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Rent to Own Stores in Chicago, Illinois

5 stores across 7 categories

Chicago, IL has 5 rent-to-own stores listed in the VRTO (Virtual Rent To Own) directory. Available companies include Aaron's, Rent-A-Center. Product categories available: appliances, computers, electronics, furniture, gaming, mattresses, smartphones. With a population of 2,693,976 and a median household income of $65,781 (Source: US Census Bureau, American Community Survey), Chicago represents a well-served rent-to-own market. 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. Compare locations, hours, and ratings below. Most stores don't require a traditional credit check, and you can return anytime.

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Compare 5 rent-to-own stores in Chicago

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

Compare Stores

Compare Rent-to-Own Stores in Chicago, IL

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

Store Google rating Location Phone
Rent-A-Center 3.8 95 reviews 3039 N Pulaski Rd (773) 202-9090 Visit Website
Rent-A-Center 3.7 62 reviews 4709 S. Kedzie Ave (773) 847-1907 Visit Website
Aaron's 3.7 109 reviews 9301 S Western Ave (773) 767-7200 Visit Website
Rent-A-Center 3.5 120 reviews 7131 S Jeffery Blvd (773) 324-4800 Visit Website
Aaron's 3.5 70 reviews 6420 W Fullerton Ave Ste B-100 (708) 344-2222 Visit Website

What customers are saying

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

I say it was easy to fill out on my own until the store had to step in on there part

Jessica Wilson
Rent-A-Center

I say it was easy to fill out on my own until the store had to step in on there part

Jessica Wilson
Rent-A-Center

I love these guys no matter what’s needed they will make it happen. Always friendly and professional

Shawny’s World
Rent-A-Center

I want to shout out Angel for her incredible customer service. From the moment I called, she was empathetic to my concerns—something I genuinely appreciated, especially during a rough time navigating financial stress and family matters with my dad. I originally called to return my furniture, but Angel went above and beyond to help me find a more affordable solution without losing the bundled deal I had in place. That kind of support isn’t just helpful—it’s rare. This is the level of care and service every company should aim for. If Angel isn’t already a manager, she absolutely should be. Thank you, Angel!

highkalorie
Rent-A-Center

Went there just to drop off a package but ended up buying something

Atari Martin
Rent-A-Center

Friendly staff & affordable payment plans ! Weekly sale prices are awesome 😎 & nice variety of furniture

Chicago girl Reviews
Rent-A-Center
Reviews from Google

What to bring when visiting a rent-to-own store

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

Shopping for rent-to-own in Chicago

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 5 stores in Chicago.

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. Illinois has consumer protection laws governing RTO transactions. Ask the store for a copy of your agreement before signing.

Renting to own in Illinois: what the law gives you

Illinois has a specific rent-to-own statute (Illinois Rental-Purchase Agreement Act). Agreement structure, charges, returns, collections, and credit reporting can vary. Always read the agreement and confirm the terms with the store before you sign.

About rent-to-own in Chicago

Find rent-to-own stores in Chicago, IL. Compare pricing and options from local stores.

Shop by category in Chicago

appliances computers electronics furniture gaming mattresses smartphones

Rent-to-own in nearby cities

South Chicago Heights Calumet City Calumet Park Chicago Heights Springfield Decatur Rockford Belleville
All rent-to-own stores in Illinois

Rent-to-own in Chicago, answered

Chicago, IL has 4 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 Chicago 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.

Chicago winters with ice, salt, and potholes create heavy tire replacement demand from November through March. Local RTO tire providers in Chicago offer flexible payment options that help drivers maintain safe tires year-round without large upfront costs.

Rent-to-own stores in Chicago 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.

Chicago has a median household income of $61,811 and a poverty rate of 18.4%. RTO provides an accessible path to household essentials without credit checks. The third-largest U.S. city with strong RTO demand in South and West Side neighborhoods 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. 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.

The Chicago metro area (9.5 million residents) has third-largest U.S. city with strong RTO demand in South and West Side neighborhoods. With extreme seasonal temperature swings from -10F to 95F, local RTO stores tailor their inventory to meet specific community needs across all product categories.

RTO total cost in Chicago typically ranges from 1.5x to 2.5x the retail cash price, paid over 12-24 months. Under 815 ILCS 155 (Rental-Purchase Agreement Act), Illinois dealers must disclose the total cost upfront. Early purchase options can significantly reduce the total amount paid.

Chicago experiences extreme seasonal temperature swings from -10F to 95F, which shapes local RTO demand. Living room furniture, appliances like washers and refrigerators, and electronics are consistently popular. The 36.9 inches of annual rainfall also drives demand for reliable transportation items including tires.

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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