VRTO

Rent to Own Stores in Miami, FL

Miami, 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 Arona, Rent-A-Center. Product categories available: appliances, computers, electronics, furniture, gaming, jewelry, mattresses, smartphones. With a population of 467,963 and a median household income of $44,268 (Source: US Census Bureau, American Community Survey), Miami represents an underserved rent-to-own market. 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
4.1 ★ Avg Rating
315 Reviews

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Compare Rent-to-Own Stores in Miami, FL

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

Store Rating Location Phone
Arona 4.6 91 reviews 18711 S Dixie Hwy (305) 252-2727 Visit Website
Rent-A-Center 3.8 80 reviews 7900 Nw 27Th Ave (305) 693-9900 Visit Website

Store Hours Today (Sunday)

0 stores open now
12 currently closed

What Customers Are Saying

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

They were very professional. The customer service was great they answered all our questions while making us feel like we were the only customers there. Yes we will return thank to your amazing staff.

Anita Spencer
Arona

Yes, I’ve been I’ve been with Aaron us a long time and me as a customer. I think I deserve something special because everything in my house. Everything I get I pay it off and I don’t get no recognition of nothing so Juan, you said you was gonna talk to someone because I spend a lot of money and yeah I’ll never took nothing for me. Everything I pay off everything Look I’m down to things and I just got another. It should be something they can do for me.

Darrell Collins
Arona

LET'S TALK ABOUT THE ABSOLUTE "BEST" CUSTOMER SERVICE EXPERIENCE ‼️ I HAVE HAD IN ALL MY YEARS OF PURCHASING FURNITURE.... WHEN I TELL YOU MRS.ANAYA & MR.JUAN WENT ABOVE & BEYOND TO MAKE SURE ME & MY HUSBAND GOT JUST WHAT WE WANTED💯 THEY WE'RE AMAZING!!!!!!!GOD TRULY SENT US IN THERE🙌🏾 THANK YOU GUYS SO MUCH💞

Queen Bush
Arona

Their whole entire stuff Are very kind, polite, and go out there way to make sure that all of your needs are met and that your happy with your home goods

karen romero
Arona

I'm absolutely loving my experience with Arona Home Essentials! Their rent-to-own options have been a game-changer for me. I was able to furnish my entire living room with stylish and comfortable pieces without having to pay a fortune upfront. Their selection is amazing, from sleek modern furniture to cozy textiles, and their payment plans are super flexible. What really impresses me is their customer service team. They're always responsive and helpful, whether I have questions about my account or need advice on choosing the perfect piece. The delivery and setup process was seamless, and the quality of the products is top-notch. I've already recommended Arona Home Essentials to friends and family, and I'd do it again in a heartbeat. If you're looking for affordable and stylish home furnishings without the hefty price tag, look no further than Arona Home Essentials. Five stars isn't enough – I'd give them ten stars if I could !!!

Scott Lance
Arona

Great customer service and products. Very affordable prices and easy to get approved. I recommend Arona Home Essentials to everyone. I also suggest for loyal customers like me almost 9 years a customer at your store located on SW 8th Street and 11th Ave. Miami. My monthly payment is over $1,600 per month and never been late on a payment. Arona could show gratitude, and after reaching a certain threshold as put forth by Arona Home Essentials management, give away at least a free TV to those customers that reach that threshold. Just a suggestion.

carlos lopez
Arona
Reviews from Google

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

Most stores in Miami 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 Miami

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 Miami.

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.

About Rent-to-Own in Miami

Find rent-to-own stores in Miami, FL. Compare pricing and options from local stores.

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.

More Rent-to-Own Stores Near Miami

Hialeah

FL · 5 stores

Hollywood

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Miami Gardens

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North Miami

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Dania Beach

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Davie

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Fort Lauderdale

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Homestead

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Browse by Category in Miami

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

Frequently Asked Questions About Rent-to-Own in Miami

Miami, FL has 4 rent-to-own stores listed in the VRTO directory, operated by 3 companies: Arona, RAC Acceptance, 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 Miami 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.

Miami receives 61.9 inches of rain annually and roads experience frequent standing water, making tire tread depth critical for safety. Local RTO tire providers in Miami offer flexible payment options that help drivers maintain safe tires year-round without large upfront costs.

Rent-to-own stores in Miami 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 3 local stores carries.

Miami has a median household income of $44,268 and a poverty rate of 22.7%. RTO provides an accessible path to household essentials without credit checks. The multilingual population with Spanish-speaking RTO staff widely available across Miami-Dade County makes RTO a practical option for many local residents.

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.

The Miami metro area (6.2 million residents) has multilingual population with Spanish-speaking RTO staff widely available across Miami-Dade County. With tropical monsoon climate with heavy summer rainfall and hurricane risk, local RTO stores tailor their inventory to meet specific community needs across all product categories.

RTO total cost in Miami typically ranges from 1.5x to 2.5x the retail cash price, paid over 12-24 months. Under Fla. Stat. 559.9231-559.9241, Florida dealers must disclose the total cost upfront. Early purchase options can significantly reduce the total amount paid.

Miami experiences tropical monsoon climate with heavy summer rainfall and hurricane risk, which shapes local RTO demand. Living room furniture, appliances like washers and refrigerators, and electronics are consistently popular. The 61.9 inches of annual rainfall also drives demand for reliable transportation items including tires.

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.