Do I need good credit to get approved?

Generally, no. Most rent-to-own providers focus on your income and employment status rather than your credit score. There is typically no hard credit inquiry, so applying won't affect your credit score.

What payment options do providers offer?

Most rent-to-own providers offer weekly, bi-weekly, and monthly payment plans. You can typically choose the schedule that best aligns with your payday. Lease terms generally run 12 months, though this varies by provider.

Can I pay off a lease early?

Yes! Most providers encourage early payoff and offer discounted buyout options. Many include a 90-day same-as-cash option. After 90 days, you can usually still pay off your remaining balance at a discount at any time.

Do rent-to-own companies offer free shipping?

Many rent-to-own providers offer free shipping on all orders with no minimum purchase requirements. Shipping policies vary by provider, so check with your chosen company for details.

Are the products new or used?

Most rent-to-own providers sell brand-new, factory-sealed products with full manufacturer warranties. Some may also offer clearly labeled certified pre-owned options.

How much can I typically be approved for?

Many rent-to-own providers approve first-time applicants for up to $5,000 in spending power. Your exact approval amount depends on the provider and factors like your income and banking history.

How Rent to Own Works — Easy Steps to Get Started

Rent-to-own and lease-to-own programs let you take home brand-new products today and pay for them over time. Most providers approve based on income, not credit score.

Step 1: Browse & Compare

Explore products and compare estimated weekly costs across categories. Research brands, features, and pricing.

Step 2: Choose a Provider & Apply

Select a rent-to-own provider and apply online. Most applications take under 5 minutes with no hard credit check.

Step 3: Get Approved & Start Payments

Receive an instant decision. Once approved, choose your payment schedule and enjoy free shipping from most providers.