTyme: A nationwide rent-to-own chain that offers furniture, electronics, appliances, and more, ColorTyme is known for its wide selection of quality products and flexible payment options.
• Ashley Furniture: Ashley Furniture Industries, Inc. is an American furniture manufacturer and retailer that operates over 700 Ashley Furniture HomeStore locations worldwide. Ashley Furniture offers a wide range of furniture products, including living room furniture, bedroom furniture, dining room furniture, home office furniture, and more. They are known for their stylish and affordable furniture that is made with quality materials and attention to detail. Ashley Furniture also offers a rent to own program with progressive leasing options and no credit needed.
• Big Lots: Big Lots is an American retail company that operates a chain of discount stores offering a wide range of products, including furniture, home goods, electronics, toys, clothing, food, and more. The stores offer a mix of brand name products and closeout merchandise at discounted prices, and customers can find good deals on both new and used items. Big Lots operates over 1,400 stores in 47 states, and offers rent-to-own furniture with no credit checks and flexible payment options.
• Gardner-White: Gardner-White is an upscale furniture store that offers rent-to-own furniture through progressive leasing, with no credit check and the option for an early purchase.

These are some of the most popular rent-to-own furniture stores in the United States. Keep in mind that availability and selection of products may vary by location.

When looking for the best place to rent furniture that you can eventually own, there are a few things to consider:

1. Research different companies: Look for companies that offer rent-to-own furniture and compare their prices, selection, and terms. Read customer reviews to get an idea of the quality of their products and service.
2. Consider credit requirements: Some companies may have strict credit requirements, while others may be more flexible. Keep in mind that if you're planning on eventually owning the furniture, you'll want to make sure you can meet the credit qualifications.
3. Look for early purchase options: Some companies may allow you to purchase the furniture at a discounted price before the end of the rental term. Make sure to check if the company you're considering offers this option.
4. Check the delivery and setup fees: Some companies may charge additional fees for delivery and setup. Make sure to factor these costs into your decision.
5. Compare the prices: Compare the prices of the different companies and the prices of the furniture you're interested in. Make sure to also check if there are any additional costs such as late fees and additional payments.
6. Check the flexibility of the rental agreement: Some companies may offer flexible rental terms, such as the ability to upgrade or change your rental items, while others may have more rigid terms.
7. Check the quality of the furniture: Make sure to check the quality of the furniture that you are planning to rent and eventually own, this will ensure that you are getting a good deal and quality product.

Below we use 2 examples of the steps you can follow to rent to own furniture, and how to benefit from flexible payment options:

To rent to own furniture at Aaron's Rental, you can follow these steps:

1. Visit the Aaron's Rental website or a local store near you to browse their wide selection of home furniture.
2. Peruse their furniture selection and decide on the furniture styles you would like to rent, perhaps a beautiful living room set or a traditional dining room ensemble.
3. Take time to review the lease agreement and any requirements, such as credit checks and credit qualifications.
4. Complete the application process, which may include providing personal information and a valid ID. It's simple to apply online or in-store.
5. Once your application is approved, make your first monthly payment, a great cash option, for the first month's rent and any applicable fees, ensuring you avoid any hidden fees.
6. Schedule a delivery date for your rented furniture to be delivered to your home, with many locations offering same day delivery.

Please note that the process may vary depending on the location and the availability of the furniture.

To rent to own furniture at Rent-A-Center, you can follow these steps:

1. Browse the selection: Visit the Rent-A-Center website or a local store to browse the selection of furniture available for rent. Look out for their latest deals on Ashley furniture and more.
2. Choose your items: Once you've found the furniture you're interested in, select the items you want to rent and add them to your cart.
3. Select a rental plan: Rent-A-Center offers several different rental plans to choose from, including weekly, bi-weekly, and monthly payment options. Select the plan that best fits your budget and needs.
4. Submit your application: Complete and submit a rental application, which may include providing proof of income and a valid ID. You can apply online for a more convenient process.
5. Sign the lease agreement: Review and sign the lease agreement, which outlines the terms and conditions of your rental, like the option for early purchase and the lack of a big upfront payment.
6. Make your first payment: With options like online payment and bank account debits, make your first payment, which includes the initial rental fee, any applicable taxes, and a refundable security deposit.
7. Schedule delivery: Schedule a delivery date and time that works for you to have your furniture delivered to your home.
8. Enjoy your furniture: Once your furniture is set up and you begin to pay your affordable weekly or monthly payments, enjoy it in your home.

