VRTO

Rent to Own Electronics

Watch the game on a 65" TV tonight. Set up a home theater this weekend. Pay weekly, return anytime.

Rent-to-own electronics let you bring home TVs, sound systems, and home entertainment equipment with small weekly payments and no credit check. Rent-to-own is not credit — it is a terminable lease that you can end at any time without penalty (CFPB v. Snap Finance, 2024). Electronics represent roughly 20% of the RTO industry. Because electronics depreciate faster than furniture or appliances, the early purchase option (EPO) is especially important in this category — exercising EPO within 90 days can save you 40–60% compared to the full lease term.

$15–$35 Per week
12–18 months Typical Term
3,881 Stores
50 States

Find Electronics Stores Near You

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

Companies Offering Rent-to-Own Electronics

Aaron's, Rent-A-Center, and independent electronics RTO stores carry TVs and home entertainment in all 50 states. Browse by state below to find specific store locations, hours, and contact information in your area. View all companies →

Browse Electronics Categories

Explore specific types of electronics available through rent-to-own stores.

TVs
Computers & Laptops
Audio
Phones & Tablets

What to Know Before Renting Electronics

EPO Is Critical for Electronics

Electronics have the widest gap between retail price and total lease cost. A $500 TV may cost $900–$1,200 over the full agreement. The early purchase option within 90 days brings the total close to retail price. The FTC recommends consumers always ask: "What is the cash price? What is the total of all payments? What is the early purchase option?" Use our calculator to estimate your total cost.

New Model Releases Mean Better Deals

When new TV or console models launch, stores often discount the previous generation. Timing your lease around product release cycles can get you better rates or newer hardware for the same weekly payment. This is a smart strategy for budget-conscious renters.

Return Flexibility Is the Key Advantage

The ability to return electronics at any time without penalty is what makes rent-to-own different from financing. If a TV does not meet your expectations or your situation changes, you return it and walk away. No debt, no credit impact, no collections. This flexibility is a core feature of RTO — not a loan, not credit, but a terminable lease.

Bundles Save Money

Many stores bundle accessories — wall mounts, HDMI cables, surge protectors — into the agreement at a lower total cost than adding them separately. Ask about current bundle options before building your agreement item by item.

What to Bring to a Electronics Store

Bring a valid photo ID, proof of income, and proof of residence. Know what TV size fits your space. Ask about the early purchase option, total cost, and whether accessories are included.

Estimate your total cost → Read our RTO guides →

Popular Rent-to-Own Electronics

TVs (32" to 82"+), soundbars, speakers, home theater systems, streaming devices, and audio equipment.

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

Rent to Own Electronics by State

Find rent-to-own electronics 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 Electronics FAQ

Rent-to-own TVs typically cost $15–$35 per week depending on size and brand. A 55" TV averages about $20–$25 per week. A 65" TV runs $25–$30 per week. Over a full 12–18 month agreement, the total cost is higher than retail. The early purchase option (EPO) within 90 days can bring the total down to retail price. Use our calculator at vrto.com/calculator to compare.

Yes. Many rent-to-own stores carry PlayStation 5, Xbox Series X/S, and Nintendo Switch consoles. Weekly payments for gaming consoles typically run $12–$20. Some stores offer bundles that include controllers, games, or headsets at a reduced total. See our gaming category page for more details.

Rent-to-own electronics cost more than retail over the full agreement term. It makes financial sense when you cannot pay retail upfront and cannot qualify for traditional financing. If you exercise the early purchase option within 90 days, you get the item at or near retail price with free delivery included. The key advantage is flexibility — you can return at any time with no penalty or debt.

No. Most rent-to-own stores do not require a traditional credit check. Approval is based on income verification and a valid ID. The CFPB estimates 26 million Americans are credit invisible — rent-to-own serves these consumers by bypassing traditional credit requirements entirely.

Yes. Rent-to-own is a terminable lease. You can return any electronics item at any time — no penalty, no debt, no credit impact. Simply contact the store to arrange a return. Most states also grant reinstatement rights if you want to resume the agreement later and keep your equity toward ownership.

How Rent-to-Own Electronics Works

When you rent to own electronics, 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 electronics 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.