VRTO

Rent to Own Stores in Champaign, IL

Champaign, IL 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 IL (Source: State Legislature). Early purchase rights: Consumer may purchase property at any time by paying 50% 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
137 Reviews

Compare 2 rent-to-own stores in Champaign

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Compare Rent-to-Own Stores in Champaign, IL

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Store Rating Location Phone
Rent-A-Center 4.0 81 reviews 811 Bloomington Rd (217) 398-3660 Visit Website
Aaron's 4.0 56 reviews 2410 N Prospect Ave (217) 359-7777 Visit Website

Store Hours Today (Monday)

0 stores open now
2 currently closed

What Customers Are Saying

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

I tell you what this has been the best experience working with Rent-A-Center. You get ahead of the ball game when deals come out and they’re very communicative. I love the customer service that I get every time I go and especially with holidays around the corner, hiding what needs to be hid lol Got a last-minute gift and didn’t want the little one to see and they sure came through for me!!! I highly recommend this Rent-A-Center to anybody Happy holidays

Kendra Price
Rent-A-Center

Drew at the store was amazing. Great customer service. Took the time to go through what to expect and when delivery would be. The delivery guys were really good too. Took the time to check out where I wanted my stove to be placed and even though my home is old and dinged up they took the time to be careful with the delivery

cheryl Me
Rent-A-Center

I work crazy retail hours and after 20 years, my old reliable fridge decided to quit working. New Year's Eve Eve, my husband and I showed up 10 minutes before closing time since it was the only time we had found to stop in. Doors were locked and we tried looking in through the window when an employee noticed us. Andrew went over and above to make sure we were set up for when the store was open the next business day. We are scheduled for delivery on our new fridge and we greatly appreciate Andrew's help with the paperwork to get us set up after the holiday as quickly as possible. If you need furniture, appliances big & small, cellphone, computer of any kind; this rent to own store is a very polite, knowledgeable and willing to work with customers. A 5 star experience

Julie Greenstone
Rent-A-Center

Gaige is awesome, we wouldn’t have bought the couch if it wasn’t for him. The two gentlemen, who Delivered and set up my sofa are also wonderful. Everyone was polite, professional and knowledgeable.

Nichole Hawn
Rent-A-Center

My five stars go directly to Dan. He is so polite and extremely patient. I have had couple of problems with some miscommunication. Dan and I have spoke about 3 times, 2 of the 3 I was pretty irritated. He handled my problem very professionally and helped get things to where now we will have our TV paid off in a couple of months. At one point I was ready to send it back. I suggest you give Dan a raise! he is exceptional at customer service. Dan is the man!! 😁

Jenny Oxier
Aaron's
Reviews from Google

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

Most stores in Champaign 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 Illinois, stores are required to offer an early purchase option. Requirements vary by store — call ahead to confirm.

Shopping for Rent-to-Own in Champaign

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 Champaign.

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. Illinois 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 Champaign

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Frequently Asked Questions About Rent-to-Own in Champaign

Champaign, IL has 2 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 Champaign 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 Champaign 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. Illinois 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. Illinois regulates rent-to-own agreements under state consumer protection law. Rent-to-own agreements in Illinois 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.