Pros of Rent-to-Own Furniture

• Flexibility: Rent-to-own furniture offers a flexible payment options for those who may not have the funds to make a large upfront payment.
• No credit check: Many rent-to-own stores do not require a credit check, making it a good option for people with poor credit or no credit history.
• Convenient delivery and setup: Rent-to-own stores often offer delivery and setup services for the furniture, making it easy for you to get your home furnished.
• Upgrade options: With rent-to-own furniture, you have the option to upgrade to newer models or different furniture styles as your needs or tastes change.
• Owning the furniture: At the end of the rental period, you have the option to purchase the furniture, which can be a more affordable way to own furniture over time, without a big upfront payment.

Cons of Rent-to-Own Furniture:s

• Higher cost: Rent-to-own furniture is often more expensive than traditional retail furniture, as you are paying for the rental as well as the eventual purchase price, or cash price.
• Long-term commitment: Rent-to-own furniture requires a long-term lease commitment, as you will be making payments for several months or even years.
• Hidden fees: Some rent-to-own stores may charge hidden fees such as processing fees, delivery fees, or late payment fees.
• Limited selection: Rent-to-own stores may have a limited selection of furniture styles and brands to choose from.
• Maintenance responsibility: With rent-to-own furniture, you are responsible for maintenance and repairs, which can be an added expense.

It's important to weigh the pros and cons carefully before making a decision on rent-to-own furniture. Consider your financial situation, your family, needs and preferences, and your long-term goals before signing a lease agreement.

Here are some ways you can save money with Rent-to-Own furniture:

• Shop around:s Compare prices and rental terms from different Rent-to-Own furniture stores to find the best deal. Some stores might have special offers.
• Negotiate:s Don't be afraid to negotiate the terms of the lease agreement, including the rental price, length of the agreement, and any fees.
• Make early payments:s Many Rent-to-Own stores offer discounts or incentives for early purchase, so try to make payments ahead of schedule if possible.
• Choose quality furniture:s Investing in higher-quality furniture, like Ashley furniture, can be more cost-effective savings in the long run, as you may be able to use it for a longer period of time without having to replace it.
• Maintenance and repair:s Proper maintenance and timely repairs can help extend the life of the furniture and avoid costly replacements.
• Choose the right plan:s Consider the length of the rental agreement and the cash price, as well as your budget and financial situation, to choose the plan that best suits your needs.
• Consider alternative options:s Before committing to Rent-to-Own furniture, consider alternative options such as second-hand furniture, or saving up to purchase furniture outright.

Remember, the cost of Rent-to-Own furniture can add up over time, so it's important to carefully consider your budget and financial situation before signing any lease agreement.

When looking for rent-to-own furniture, there are a few things to look out for:

• Ask the salesperson: If you're unsure whether a piece of furniture is available for rent-to-own, ask the salesperson. They should be able to provide you with information about the company's rent-to-own program.
• Check the company's website: Many companies that offer rent-to-own furniture will have information about their program on their website. You can usually find this information under a section labeled "rent-to-own" or "lease-to-own."
• Look for Flexible Payment Options: Rent-to-own companies often have flexible payment options, meaning you can pay weekly, bi-weekly or monthly.
• Check if they require a credit check: Rent-to-own companies often require a credit check before approving a rental application. But some of them might offer a no credit needed option.
• Look for early purchase options: Some rent-to-own companies offer an option to purchase the furniture at a discounted price before the end of the rental term.

By keeping an eye out for these signs and asking the right questions, you'll be able to determine whether a piece of furniture is available for rent-to-own.

Rent-to-Own (RTO) and Lease-to-Own (LTO) furniture are similar in that they both offer customers the option to rent furniture with the option to purchase it later. However, there are some differences between the two.

