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Rent to own stores in Cocoa, Florida

2 rent-to-own stores serve Cocoa, FL.

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 Cocoa, FL

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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Compare 2 rent-to-own stores in Cocoa

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

Compare Stores

Compare Rent-to-Own Stores in Cocoa, FL

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

Store Google rating Location Phone Links
Buddy's Home Furnishings 4.6 363 reviews 1087 Clearlake Rd (321) 635-1960 Website: Buddy's Home Furnishings, 1087 Clearlake Rd
Rent-A-Center 4.0 123 reviews 801 Dixon Blvd (321) 690-1870 Website: Rent-A-Center, 801 Dixon Blvd

What customers are saying

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

The guys were great at delivery, in store experience was fast, easy and well informed, over all really great experience

Maggie Robinson
Buddy's Home Furnishings

The General Manager Shaun Davis was absolutely amazing. So easy to talk to and very knowledgeable when it came to his inventory. He is exactly how one should be as a general manager. I look forward to continue doing business in the future!.

Amanda Douglas
Buddy's Home Furnishings

I like the fact that no matter what I can turn to Buddys and Shaun is always there for me. He’s very friendly and family oriented. The place is clean, the people are friendly! I am glad in the event of an emergency that Buddys always saves the day! Five stars ⭐️⭐️⭐️⭐️⭐️

Deneale Williams
Buddy's Home Furnishings

I have got quite a few things from buddy's over the years. Sean and the crew are always polite and helpful. I can call or walk in needing an appliance and get what I need in 24 to 48 hours.

Brittany Hyde-Lechner
Buddy's Home Furnishings

I have dealt with Buddies for years and as always never have had an issue, if so it was handled fast and corrected, their staff and management at the Cocoa fl location starting with Ryan as the lead of the store, he is a great asset to this company and always delivers me satisfaction, thank you Ryan & staff

Jim Price
Buddy's Home Furnishings

If you're looking for expert guidance at Rent-A-Center, ask for Jesus. He was instrumental in helping me find exactly the right product for my situation. His product knowledge is truly outstanding, and it's clear that his more than six years in the business have given him a comprehensive understanding of customer requirements. He knew precisely what would best fit my needs and provided valuable insights. It was a pleasure working with someone so experienced and customer-focused." Ask for Jesus rajah

Jonathan Casasnovas
Rent-A-Center
Reviews from Google
Cocoa, FL

What renting to own in Cocoa looks like

2 rent-to-own stores serve Cocoa, FL, from 2 companies.

Stores here include Buddy's Home Furnishings (1087 Clearlake Rd), Rent-A-Center (801 Dixon Blvd).

Florida regulates rent-to-own under Florida Rental-Purchase Agreement Act. The law gives you an early purchase option (Consumer may purchase the property at any time by paying 60% of the remaining periodic payments plus any past-due amounts.), 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 Cocoa 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 Florida, stores are required to offer an early purchase option. Requirements vary by store. Call ahead to confirm.

Shopping for rent-to-own in Cocoa

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 Cocoa.

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. Florida has consumer protection laws governing RTO transactions. Ask the store for a copy of your agreement before signing.

Florida law

What Florida law gives you before you sign

Florida regulates rent-to-own under Florida Rental-Purchase Agreement 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.

Florida Rental-Purchase Agreement Act Fla. Stat. §§ 559.9231 to 559.9241
Disclosure requirements Must disclose total number and amount of periodic payments, total cost of the agreement, cash price of the property, and whether the propert...
Early buyout rights Consumer may purchase the property at any time by paying 60% of the remaining periodic payments plus any past-due amounts.

Nearby cities

Melbourne (4) Palm Bay (2) Rockledge (1) Tampa (17) Jacksonville (16) Miami (11) Orlando (9) Gainesville (7)
All rent-to-own stores in Florida

Categories in Cocoa

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

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

Renting to own in Cocoa, answered

There are 2 rent-to-own stores in Cocoa, FL, from 2 companies: Buddy's Home Furnishings, Rent-A-Center. Confirm important listing details directly with the retailer.
Most rent-to-own stores in Cocoa 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 Cocoa 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. Florida 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. Florida regulates rent-to-own agreements under state consumer protection law. Rent-to-own agreements in Florida 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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