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Rent to own stores in Lake City, Florida

2 rent-to-own stores serve Lake City, 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.

Looking for sheds and portable buildings? 5 companies in the Live Oak area serve Lake City

Stores

The 2 rent-to-own stores in Lake City, 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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Live Oak Tampa Jacksonville Miami Orlando

Compare 2 rent-to-own stores in Lake City

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

Compare Stores

Compare Rent-to-Own Stores in Lake City, 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 4.7 251 reviews 1569 W Us-90 (386) 755-3777 Website: Buddy's Home Furnishings, 1569 W Us-90
Aaron's 3.8 160 reviews 2724 W Us Hwy 90 (386) 755-2419 Website: Aaron's, 2724 W Us Hwy 90

What customers are saying

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

Can't beat the buddy's team they always go above and beyond and if you need anything get with Ashley she has a way with finding you what you want even for holidays she is always trying to make her customers feel special

CHARLES
Buddy's Home Furnishings

I’ve had a great experience with Buddy’s Home Furnishings Rent-to-Own. The customer service is always outstanding, and everyone is friendly, professional, and willing to help. Every time I visit, I’m greeted with a smile and treated with respect. A special shoutout to Ashley—she is absolutely amazing! She’s knowledgeable, patient, and always goes above and beyond to make sure customers are taken care of. Her positive attitude and excellent service make the whole experience even better. If you’re looking for quality furniture and a team that truly cares about its customers, I highly recommend Buddy’s Home Furnishings Rent-to-Own! Keep up the awesome work Cisco

Itz Krilla
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

Very friendly staff great customer service and awesome prices

Kelley Collazo
Buddy's Home Furnishings

Great staff. Great prices. I have been dealing with them for years

Richard Collazo
Buddy's Home Furnishings

I give 5 stars because people are not perfect, time and unforseen occurrences happens. I ordered online, i was told they could deliver on a Monday but it was a mistake and it was delivered a Wednesday. The staff were nice and pleasant. They are busy and sometimes the phone rings for awhile,which shows how busy they are. Anytime someone answers they are very professional and polite. They delivery people were so sweet and helpful. Thanks you for your help.

Shelly Waddell
Aaron's
Reviews from Google
Lake City, FL

What renting to own in Lake City looks like

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

Stores here include Buddy's Home Furnishings (1569 W Us-90), Aaron's (2724 W Us Hwy 90).

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 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

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 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 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

Live Oak (1) Tampa (17) Jacksonville (16) Miami (11) Orlando (9) Gainesville (7) Pensacola (7) Bradenton (6)
All rent-to-own stores in Florida

Categories in Lake City

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

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

Renting to own in Lake City, answered

There are 2 rent-to-own stores in Lake City, FL, from 2 companies: Aaron's, Buddy's Home Furnishings. Confirm important listing details directly with the retailer.
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 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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