1. Terminology: Rent-to-Own refers to a rental agreement that includes the option to purchase the furniture at the end of the rental period, while Lease-to-Own refers to a lease agreement that includes the option to purchase.
2. Cost: Rent-to-Own furniture is often more expensive than traditional retail furniture, as you are paying for the rental as well as the eventual purchase price or cash price. Lease-to-Own may also be more expensive, as you are paying for the rental and the option to purchase, but the cost may be more transparent and spread out over a longer period of time.
3. Length of Agreement: Rent-to-Own agreements are typically shorter than Lease-to-Own agreements. Rent-to-Own agreements are typically for several months, while Lease-to-Own agreements can last for several years.
4. Flexibility: Rent-to-Own offers more flexibility, as you can return the furniture at the end of the rental period without any obligation to purchase. Lease-to-Own requires a longer-term commitment and you may be required to purchase the furniture at the end of the lease period.
5. Ownership: With Rent-to-Own, you have the option to purchase the furniture at the end of the rental period and take ownership. With Lease-to-Own, you take ownership of the furniture at the end of the lease period.

Ultimately, the choice between Rent-to-Own and Lease-to-Own will depend on your individual needs and circumstances. It's important to carefully consider the terms, cost, and responsibilities of each option before making a decision.

Rent-to-own furniture is a great option for those looking for an affordable way to furnish their home. With rent-to-own furniture, you can rent various furniture styles for a set period of time and then have the option to purchase the furniture at the end of the rental period. This type of furniture is often more affordable than purchasing furniture outright, and it gives you the flexibility to change out your furniture as needed.

Whether you’re looking to create a beautiful living room, need dining room chairs or bedroom sets, rent-to-own furniture is a great option. With rent-to-own furniture, you can get the furniture you need without breaking the bank. Plus, with companies like Ashley Furniture and their flexible payment options and same-day delivery services, you can have your dream home set up without any hassle.

Remember, credit checks may be a part of the approval process, but there are also no credit needed options available. Additionally, many companies, like Progressive Leasing, make it a point to carry a wide selection of home furniture and appliances, with many special offers and latest deals designed to help you save money.

So what are you waiting for? Start shopping for rent-to-own furniture today, and save money on stylish furniture for your home! Credit or no credit, there are leasing and payment options to suit every budget and lifestyle. Take advantage of the free services, like online payment and free in-store consultations, and make your dream house a reality.

Q1. Is Rent-to-Own Furniture a Good Idea?

A1. Rent-to-own furniture is a great option for those looking for an affordable way to furnish their home. However, it’s important to understand the terms of your rental agreement before signing up. Make sure you understand the total cost of the furniture and the terms of the rental agreement. You should also be aware of any late fees or other penalties that may be associated with the rental agreement.
It’s also important to make sure you can afford the monthly payments. If you can’t make the payments, you may end up in debt or having to return the furniture, which could result in a loss of money.

Q2. Does Ashley Furniture Rent-to-Own?

A2. Yes, Ashley Furniture does offer rent-to-own furniture. Ashley Furniture offers a variety of furniture, including bedroom sets, living room sets, dining sets, and more. Ashley Furniture’s rent-to-own furniture is available in stores and online, and they offer convenient delivery and setup options.

Q3. Does Big Lots Rent-to-Own Furniture?

A3. Yes, Big Lots does offer rent-to-own furniture. Big Lots offers a variety of furniture, including bedroom sets, living room sets, dining sets, and more. Big Lots’ rent-to-own furniture is available in stores and online, and they offer convenient delivery and setup options.

Q4. Does Gardner-White Have Rent-to-Own Furniture?

A4. Yes, Gardner-White does offer rent-to-own furniture. Gardner-White offers a variety of furniture, including bedroom sets, living room sets, dining sets, and more. Gardner-White’s rent-to-own furniture is available in stores and online, and they offer convenient delivery and setup options.

Q5. Is Debt from Rent-to-Own Furniture a Secured Debt?

A5. No, debt from rent-to-own furniture is not a secured debt. Secured debt is debt that is secured by an asset, such as a car loan or a home loan. Rent-to-own furniture is not secured by an asset, so it is considered unsecured debt.

