VRTO

Rent to Own Stores in Live Oak, FL

Live Oak, FL has 1 rent-to-own store listed in the VRTO (Virtual Rent To Own) directory, updated daily from verified retailer data. Available companies include Aaron's. 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.

1 RTO Stores
1 Companies
3.7 ★ Avg Rating
122 Reviews

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Store Hours Today (Sunday)

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2 currently closed

What Customers Are Saying

Recent reviews from rent-to-own stores in Live Oak.

The live oak store gets a 5 star the lady that assisted me today was wonderful everything went smooth as it did the first time I came and got an a/c but when the lady was trying to get ahold of the lake city store to verify that the washer and dryer that I wanted is in stock I ended up waiting 45min were I tried to call to see what was going on they answered my call and immediately put me on hold then not a min later the phone starting ringing and the call ended. I was told that the lady at the lake city store said she transferred my call to the live oak store but i was standing in the live oak store the whole time and the store phone never rang i had to leave because i did not want to be late for work today and the only reason I am going back to give aarons my business is because of the lady who runs the live oak store she was very professional and had a very professional attitude with the situation. lake city store gets a 1 star

Eric Loney
Aaron's

Been dealing with this Aaron's for a couple of years now and I have nothing but good things to say about this store. Always helpful. Never have any attitude with employees. They legit are ready to help you out. I love this store and the management and employees that work here. Hands down the best Aaron's I have dealt with between Valdosta GA and lake city FL.

William Boone
Aaron's

I was in the store on Thursday and made a large purchase with Lollie. Was very satisfied with my salesperson excellent customer service. Very satisfied with my purchase my pricing and my availability to pick up from store when there. No complaints from no personnel in the store and furthermore was very helpful loading my furniture with me. I have done a tremendous amount of business with their manager Jessica and she has always gone above and beyond her call of duties to make sure that I have had excellent service and will always come back to this store and only this store. Her warehouse men that she has employed has always been very helpful and polite as well. Thanks to everyone at Home Furniture & More for a wonderful experience and a pleasure doing business with this company. Thank you Tina

Tina Bermudez
Aaron's

I had a great experience at Home Furniture and More in Live Oak. Kwame Roberson runs a solid business with quality furniture and fair prices. He took the time to help me find exactly what I needed without any pressure. You can tell he cares about customer satisfaction and making sure people leave happy. Definitely recommend checking this place out if you’re furnishing your home.

Tyrese
Aaron's

We had such a good experience getting our new sofa set today! Lollie was great and very personable! Duke had our stuff ready to be loaded by the time we drove around back and had it loaded in minutes 👏

Harli Anderson
Aaron's

Lollie was amazing! Great deal and the best customer service. We always come here first and end up with great savings!

Andrew Seaman
Aaron's
Reviews from Google

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

Most stores in Live Oak 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 Live Oak

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 1 stores in Live Oak.

Compare Stores Side by Side

Check the store listing above for ratings, products offered, and contact details before making your visit.

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 Live Oak

appliances in Live Oak computers in Live Oak electronics in Live Oak furniture in Live Oak gaming in Live Oak jewelry in Live Oak mattresses in Live Oak smartphones in Live Oak tires-wheels in Live Oak

Frequently Asked Questions About Rent-to-Own in Live Oak

Live Oak, FL has 2 rent-to-own stores listed in the VRTO directory, operated by 1 company: Aaron's. 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 Live Oak 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 Live Oak 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. Visit the store listing above for full product details.

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.