The smart way to find rent-to-own stores.

VRTO (Virtual Rent To Own) is the national rent-to-own store directory and consumer guide. Search available locations, hours, contact details, and ratings, then learn what to ask before contacting a retailer.

Not sure which store to pick? We'll match you with one near you

Source-backed directory · How we collect data

A person comparing rent-to-own options at home

Rent-A-Center

4.7(188) Manassas, VA

See rent-to-own stores closest to you.

Finding stores near you...

What does your home need?

Pick a category and we'll compare the rent-to-own stores near you that carry it. Most stores don't require a traditional credit check.

Furniture Sofas, tables, dining sets Appliances Washers, dryers, fridges Electronics TVs, sound, smart home Computers Laptops, desktops, tablets Mattresses Beds, frames, bedding Gaming Consoles, chairs, gear Smartphones Phones and accessories Tires & Wheels Tires and wheels

FIND STORES BROWSE LOCATIONS READ THE GUIDES SEARCH NEARBY GOOGLE RATINGS ALL 50 STATES

Why people trust VRTO

VRTO is free to use, and no store can pay for a better spot. We organize available directory information from public business sources and retailer-supplied details, and we explain how consumers can evaluate rent-to-own terms.

4,627+

rent-to-own stores

2,280

cities covered

states + DC

Built for informed searches

National directory

Plain-English guides

Cost calculator

Before you sign

Prepare before you contact a store.

Rent-to-own terms vary by retailer and agreement. VRTO's guides help you identify the numbers and conditions to ask about so you can evaluate an offer before signing.

See how VRTO helps

Questions to ask the retailer Checklist

✓What is the cash price?
✓What is the total of all scheduled payments?
✓What are the early-purchase and return terms?

Top-rated stores near you

Ranked by Google rating, not by who pays. How we rank stores

TOP RATED

Rent-A-Center

8308 Shoppers Square, Manassas, VA · Open until 7 PM

Furniture Appliances

4.7 Google rating (188)

Visit / Contact

Aaron's

94 Somerset Blvd, Charles Town, WV · Open until 7 PM

Furniture Appliances

4.6 Google rating (46)

Visit / Contact

Rent-A-Center

6244 Little River Turnpike, Alexandria, VA · Open until 7 PM

Furniture Appliances

4.5 Google rating (98)

Visit / Contact

Popular markets for rent-to-own

Browse stores by state

View all 50 states + DC

Rent-to-own, answered plainly

Rent-to-own is generally structured as a lease with an option to own. You make scheduled payments to use an item and may acquire ownership by completing the agreement or exercising an early purchase option. Payment, screening, return, ownership, and service terms vary by retailer, agreement, and state. Use our guides to learn what to ask before you sign.

Enter your city, ZIP code, or state in the search bar above. VRTO organizes available rent-to-own store listings with details such as address, phone number, hours, ratings, and categories when those fields are available. You can also browse by state or browse by category. Confirm important details directly with the retailer.

Costs vary by item, retailer, payment schedule, fees, agreement length, and early purchase terms. Ask for the cash price, each scheduled payment, the number of payments, the total of payments, and the written early purchase price. Use our RTO payment calculator to estimate a scenario from the figures the retailer provides.

Many rent-to-own agreements include a return option, but timing, fees, item condition, pickup or shipping, refunds, and remaining obligations vary. Review the written agreement and check your state's consumer information before signing.

Rent-to-own retailers may carry furniture, appliances, electronics, computers, mattresses, smartphones, tires, or other categories. VRTO lists store categories when available, but it does not publish live inventory. Confirm current products and availability directly with the retailer.

Screening requirements vary. Some retailers do not use a traditional credit check, while others may use a soft or hard inquiry, alternative data, income information, identification, or residency documents. Ask the retailer what it reviews and whether applying can affect your credit before submitting an application.

Rent-to-own is generally structured as a lease with an option to own, but legal treatment and agreement terms vary by state and provider. Charges, missed-payment consequences, returns, collections, and credit reporting can also vary. Read our guides and review the retailer's written agreement before signing.

Retailers commonly ask for identification, income information, proof of residence, or references, but requirements vary. Call ahead to confirm what the store needs and whether it performs a credit inquiry. See our guides for questions to ask before applying.

Find a store. Know what to ask.

Search directory listings by city or ZIP, then use VRTO's guides and calculator to prepare before contacting a retailer.