VRTO

Rent to Own Appliances

Keep milk cold with a fridge today. Get clean clothes with a washer this week. Pay weekly, return anytime.

Rent-to-own appliances give you same-day or next-day access to refrigerators, washers, dryers, and dishwashers — essential household items that cannot wait. Rent-to-own is a terminable lease, not a loan; the CFPB confirmed in its 2024 enforcement action (CFPB v. Snap Finance) that RTO lacks "any contractual right to defer payment of a debt." Appliances are the second-largest RTO category at roughly 25% of industry revenue (APRO). A broken refrigerator or washer is an immediate necessity, and RTO delivers it with flexible payments and no credit check.

$10–$25 Per week
12–18 months Typical Term
3,881 Stores
50 States

Find Appliances Stores Near You

Enter your city or ZIP code to find rent-to-own stores with appliances near you.

Companies Offering Rent-to-Own Appliances

Aaron's, Rent-A-Center, Buddy's Home Furnishings, and local independents carry rent-to-own appliances in all 50 states. Browse by state below to find specific store locations, hours, and contact information in your area. View all companies →

Browse Appliances Categories

Explore specific types of appliances available through rent-to-own stores.

Laundry
Refrigerators
Kitchen Appliances
Climate Control

What to Know Before Renting Appliances

Repairs and Service Are Always Included

One of the strongest advantages of renting appliances: if the washer breaks, the store fixes it at no cost to you. Repairs and maintenance are included for the entire duration of your rent-to-own agreement. A washer repair that might cost $200–$400 out of pocket is covered by the store. This is a core RTO benefit — service is part of every agreement.

Installation and Hookup Included

Most rent-to-own appliance stores include free delivery, installation, and hookup. This covers connecting water lines for washers and dishwashers. Gas dryer hookups may carry a small additional fee at some stores — always confirm before signing your lease agreement.

Early Purchase Option (EPO) Is the Best Deal

A $600 washer rented for 90 days at same-as-cash pricing costs the same as buying it outright — with free delivery and installation included. The early purchase option within 90 days can save 40–60% of the total payments. Always ask about EPO terms. Use our calculator to compare.

Energy Efficiency Saves Beyond the Lease

An ENERGY STAR-rated appliance may cost a few dollars more per week, but it saves on utility bills over the life of your agreement. Over 18 months, energy savings can offset a significant portion of the lease cost. Look for the Energy Star label when comparing models.

What to Bring to a Appliances Store

Bring a valid photo ID, proof of income, and proof of residence. Know your appliance measurements (especially for refrigerators and washer/dryer spaces). Ask about delivery timeline, installation, and what happens if the appliance needs repair.

Estimate your total cost → Read our RTO guides →

Popular Rent-to-Own Appliances

Refrigerators (top freezer, bottom freezer, French door, side-by-side), washers, dryers, washer/dryer sets, dishwashers, ranges and stoves, microwaves, and air conditioners.

Product availability varies by store and location. Search above or browse by state below to find stores near you.

Rent to Own Appliances by State

Find rent-to-own appliances stores in your state. All 50 states covered.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Rent-to-Own Appliances FAQ

Rent-to-own appliances typically cost $10–$25 per week. A standard top-freezer refrigerator runs about $12–$18 per week. A washer or dryer averages $10–$15 per week each. Washer/dryer sets are often available at a bundled rate of $18–$25 per week. Use our calculator at vrto.com/calculator to estimate your total cost including the early purchase option.

Yes. Repairs and maintenance are included for the entire duration of your rent-to-own agreement at no additional cost. If your rented washer breaks, the store fixes it — a repair that might cost $200–$400 out of pocket is fully covered. Service is a core benefit of rent-to-own, not an optional add-on. This is true for all RTO appliances.

Yes. Most rent-to-own appliance stores include free delivery, installation, and hookup as part of the agreement. This includes connecting water lines for washers and dishwashers. Gas dryer hookups may carry a small additional fee at some stores — always confirm before signing your lease agreement.

No. Rent-to-own is a terminable lease, not a loan or credit purchase. The CFPB confirmed in its 2024 enforcement action (CFPB v. Snap Finance) that rent-to-own lacks "any contractual right to defer payment of a debt." There is no interest rate, no debt obligation, and no credit reporting. You can return the appliance at any time without penalty.

Yes. Most stores offer washer and dryer sets at a combined weekly rate that is lower than renting each unit separately. Set pricing typically runs $18–$25 per week. Ask about bundled pricing and whether installation is included when you visit the store.

How Rent-to-Own Appliances Works

When you rent to own appliances, you make regular payments — weekly, biweekly, or monthly — and take the item home the same day. There's no credit check, no down payment at most stores, and delivery and setup are typically included.

RTO is a lease, not a loan. You're not taking on debt, and if your situation changes, you can return the item at any time with no penalty and no remaining balance. Most stores also include free service and repairs for the life of the agreement.

Most agreements include an early purchase option — pay off the item within 90 days and you can save significantly on the total cost. If you return an item and want it back later, most states guarantee reinstatement rights so you keep your payment equity.

Use VRTO (Virtual Rent To Own) to find rent-to-own appliances stores near you. Compare stores by location, hours, and ratings. Calculate your total cost before you walk in.

VRTO is an independent directory service. We are not affiliated with, endorsed by, or connected to Aaron's, Rent-A-Center, or any other rent-to-own company. Store information is provided for reference purposes only. Some directory descriptions and guides are drafted with AI assistance and reviewed for accuracy by our editorial team.