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Rent to own stores in El Cajon, California

2 rent-to-own stores serve El Cajon, CA, and 2 of them are open right now.

Every store below shows its address, its hours, and its Google rating, so you can call one before you drive over. Most do not run a credit check.

Stores

The 2 rent-to-own stores in El Cajon, CA

Every row carries the store's address, hours, phone number, and its Google rating, so you can call one today.

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Compare 2 rent-to-own stores in El Cajon

See ratings, products, and contact info side by side.

Compare Stores

Compare Rent-to-Own Stores in El Cajon, CA

Side-by-side comparison to help you choose the right store for your needs.

Store Google rating Location Phone Links
Yes! Stores 5.0 311 reviews 1059 Broadway (619) 444-7368 Website: Yes! Stores, 1059 Broadway
Rent-A-Center 4.1 94 reviews 1097 E Main St (619) 447-8000 Website: Rent-A-Center, 1097 E Main St

What customers are saying

Recent reviews from rent-to-own stores in El Cajon.

If you’re looking for honest, upfront, no-BS service, go see Steve at Yes Store. This business has been around a long time, and my father was actually Steve’s third customer at his very first location. That history and experience definitely show. Steve and his staff — Giselle, Josh, and Carlos — are all amazing people who genuinely care about helping customers. If you’re ever in a jam and need straight answers and great service, this is the place to go. Highly recommend!

Anthony Sierra
Yes! Stores

Yes Store is great and so is the Owner,Steve and his staff. I have purchased from them for many many years. Each and every time they are right on my requests I get text messages within minutes and they return phone calls when they say they are going to every single time. Thanks so much Steve and crew. I just purchased my new laptop today and I’m sure I’ll be back for more.

Diana Higgins
Yes! Stores

The people at this store are absolutely amazing. The service was so helpful, not just picking out my couches and finding the right fit for me. But getting delivery so soon? It was a week before the expected time. I was so happy. It was right before Christmas. And then the delivery drivers Ricardo and Anthony were so nice and so helpful. And then geselle at the store... I have not met her in person but I've spent a lot of time back-and-forth and text.Ing on the phone and there was one flaw with the sofa bed after four times using it , I noticed , and they took care of it immediately having repaired service coming tomorrow. Thank you, guys.I really appreciate you and Happy to do business with you.

Shylo Horne
Yes! Stores

Everyone here was extremely helpful!! I was in a dilemma with needing a couch and having it be delivered the same day. They went above and beyond to accommodate me and make it happen! Giselle was on top of it all! Thank you so much! Update- I ended up getting another couch from them and they were so amazing through it all!! Giselle is awesome and the moving guys were so quick and wonderful!! Everyone that is employed at Yes! Easy To Own are so sweet and such great people! Very happy with the customer service 🥰

Jennifer Lewis
Yes! Stores

I order a bed frame, mattress, couch and an ottoman and it was the smoothest, easiest and fastest delivery! I had previously ordered a couch from MOR and the delivery team was unable to get it delivered. I ordered the same size couch with YES and the delivery team was able to get it inside my home with no problems. HIGHLY recommend!

Lisa Timanus
Yes! Stores

Sales Rep Johnny and the office manager made an impossible delivery happen. They were professional courteous….everything customer service should be but lacking in other rent a center stores I’ve dealt with in the past. Definitely going to refer my friends and family to the El Cajon Main Street location!

Toresia Verheyden
Rent-A-Center
Reviews from Google
El Cajon, CA

What renting to own in El Cajon looks like

2 rent-to-own stores serve El Cajon, CA, from 2 companies.

Stores here include Yes! Stores (1059 Broadway), Rent-A-Center (1097 E Main St).

California regulates rent-to-own under California Karnette Rental-Purchase Act. The law gives you an early purchase option (Consumer may purchase the property at any time by paying 50% of the remaining periodic payments, less any amounts already paid beyond the total cash price.), payment cap protections (Total cost of ownership must not exceed 2.25 times the cash price (225% cap) for new merchandise.), required written disclosure of the cash price, total cost, and payment count before you sign.

How it works here

Most stores don't require a traditional credit check. Approval is typically based on proof of income, a valid ID, and proof of residence, often the same day.

What to bring when visiting a rent-to-own store

Most stores in El Cajon will ask for the following to get started.

Valid Photo ID

Driver's license, state ID, or passport

Proof of Income

Recent pay stub, bank statement, or benefits letter

Proof of Residence

Utility bill, lease agreement, or bank statement with address

References

Typically 3-4 personal references with phone numbers

Most stores don't require a traditional credit check.