Q6. Will I Save Money if I Pay Off a Rent-to-Own Furniture Early?

A6. Yes, you can save money if you pay off your rent-to-own furniture early. Paying off your furniture early can save you money on the total cost of the furniture, as you won’t have to pay interest or other fees associated with the rental agreement.

Q7. Can I buy rent to own furniture during Chapter 7 bankruptcy?

A7. During a Chapter 7 bankruptcy, you may be able to buy rent-to-own furniture, but it depends on the specifics of your case and the terms of the agreement with the furniture company.
Chapter 7 bankruptcy is a liquidation bankruptcy, which means that most of the debtor's assets are sold off to pay off creditors. However, certain types of property, such as household goods, tools of the trade, and personal effects, may be protected under exemptions. The specifics of what is protected will vary depending on the state you live in.
Some rent-to-own furniture companies may require a credit check before approving a rental application, and if you have recently filed for bankruptcy, your credit score may be negatively affected.
It's important to speak with your bankruptcy attorney before entering into any new financial obligations, such as a rent-to-own furniture agreement. They will be able to advise you on whether it is a good idea in your specific case and whether the furniture you're considering is protected by exemptions.
It's also important to have a clear understanding of the terms of the rent-to-own agreement and to make sure that you can afford the payments.

Q8. How to get out of a rent to own furniture contract

A8. If you need to get out of a rent-to-own furniture contract, there are a few steps you can take:
Review the terms of the contract: Before taking any action, make sure you understand the terms of the contract, including the rental period, payments, and any penalties for early termination.
Contact the company: Reach out to the furniture company and explain your situation. They may be willing to work with you and help you find a solution.
Check for a buyout option: Some rent-to-own companies offer a buyout option, which allows you to purchase the furniture at a reduced price before the end of the rental period. If this option is available, it may be a good way to get out of the contract.
Return the furniture: If you have been renting the furniture for a short period of time, you may be able to return it to the company and terminate the contract without penalty.
Seek legal advice: If you are unable to reach a resolution with the company, you may want to seek legal advice. A lawyer can review the contract and advise you on your options.
It's important to note that if you terminate the contract early, you may be charged a penalty or be responsible for any unpaid rental charges. Make sure to fully understand the terms of the contract and any penalties before you decide to terminate the contract.

Q9. Is rent to own furniture a scam?

A9. Rent-to-own furniture is not a scam, but it can be a more expensive option than buying furniture outright. It's important to read and understand the terms of the agreement before signing and to be aware of the total cost of the furniture, including the rental payments and any fees or penalties.
Some potential issues with rent-to-own furniture include:

1. High costs: The total cost of the furniture can be significantly higher than buying it outright, as the customer is also paying for the cost of the rental.
2. Hidden fees: Some rent-to-own companies may charge additional fees, such as delivery fees, setup fees, and early termination fees, which can add to the overall cost of the furniture.
3. Quality concerns: Some customers have reported receiving furniture that was in poor condition or not as described, so it's important to inspect the furniture before accepting it and to be aware of the company's return policy.
4. Difficulty to end the contract: Some rent-to-own companies may make it difficult to end the contract, and may charge penalties or fees if you decide to return the furniture before the end of the rental period.

However, if you do your research, understand the terms, and can afford the payments, rent-to-own furniture can be a viable option for those who may not have the means to buy furniture outright. It's always important to read the fine print, compare prices and check the reviews of the company before signing any contract.

Q10. Does rent-to-own ever sell their furniture?

A10. Rent-to-own companies typically offer customers the option to purchase the furniture they are renting at the end of the rental period or at any time during the rental period. The purchase price for the furniture is typically higher than the retail price due to the additional cost of the rental payments. Some companies may also offer the option to return the furniture at the end of the rental period, but there may be penalties or fees for doing so.
It's important to read and understand the terms of the agreement before signing and to be aware of the total cost of the furniture, including the rental payments and any fees or penalties for early purchase or return. It's also a good idea to research different rent-to-own companies in your area and compare their furniture options, prices, and terms of the agreement before making a decision.