VRTO

Rent to Own Stores in Modesto, CA

Modesto, CA has 2 rent-to-own stores listed in the VRTO (Virtual Rent To Own) directory, updated daily from verified retailer data. Available companies include Aaron's, Rent-A-Center. Product categories available: appliances, computers, electronics, furniture, gaming, jewelry, mattresses, smartphones. Rent-to-own transactions are legal and regulated in CA (Source: State Legislature). Early purchase rights: 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: Total cost of ownership must not exceed 2.25 times the cash price (225% cap) for new merchandise.. Most rent-to-own locations do not require a credit check — approval is typically based on income verification.

2 RTO Stores
2 Companies
3.9 ★ Avg Rating
215 Reviews

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Compare Rent-to-Own Stores in Modesto, CA

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

Store Rating Location Phone
Rent-A-Center 4.2 90 reviews 1717 Oakdale Rd Ste #A (209) 524-7368 Visit Website
Aaron's 3.6 125 reviews 1234 Mchenry Ave Ste D (209) 544-1108 Visit Website

Store Hours Today (Monday)

0 stores open now
2 currently closed

What Customers Are Saying

Recent reviews from rent-to-own stores in Modesto.

I needed a mattress and they helped me find the right one and where so kind and made it a fun experience

Jesse Talavera
Rent-A-Center

Everything went smoothly. There was a great inventory, the check out process was easy and I'm just awaiting the actual delivery of the fridge. Very easy, smooth online experience.

Ashley B
Rent-A-Center

I had a delivery on 05/30 from 11am-1pm that’s never came nor did I ever get a call why. I later called 2 days later. I was told the delivery driver was over packed. Said it’ll be another week or week and half. I was told these were in storage still so I could go pick them up. I did. Found out these couches were on display since that Monday before 05/30. They said they’ll deliver Saturday which was 06/01. Called at like 1pm they said they’ll be heading out soon. I get called 2hrs later with an excuse of truck breaking down and not working even though the guy was heading out already. which doesn’t make since?? Same day I went out to Modesto to retrieve my couches. I didn’t know they were displayed couches and wanted to talk negotiating the price. Said no it wouldn’t work. So the guy in Modesto offered to take off 100. So I canceled my order, The people from Stockton RAC on Wilson way, Basically told me off and was very rude and said “Go ahead and cancel and to let you know your payment you sent in isn’t refundable” then hangs up the phone. Both myself and the people in the RAC in Modesto looked at one another in shock. Dont not go to RAC on Wilson Way, In the Parking lot of Food 4 Less I recommend Modesto by far, Manny and Marissa will set you up with the goods. They are amazing people and give excellent customer service

Ronald E Bucher III
Rent-A-Center

i had a very good experience when i went in looking for new furniture for my house. the employee marilyn was helpful and understanding of my budget. i would definitely recommend asking for her

marrissa gutierrez
Aaron's

Great service, the girl that helped with everything, Marilyn, had answers to all my questions. Very helpful and friendly.

Amber Calderon
Aaron's
Reviews from Google

What to Bring When Visiting a Rent-to-Own Store

Most stores in Modesto 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

No credit check required at most stores.

Rent-to-own is not a loan or credit purchase. You can return items at any time without penalty. 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 Modesto

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 Modesto.

Compare Stores Side by Side

Use the comparison table above to see all 2 stores 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 not a loan or credit purchase — it is a terminable lease. You can return items at any time without penalty. California has consumer protection laws governing RTO transactions. Ask the store for a copy of your agreement before signing.

Data Accuracy Notice

Store details including hours, address, phone number, and product availability are sourced from publicly available retailer data and updated regularly. This information may not reflect recent changes — always contact the store directly to confirm current hours, inventory, and pricing before visiting. 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. Reviews and ratings shown are from Google and reflect the opinions of individual reviewers, not VRTO. See our full disclaimer and data collection methodology.

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Browse by Category in Modesto

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Frequently Asked Questions About Rent-to-Own in Modesto

Modesto, CA has 2 rent-to-own stores listed in the VRTO directory, operated by 2 companies: Aaron's and Rent-A-Center. Each store offers different products and payment options. Browse the listings above to compare hours, ratings, and contact info.

Most rent-to-own stores in Modesto 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 Modesto offer furniture, appliances, electronics, computers, smartphones, and mattresses. 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. Use the comparison table above to see what each of the 2 local stores carries.

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 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.