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Rent to own stores in Decatur, Illinois

4 rent-to-own stores serve Decatur, IL, and 3 of them are open right now.

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.

Stores

The 4 rent-to-own stores in Decatur, IL

Every row carries the store's address, hours, phone number, and its Google rating, so you can call one today.

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4 stores shown · sorted by relevance

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Compare 4 rent-to-own stores in Decatur

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

Compare Stores

Compare Rent-to-Own Stores in Decatur, IL

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

Store Google rating Location Phone Links
Rent One 4.7 292 reviews 1217 East Pershing Rd (217) 872-6622 Website: Rent One, 1217 East Pershing Rd
Rent-A-Center 4.2 43 reviews 1465 W King St (217) 362-2200 Website: Rent-A-Center, 1465 W King St
Rent-A-Center 3.9 59 reviews 2260 E William St (217) 429-2400 Website: Rent-A-Center, 2260 E William St
Aaron's 3.9 51 reviews 875 E Pershing Rd (217) 233-1234 Website: Aaron's, 875 E Pershing Rd

What customers are saying

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

I love everyone at Rent One. They are kind, sweet and understanding. I have been written from National/Rent One for over 20 some years and I always come back. I pay something off. I keep getting stuff back to back Missy Heather says Bob Nate even the new ones they get to know me know my voice and they help me no matter what

Karoll
Rent One

Heather was a huge help locating the products I wanted in my price range. And both delivery men were extremely nice respectful careful and curtious and explained everything very well were earlier and set up in a timely manner and made the experience GREAT! Love the new stuff.. thank you so much.

Holly
Rent One

Aaron and Seth were great when delivering my washer and dryer. They made sure everything fit very well. They took care to make sure that the furniture wasn't damaged. They were on time. I enjoyed the entire rental process. Would definitely refer my family and friends.

Love Luna
Rent One

So far so good of being a new customer at Rent One!! The delivery men were excellent and my furniture set looks amazing!! Thank you and looking forward to take us to the end for ownership!!

Theresa Brown
Rent One

We have been with Rentone for a long time they always treat us right, friendly and have known our family. We don't go anywhere else price are great and if you have a problem they will take care of what you rent. They did with our washer and replaced it before it was paid off. Cory thank you very much for your help on this last sale. Also a big thank you to Seth and Lexy for the delivery they went above and beyond with everything. Always a pleasure to talk to all of them. I recommend anyone that needs to rent head over to Rentone. Thank you Cory and staff. 😀

tara hancock
Rent One

Had purchased a refrigerator it went bad. Susan Maria, handled with great customer service and helping replace. Susan and Mr. Jodi busted their backs delivering a huge new couch and Refrigerator. It's brutal humid out today. They didn't give up do to design of my door entrances. Great Service, effort, and leadership on their parts. Highly recommending this Location and team. JamesC.

James D Cooper
Rent-A-Center
Reviews from Google
Decatur, IL

What renting to own in Decatur looks like

4 rent-to-own stores serve Decatur, IL, from 3 companies.

Stores here include Rent One (1217 East Pershing Rd), Rent-A-Center (1465 W King St), Rent-A-Center (2260 E William St), Aaron's (875 E Pershing Rd).

Illinois regulates rent-to-own under Illinois Rental-Purchase Agreement Act. The law gives you an early purchase option (Consumer may purchase property at any time by paying 50% 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 Decatur 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 Decatur

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 4 stores in Decatur.

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.

Illinois law

What Illinois law gives you before you sign

Illinois regulates rent-to-own under Illinois 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.

Illinois Rental-Purchase Agreement Act 815 ILCS 175/1 to 175/35
Disclosure requirements Must disclose total number and amount of periodic payments, total cost, cash price, description of property, early purchase option, and rein...
Early buyout rights Consumer may purchase property at any time by paying 50% of the remaining periodic payments plus any past-due amounts.

Nearby cities

Taylorville (2) Chicago (5) Springfield (5) Belleville (3) Bloomington (3) Granite City (3) Jacksonville (3) Litchfield (3)
All rent-to-own stores in Illinois

Categories in Decatur

Furniture(4) Appliances(4) Electronics(4) Computers(4) Mattresses(4) Smartphones(3) Gaming(4) Tires & Wheels(1)

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

Renting to own in Decatur, answered

There are 4 rent-to-own stores in Decatur, IL, from 3 companies: Aaron's, Rent One, Rent-A-Center. Confirm important listing details directly with the retailer.
Most rent-to-own stores in Decatur 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 Decatur 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 3 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 (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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