Rent-to-own agreements commonly include return options, but timing, fees, item condition, and remaining obligations vary. In California, stores are required to offer an early purchase option. Requirements vary by store. Call ahead to confirm.

Shopping for rent-to-own in El Cajon

Getting the best deal on rent-to-own takes a little preparation. Here are tips to help you make an informed decision at any of the 2 stores in El Cajon.

Compare stores side by side

Use the comparison table above to compare stores side by side, rated by customers, with products and contact info in one view.

Ask about early purchase options

Every rent-to-own agreement should include an early purchase option (EPO). Ask the store how much you can save by buying the item outright before the full lease term ends. The earlier you buy, the more you save.

Check store hours before you go

Hours can vary by location and may change on holidays. Call ahead or check the store listings above to confirm the store is open before making the trip. Many stores close earlier on weekends.

Read reviews from other customers

Customer reviews can reveal important details about service quality, delivery experience, and staff helpfulness. Check ratings on each store listing and click through for detailed reviews.

Estimate your total cost

Use the VRTO calculator to estimate your total rent-to-own cost before you visit. Knowing the full cost upfront helps you compare options and budget effectively.

Know your rights

Rent-to-own is generally structured as a lease with an option to own. Return rights and obligations vary by agreement and state. California has consumer protection laws governing RTO transactions. Ask the store for a copy of your agreement before signing.

California law

What California law gives you before you sign

California regulates rent-to-own under California Karnette Rental-Purchase Act, and the rules are the same at every store in the state. Before you sign, the store has to put the cash price, the total cost to own the item, and the number of payments in front of you, so the real number is never buried in the fine print. Rent-to-own is a lease and not a loan, so there is no interest rate, and returning the item does not go on your credit.

This is a plain summary, not legal advice. Read your own agreement and confirm the terms with the store.

California Karnette Rental-Purchase Act Cal. Civ. Code §§ 1812.620 to 1812.649
Disclosure requirements Must disclose total number and amount of payments, total cost, cash price, whether the item is new or used, any additional mandatory charges...
Payment cap protections Total cost of ownership must not exceed 2.25 times the cash price (225% cap) for new merchandise.

Nearby cities

Chula Vista (1) National City (1) San Diego (1) Spring Valley (1) Bakersfield (3) Fresno (3) Lancaster (3) Sacramento (3)
All rent-to-own stores in California

Categories in El Cajon

Furniture(2) Appliances(2) Electronics(2) Computers(1) Mattresses(2) Smartphones(1) Gaming(1)

Counts are the stores in El Cajon carrying that category. A category no El Cajon store carries is not listed.

Renting to own in El Cajon, answered

There are 2 rent-to-own stores in El Cajon, CA, from 2 companies: Rent-A-Center, Yes! Stores. Confirm important listing details directly with the retailer.
Most rent-to-own stores in El Cajon do not require a traditional credit check. RTO is a lease agreement, not a loan, there is no debt obligation, and you can return items at any time. Stores typically verify identity and income rather than credit score. Contact stores directly to confirm their specific requirements.
Rent-to-own stores in El Cajon offer appliances, computers, electronics, furniture, gaming, jewelry. You take items home the same day, no waiting for delivery or credit approval. Most RTO agreements include free service and repair coverage for the life of the lease, so if an appliance breaks down, the store fixes or replaces it at no extra cost. Visit the store listing above for full product details.
Rent-to-own lets you take home items immediately and pay weekly or monthly until you own them, or return them anytime with no penalty. There is no long-term obligation: RTO is a lease, not a credit agreement. Service, maintenance, and repairs are typically included at no additional cost, so you are covered if something breaks. Total cost is typically higher than retail cash price, but early purchase options can reduce what you pay. California requires dealers to disclose the total cost upfront before you sign.
Rent-to-own is a regulated industry, 47 states have RTO-specific statutes, and the FTC oversees the market at the federal level. California regulates rent-to-own agreements under state consumer protection law. Rent-to-own agreements in California are regulated by state consumer protection laws. Always review the full agreement before signing. Review the full agreement and understand the total cost before committing.

VRTO (Virtual Rent To Own) is an independent directory and is not affiliated with, endorsed by, or acting as an agent of any rent-to-own company listed on this page. Store details can change. Reviews and ratings shown are from Google. Always confirm hours, pricing, terms, and availability with the retailer before you visit. See our full disclaimer and data collection methodology.

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