VRTO

Rent to Own Stores in Fort Walton Beach, FL

Fort Walton Beach, FL has 2 rent-to-own stores listed in the VRTO (Virtual Rent To Own) directory, updated daily from verified retailer data. Available companies include Aaron's, Rent-A-Center. Product categories available: appliances, computers, electronics, furniture, gaming, jewelry, mattresses, smartphones. Rent-to-own transactions are legal and regulated in FL (Source: State Legislature). Early purchase rights: Consumer may purchase the property at any time by paying 60% of the remaining periodic payments plus any past-due amounts.. Most rent-to-own locations do not require a credit check — approval is typically based on income verification.

2 RTO Stores
2 Companies
4.0 ★ Avg Rating
210 Reviews

Compare 2 rent-to-own stores in Fort Walton Beach

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Compare Rent-to-Own Stores in Fort Walton Beach, FL

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

Store Rating Location Phone
Rent-A-Center 4.3 88 reviews 119 Racetrack Rd Nw Ste #E (850) 863-4555 Visit Website
Aaron's 3.8 61 reviews 796 Beal Pkwy Nw Ste 4 (850) 315-0266 Visit Website

Store Hours Today (Sunday)

0 stores open now
3 currently closed

What Customers Are Saying

Recent reviews from rent-to-own stores in Fort Walton Beach.

Went in 2 weeks ago for my son Christmas gift and Jason was awesome. I haven't rented from this company since I moved from Texas. After this is paid I will order more things. Jason is awesome and nice. Very down to earth. Thanks for the opportunity.

Yolanda Smith
Rent-A-Center

No public restroom but they saw the panic in a mamas face and they were so kind to let my daughter use their restroom! Super nice people!

Kayleigh FLoyd
Rent-A-Center

I had a large heavy double recliner couch delivered and the guys were great , had it wrapped and very careful about getting in the Bedroom / Next Delivery was a Platform Bed King and Chest of Drawers. Very Professional and they Assembled the Platform Bed carefully and correctly 👍👍

Rick Miron
Aaron's

A couple of months ago, our neighbors across the street were getting furniture from this Aaron’s Furniture location in Ft. Walton Beach. It was early in the evening, kinda dark and hazy that day. The truck delivering the furniture accidentally backed up and knocked out mailbox down. The two employees immediately came to our door to inform us. One was on the phone with the company letting them know what happened. The managers name is Clint. He spoke with my husband and said we will have a new mailbox put up the following day. We weren’t upset. We understand accidents happen. Before noon the next day we had a new mailbox put that looked almost identical to ours. It actually looks like an upgraded one. My husband and I were extremely impressed and pleased with the immediate attention taken to fix an accident! I had to call and talk to the manager, Clint, to let him know what an exceptional experience we had from beginning to end. The drivers were prompt, polite and very apologetic. Clint made it happen!! Our mailbox was replaced in just over 12 hours!!! Who sees that kind of professional and honest experience with a retailer anymore? Well, trust me when I say that Clint and his employees are the best! Clint was so friendly we could have talked for hours on the phone. It was a perfect all-around experience!!! Thank you to Clint and all of the Aaron’s Furniture employees at the Ft. Walton Beach location! Never hesitate to go see them when you’re shopping around. You’ll happy you did! They deserve more than 5 stars!⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️

H I
Aaron's

Jason & his staff went above and beyond to help me short notice to get furniture from my home . They are an absolute god send & couldn’t be more thankful for the amount of service & professionalism & understanding that they had for me . Extremely helpful I say 10 STARS all the way around !!

Brittany Callan
Aaron's

We are snowbirds from Arkansas. We have rented 2 recliners from the Ft. Walton Beach store for 2 months+ for 11 years. The people in that store are very professional, helpful and courteous. We have been through several different people in the past and ALL of them have gone above and beyond to fill our requests. For two 88 years old, these recliners are very important as the furniture in the condo is nice, it is not comfortable. With our aches and pains the recliners are an absolute must. From the manager of the store, Jason, to the person on the phone that helps us, Arlene, to the delivery people, they are all TOP NOTCH. Without their help and Aaron Rentals that supplies the recliners, we would not be able to continue our annual trip to N W Florida. Thanks to all the Aaron people at Ft. Walton Beach. Larry & Lori L from Arkansas

Larry Langley
Aaron's
Reviews from Google

What to Bring When Visiting a Rent-to-Own Store

Most stores in Fort Walton Beach 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

No credit check required at most stores.

Rent-to-own is not a loan or credit purchase. You can return items at any time without penalty. 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 Fort Walton Beach

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 Fort Walton Beach.

Compare Stores Side by Side

Use the comparison table above to see all 2 stores 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 not a loan or credit purchase — it is a terminable lease. You can return items at any time without penalty. Florida has consumer protection laws governing RTO transactions. Ask the store for a copy of your agreement before signing.

Data Accuracy Notice

Store details including hours, address, phone number, and product availability are sourced from publicly available retailer data and updated regularly. This information may not reflect recent changes — always contact the store directly to confirm current hours, inventory, and pricing before visiting. 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. Reviews and ratings shown are from Google and reflect the opinions of individual reviewers, not VRTO. See our full disclaimer and data collection methodology.

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Frequently Asked Questions About Rent-to-Own in Fort Walton Beach

Fort Walton Beach, FL has 3 rent-to-own stores listed in the VRTO directory, operated by 2 companies: Aaron's and Rent-A-Center. Each store offers different products and payment options. Browse the listings above to compare hours, ratings, and contact info.

Most rent-to-own stores in Fort Walton Beach 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 Fort Walton Beach offer furniture, appliances, electronics, computers, smartphones, and mattresses. 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 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.