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ZSmart Furniture rents to own in Indiana and Michigan.

4.8 from 1,140 Google reviews across 6 locations How rankings work

ZSmart Furniture is a family-owned and managed rent-to-own retailer with 6 stores across Michigan and Indiana, including Niles and Benton Harbor, Michigan, and Elkhart, Indiana.

ZSmart Furniture carries Furniture Appliances Electronics Computers Mattresses Smartphones

Compiled by VRTO from the directory ยท confirmed Nov 1, 2026

Where they operate

6 stores across Indiana & Michigan. The map plots every location the directory holds coordinates for.

ZSmart Furniture stores

The address, phone number and hours on record for each ZSmart Furniture store. Every record shows the date it was last confirmed. Ratings come from Google and never rank the stores.

What ZSmart Furniture stores carry

ZSmart Furniture leases furniture, appliances, electronics, computers, mattresses and smartphones. A single store can stock differently, so the store page wins for that location.

How rent-to-own works at ZSmart Furniture

The four things worth knowing before you walk in. Confirm the current terms with the store you visit.

No traditional credit check at most stores
Approval is based on income and ID, not your credit score.
Flexible payments
Pay weekly, every two weeks, or monthly.
Early purchase option
Pay it off sooner to own for a lower total cost.
Review return terms
Return timing, fees, item condition, and remaining obligations depend on the agreement.

Recent reviews

Showing 20 of 1,140
Sep 3, 2026

Lauren was absolutely fantastic! She was very polite, professional, and straightforward throughout the entire experience. She made everything easy to understand, answered my questions clearly, and was incredibly helpful. I really appreciated how friendly and efficient she was. Definitely a great experience, and I would highly recommend working with Lauren!

Alexis Santana Niles, MI
Aug 26, 2026

Lauren went above and beyond from the moment I called to the whole making sure I got my delivery today. She was so welcoming. Best experience I've ever had with a company in my life . Will be back for more business one day soon!

Aleah Tritch Niles, MI
Jul 25, 2026

Had these delivered today. 4 loads in three done. The washer and dryer work great. No middle adgetator for clothes to get stuck under or wrapped around. Lots of different wash settings. Dryer works just as well with no issues. Purchase was quick and easy. Very happy I decided to return to them to replace my worn out washer and dryer, which I got from them years ago. Delivery was great. The guys were nice and professional. Very glad I went back

Jim Klaassen Benton Harbor, MI
Jul 18, 2026

This place was great. Very friendly and helpful. Zero pressure. Chad was awesome. I'll definitely be going back to buy more. Furniture selection was great too.

Matt Dowagiac, MI
Jul 15, 2026

They are great. Great communication. They showed up with our couch but it wouldn't fit and they came back with a better set the same day! We have also gotten a bed through them and we absolutely love the furniture. 10 out of 10 recommend going here for your furniture!

Emily Wolfe Elkhart, IN
Jun 30, 2026

Chad never calls back. Finds some reason not to call me back. Loves talking bad about the customers especially me. Personally I wouldnโ€™t come here. Oh and when I come in to make my payment Chadwick gets up and walk away. Is that how business is handled?

LaQuisia Ballard Dowagiac, MI
Jun 22, 2026

I worked with Lauren and she did amazing. Had my freezer delivered within a matter of hours of talking to her the first time. Would highly recommend

Danyol Everett Niles, MI
Jun 4, 2026

I had a great experience purchasing from this store. The buy-here, pay-here option made it affordable and easy for me to get what I wanted without having to pay everything upfront. Rich the store manager & Dave were friendly, helpful, and explained everything clearly. When I was having an issue with it my device they fixed it right away. The whole process was quick and stress-free. I would definitely recommend them to anyone looking for quality products and flexible payment options. Thanks again for the excellent service!

Kayla Ellsworth Elkhart, IN
Jun 3, 2026

Marques and Travis did a great job setting up my fireplace and I had bought a TV before moving here and they even set up the TV for despite me not having a screwdriver for it, they had everything I needed. I would definitely recommend them to everyone!!

Julia Coleman Elkhart, IN
May 9, 2026

They did an amazing job communicating with me and helping with which deal would be best! They brought and set up the furniture for me! I totally recommend them!

