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Find Rent-to-Own Stores Near You

Compare every rent-to-own store in your area — hours, locations, and products — all in one search. VRTO (Virtual Rent To Own) is the leading online directory for the RTO industry.

Find Stores Near Me

All Major Companies
4,449+ Stores
100% Free

Browse Categories

Furniture

Furniture

Living room sets, bedroom furniture, dining tables, and more.

From $15/week →

Appliances

Appliances

Washers, dryers, refrigerators, and kitchen essentials.

From $12/week →

Electronics

Electronics

TVs, gaming consoles, sound systems, and home entertainment.

From $10/week →

Computers

Computers

Laptops, desktops, and tablets for work, school, and gaming.

From $10/week →

Mattresses

Mattresses

Memory foam, hybrid, and traditional mattress sets for every budget.

From $12/week →

Tires & Wheels

Tires & Wheels

New tires and installation packages from local stores.

From $15/week →

Jewelry

Jewelry

Engagement rings, watches, and fine jewelry with flexible payments.

From $8/week →

Smartphones

Smartphones

Latest smartphones and accessories with no credit check.

From $10/week →

Search Your Area

Enter a city, zip code, or store name. We'll show you nearby hours, ratings, and contact info.

Search Area →

Compare Stores Side by Side

See which stores carry what you need, compare Google ratings, and check hours.

Browse by city →

Know the Cost Before You Go

Use our calculator to see weekly payments and total cost and check your state's RTO laws.

Try the calculator →

Popular Markets for Rent-to-Own

Tampa, FL
Tampa, FL 16 Stores
Indianapolis, IN
Indianapolis, IN 15 Stores
Phoenix, AZ
Phoenix, AZ 13 Stores
Jacksonville, FL
Jacksonville, FL 13 Stores
Columbus, OH
Columbus, OH 13 Stores
Miami, FL
Miami, FL 12 Stores
Wichita, KS
Wichita, KS 12 Stores
Charlotte, NC
Charlotte, NC 10 Stores
Las Vegas, NV
Las Vegas, NV 10 Stores
Philadelphia, PA
Philadelphia, PA 9 Stores

Browse Stores by State

Texas
Texas 381 Stores
Florida
Florida 302 Stores
Ohio
Ohio 255 Stores
North Carolina
North Carolina 244 Stores
Georgia
Georgia 222 Stores
View all 50 states + DC →
What Is VRTO (Virtual Rent To Own)?

What Is VRTO (Virtual Rent To Own)?

VRTO (Virtual Rent To Own) is a nationwide directory of 4,449+ rent-to-own stores across all 50 US states and 2,277+ cities. VRTO helps consumers find, compare, and contact rent-to-own stores for furniture, appliances, electronics, computers, mattresses, smartphones, jewelry, and tires.

All store listings include addresses, phone numbers, hours of operation, and Google ratings. VRTO is free to use and requires no account or sign-up.

What Is Rent-to-Own?

What Is Rent-to-Own?

Rent-to-own lets you take home furniture, appliances, electronics, and more with small weekly or monthly payments — most stores require no credit check. You use the item while you pay, and you can return it anytime or own it outright once the agreement is complete.

VRTO (Virtual Rent To Own) helps you compare every store and option in one place.

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Rent-to-Own: Frequently Asked Questions

Rent-to-own (RTO) is a lease agreement — not a loan or credit purchase. You take home products like furniture, appliances, or electronics and make weekly or monthly payments. The Consumer Financial Protection Bureau (CFPB) confirmed in its 2024 action against Snap Finance that RTO transactions are leases, not credit. You can return items at any time without penalty, and most stores require no traditional credit check. After completing all payments, you own the item outright. Approximately 1 in 27 U.S. households uses rent-to-own each year. Use our guides to learn how RTO works before you visit a store.
Enter your city, zip code, or state in the search bar above. VRTO (Virtual Rent To Own) indexes 4,449+ rent-to-own stores across 51 states — including Aaron's, Rent-A-Center, Buddy's Home Furnishings, and hundreds of independents. Each store listing includes hours, address, phone number, Google ratings, and product categories. You can also browse by state or browse by category to narrow your search.
Costs vary by product and store. A typical furniture set runs $15–$30 per week; a laptop or TV runs $10–$25 per week. The total cost over the full lease term is typically 1.5x–2.5x the retail cash price. However, most agreements include an early purchase option (EPO) that can save 40–60% off the total cost if you buy within the first 90 days. Always ask about the EPO before signing. Use our RTO payment calculator to see the real total cost before you commit.
Yes — this is one of the defining benefits of rent-to-own. Because RTO is a lease (not a loan), you can return items at any time without penalty, debt, or negative credit reporting. You simply stop making payments and return the product to the store. Additionally, 47 states have specific RTO statutes that protect your right to reinstate a returned agreement within a set period. Check your state's RTO laws for specific consumer protections.
Most rent-to-own stores carry furniture, appliances, electronics, computers, mattresses, and smartphones. Some stores also offer tires and wheels and jewelry. Product availability varies by store — use VRTO to see exactly what each store near you carries, and compare options side by side.
No. Most rent-to-own stores do not require a traditional credit check. The CFPB estimates that 26 million Americans are "credit invisible" — meaning they have no credit file at all. RTO provides access to essential household items for people who may not qualify for traditional financing. Approval is typically based on proof of income, a valid photo ID, and proof of residence. Contact stores directly to confirm their specific requirements.
No. Rent-to-own is a terminable lease, not a loan or credit transaction. You do not take on debt, and there is no interest rate. If you stop paying, you return the item — there is no collections process, no negative credit impact, and no deficiency balance. This distinction was confirmed by the CFPB in 2024. However, three states (Minnesota, New Jersey, and Wisconsin) classify RTO as credit sales with additional consumer protections. Read our guides for a detailed comparison of RTO vs. traditional financing.
Most stores require four things: a valid photo ID (driver's license or state ID), proof of income (recent pay stub or bank statement), proof of residence (utility bill or lease), and 3–4 personal references with phone numbers. No credit check is needed at most stores. Call ahead to confirm specific requirements. See our complete guide on what to expect during your first RTO store visit.

Find Stores Near Me

All Major Companies
4,449+ Stores
100% Free