VRTO

Rent to Own Stores in Lake City, FL

Lake City, 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, Buddy's Home Furnishings. 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
4.3 ★ Avg Rating
393 Reviews

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Compare Rent-to-Own Stores in Lake City, FL

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

Store Rating Location Phone
Buddy's Home Furnishings 4.7 238 reviews 1569 W Us-90 (386) 755-3777 Visit Website
Aaron's 3.8 155 reviews 2724 W Us Hwy 90 (386) 755-2419 Visit Website

Store Hours Today (Sunday)

0 stores open now
2 currently closed

What Customers Are Saying

Recent reviews from rent-to-own stores in Lake City.

I've been dealing with buddies since 2004 and have never had anything but great service. I love the team at the lake city branch they are friendly, curtious, respectful and always help to solve any issues in a timely mannor . Keep up the great work guys. Thank you for everything. Ms Grace

Julie Grace
Buddy's Home Furnishings

I've been a loyal customer even before they were Buddy's 10 years+ I'd recommend them to everyone.

Allen
Buddy's Home Furnishings

I would like to give a big shout out to Ashely at the buddy's store in lake city since I became a member their she as been a blessing , great person , great attitude nd always there when you need her thank you

Martevius Claridy
Buddy's Home Furnishings

I have been coming here for 5 years now and everyone knows me by name its such a great place always willing to work with you

gigibit gamer
Buddy's Home Furnishings

Amazing customer service I really loved my experience with them and the sales man was excellent

Kihyona . Lee
Buddy's Home Furnishings

I hope I didn't make a mistake! I ordered a washer and dryer from the Lake City Florida Aarons on 9/23/2025 it was supposed to be delivered 5 to 7 Days later. It did not show up. Today is Saturday the 4th of October. I called them, I was told that they can't deliver it for two weeks, but it arrived on Thursday the 2nd. I picked up my washer and dryer on 10/07/2025. I wish this process was quicker and more enjoyable. The employees today we're nice The washer and dryer work good . Communication is the key to great leadership. All the Glory goes to God.

Reggie
Aaron's
Reviews from Google

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

Most stores in Lake City 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 Lake City

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 Lake City.

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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Browse by Category in Lake City

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Frequently Asked Questions About Rent-to-Own in Lake City

Lake City, FL has 2 rent-to-own stores listed in the VRTO directory, operated by 2 companies: Aaron's and Buddy's Home Furnishings. 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 Lake City 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 Lake City 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.