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Rent to own stores in Modesto, California

2 rent-to-own stores serve Modesto, CA.

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 Modesto, 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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2 stores shown · sorted by relevance

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Stockton Ceres Turlock Bakersfield Fresno

Compare 2 rent-to-own stores in Modesto

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

Compare Stores

Compare Rent-to-Own Stores in Modesto, CA

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

Store Google rating Location Phone Links
Rent-A-Center 4.2 92 reviews 1717 Oakdale Rd Ste #A (209) 524-7368 Website: Rent-A-Center, 1717 Oakdale Rd Ste #A
Aaron's 3.5 124 reviews 1234 Mchenry Ave Ste D (209) 544-1108 Website: Aaron's, 1234 Mchenry Ave Ste D

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 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 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
Reviews from Google
Modesto, CA

What renting to own in Modesto looks like

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

Stores here include Rent-A-Center (1717 Oakdale Rd Ste #A), Aaron's (1234 Mchenry Ave Ste D).

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 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

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 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 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

Stockton (3) Ceres (1) Turlock (1) Bakersfield (3) Fresno (3) Lancaster (3) Sacramento (3) Visalia (3)
All rent-to-own stores in California

Categories in Modesto

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

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

Renting to own in Modesto, answered

There are 2 rent-to-own stores in Modesto, CA, from 2 companies: Aaron's, Rent-A-Center. Confirm important listing details directly with the retailer.
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 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. 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 (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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