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Rent to own stores in Ottawa, Illinois

1 rent-to-own store serves Ottawa, IL.

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 1 rent-to-own store in Ottawa, 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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What customers are saying

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

My Mother's refrigerator kicked the bucket. I called RAC and Shaunna was amazing! She helped me rent a new fridge at a great price and had it delivered within 2 hours! I couldn't believe it! Tony and Kimo delivered it and were both very patient and super helpful with turning off the water to the icemaker (not an easy task). They even moved the old fridge to the garage for us to have it hauled away. I had only hoped that they'd deliver the new fridge in its shipping box to put my Mom in...to have her hauled away too. Oh well.... ;) Kudos to these kind folks at RAC! They all went way above and beyond for us!!!

Daun Thompson
Rent-A-Center

I've been renting to own sense 2016. I've never had a bad experience. I've gotten washer dryers. Fridges. Ac units. 8 or more laptops. Beds. Chairs. Very friendly staff. Always helpful. Happy ppl. I highly suggest that you try them. Super gold star manager. Great delivery guys.

adventures with the Grasshopper
Rent-A-Center

Tony is awesome! Our AC went out and it is HOT! He went out of his way to help us get what we need! I was impressed with his dedication and stellar customer service!

Sarah Fox
Rent-A-Center

Where do I begin! Rent-a-center has beyond helpful and understanding! Communication is very easy and delightful and I always know they are here to help! THE LADY WHO GIES BY THE ALIAS SHUANA IS GOD SENT!

Benjamin Montez
Rent-A-Center

Extremely hard working people and absolute friendly service. Shauna is very nice! I plan on continuing to use this Rent-A-Center for any furniture needs.

Brittanie Merrick
Rent-A-Center
Reviews from Google
Ottawa, IL

What renting to own in Ottawa looks like

1 rent-to-own store serves Ottawa, IL, from 1 company.

Stores here include Rent-A-Center (363 W Stevenson 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 Ottawa 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 Ottawa

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 store in Ottawa.

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 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

Lasalle (1) Peru (1) Streator (1) Chicago (5) Springfield (5) Decatur (4) Belleville (3) Bloomington (3)
All rent-to-own stores in Illinois

Categories in Ottawa

Furniture(1) Appliances(1) Electronics(1) Computers(1) Mattresses(1) Smartphones(1) Gaming(1)

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

Renting to own in Ottawa, answered

There are 1 rent-to-own store in Ottawa, IL, from 1 company: Rent-A-Center. Confirm important listing details directly with the retailer.
Most rent-to-own stores in Ottawa 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 Ottawa 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. 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. 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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