VRTO

Rent to Own Computers

Start your remote job with a laptop this week. Get your student a computer for school today. Pay weekly.

Rent-to-own computers and laptops provide immediate access to desktops, laptops, and workstations for work, school, or personal use — with no traditional credit check. The CFPB estimates 45 million Americans are credit invisible or have credit files too thin to score. Rent-to-own bypasses this barrier entirely: approval is based on income verification and a valid ID, not a FICO score. Rent-to-own is a terminable lease; you can return any computer at any time without penalty.

$12–$30 Per week
12–18 months Typical Term
3,881 Stores
50 States

Find Computers Stores Near You

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

Companies Offering Rent-to-Own Computers

Aaron's, Rent-A-Center, and specialty RTO retailers carry computers and laptops in all 50 states. Browse by state below to find specific store locations, hours, and contact information in your area. View all companies →

What to Know Before Renting Computers

Match Specs to Your Actual Needs

For basic browsing, email, and documents, a Chromebook or entry-level laptop works fine at $12–$15 per week. For gaming, video editing, or professional work, invest in higher specs at $25–$30 per week. Do not overpay for features you will not use — a student laptop does not need a gaming GPU.

Desktop vs. Laptop: More Power Per Dollar

Desktop computers offer more processing power for the same weekly payment. If you do not need portability, a rent-to-own desktop gives you better performance for work or gaming. If you work from multiple locations, a laptop is worth the premium.

Early Purchase Option Saves the Most

Computers depreciate quickly like electronics. If you can buy within 90 days using the same-as-cash option, you pay only the retail price — getting free delivery and setup as a bonus. Use our calculator to see how much you can save with early purchase.

Protect Your Data Before Returning

If you return a rented computer, your personal data could be exposed. Always back up your files to an external drive or cloud storage, log out of all accounts, and perform a factory reset before returning any device to the store.

What to Bring to a Computers Store

Bring a valid photo ID, proof of income, and proof of residence. Know what you need the computer for (basic browsing, school, work, gaming) so the store can recommend the right specs.

Estimate your total cost → Read our RTO guides →

Popular Rent-to-Own Computers

Laptops (Windows and Chromebook), desktop computers, gaming PCs, monitors, printers, and computer accessories.

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

Rent to Own Computers by State

Find rent-to-own computers 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 Computers FAQ

Rent-to-own laptops cost $12–$30 per week depending on specifications. A basic laptop for browsing and documents runs about $12–$15 per week. A gaming laptop or high-performance workstation costs $25–$30 per week. Use our calculator at vrto.com/calculator to estimate total cost with the early purchase option.

No. Rent-to-own computer stores do not require a traditional credit check. Approval is based on income verification and a valid photo ID. The CFPB estimates 45 million Americans are credit invisible or have files too thin to score — rent-to-own serves these consumers directly.

Some rent-to-own computers include pre-installed software like Microsoft Office and antivirus programs. Others ship with only the operating system. Ask the store what software is included before signing your lease agreement, as purchasing software separately can add $100–$200 to your total cost.

Desktop computers offer more processing power per dollar. If you do not need portability, a rent-to-own desktop gives you better performance at the same weekly payment as a laptop. A gaming desktop at $20/week outperforms a gaming laptop at $30/week. If you need to work from multiple locations, a laptop is the better choice.

Before returning any rented computer: (1) back up all personal files to an external drive or cloud storage, (2) log out of all accounts — email, banking, social media, (3) remove any saved passwords, and (4) perform a factory reset to erase your data. This protects your personal information.

How Rent-to-Own Computers Works

When you rent to own computers, 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 computers 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.