Peyton Rowlee Dowagiac, MI
May 9, 2026

Marques and Tim were super helpful and great guys delivering my fridge today. Really went the extra mile when the fridge didnt fit through the door. With this being our 4th time going through zsmart, not once have we been disappointed.

Zoe Shuman Elkhart, IN
May 8, 2026

Staff has always been friendly, helpful and greet customers with smiles. I have never had an issue and have always had a great experience.

Carrie Hughes Sturgis, MI
May 4, 2026

Larry was super helpful and explained everything step by step. The store is clean with multiple options from furniture and appliances to purses. All the employees were very helpful and welcoming. Definitely plan on doing business with them again!

Nicole Sizemore Sturgis, MI
Apr 22, 2026

Tim and Marquees gave me top notch services. This guys are professionals in every word.Overall I am satisfied with my purchase and service rendered.

Tomiwa Funsho Elkhart, IN
Apr 19, 2026

OMG ZSMART IS AMAZING LOVE THEM โค๏ธ THEY ARE AN AMAZING TEAM VERY RESPECTFUL AND LOVING CREW

Leanna Beal Elkhart, IN
Mar 24, 2026

I had a wonderful experience with Lauren at ZSmart Furniture. I needed a couch and she helped me buy a beautiful one. The whole process was easy. Thank you ZSmart and Lauren.

Lavonne Lundquist Niles, MI
Mar 21, 2026

Great service very friendly and helpful. I lovely new stove

Mary Flores Sturgis, MI
Mar 9, 2026

Friendly place good people if you have any questions they will answer them efficiently and knowledgeably and if you need something they don't have it and they can get it they will have it within a day or less if they can

Walter Christopher Sturgis, MI
Mar 4, 2026

Fantastic selection! Great prices! Lauren is amazing! Go see her for all your rental needs

Sam Hance Niles, MI
Mar 2, 2026

We came in about 2 years ago after trying to go through other rent to own places. Chad the main man was able to help us out after we were in desperate need of a few things. After our first purchase of our tv we came back for others. We have gotten a couch, washer and dryer from them. The professional quality of the sales team and delivery team are remarkable. David is our main man for delivery, sales and even tech issues. This is the best store to go to if you want personalized professional services. I will always be a repeat customer for life!

Raylynn Leadingham Dowagiac, MI

About ZSmart Furniture

ZSmart Furniture is a family-owned and managed rent-to-own retailer with 6 stores across Michigan and Indiana, including Niles and Benton Harbor, Michigan, and Elkhart, Indiana. The company has served Michigan-area shoppers for more than 19 years, with a management team that brings over 150 years of combined service. ZSmart carries furniture, appliances, and electronics on flexible weekly or monthly lease agreements, and like most rent-to-own stores it does not require a traditional credit check. Compare ZSmart Furniture on VRTO alongside other rent-to-own stores near you, with hours, ratings, and what each carries.

How this page is built

This page is built from the public record.

The addresses, hours and categories come from the directory, with the date each was last confirmed printed beside it. The rating is ZSmart Furniture's own public Google rating, shown with the number of reviews it came from so you can judge it yourself. VRTO (Virtual Rent To Own) is an independent directory and is not affiliated with, endorsed by, or owned by ZSmart Furniture or any rent-to-own company. ZSmart Furniture is a trademark of its respective owner.

Listings and rankings on VRTO are never paid for.

States with ZSmart Furniture stores

Each opens every rent-to-own store in that state, not only this company's.

ZSmart Furniture, answered plainly

ZSmart Furniture is a rent-to-own operator with 6 stores across 2 states. VRTO lists it in the directory for comparison and is not affiliated with it.
ZSmart Furniture has 6 rent-to-own store locations across 2 states. This directory is updated regularly to ensure accurate information.
The states with the most ZSmart Furniture locations are Michigan (5), Indiana (1).
ZSmart Furniture stores offer rent-to-own options for furniture, appliances, electronics, computers, mattresses, smartphones. Product availability varies by location, so check with your local store for details.
Most rent-to-own stores, including ZSmart Furniture locations, do not require a traditional credit check. Approval is typically based on income verification and proof of residence. Contact your local store directly to confirm requirements.

Is this your company?

Claiming the listing lets you set your own hours and categories, and add your history to the section above.

Claim this listing

Listings and rankings on VRTO are never paid for. Rankings are computed from each store's public Google rating and review count, shown beside every store.

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