VRTO

Rent to Own Stores in Merrillville, IN

Merrillville, IN 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 IN (Source: State Legislature). Early purchase rights: Consumer may purchase the property at any time by paying 50% of the remaining periodic payments plus any outstanding balance.. Most rent-to-own locations do not require a credit check — approval is typically based on income verification.

2 RTO Stores
2 Companies
3.5 ★ Avg Rating
192 Reviews

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Compare Rent-to-Own Stores in Merrillville, IN

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Store Rating Location Phone
Rent-A-Center 3.3 77 reviews 6122 Broadway (219) 887-1141 Visit Website
Aaron's 3.7 115 reviews 6071 Broadway (219) 981-8000 Visit Website

Store Hours Today (Sunday)

0 stores open now
2 currently closed

What Customers Are Saying

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

Good people, good service and great product. Little hiccup in the beginning but they jumped on it and took care of me. I'll continue doing business with RAC in the future.

Jose medina
Rent-A-Center

⭐️⭐️⭐️⭐️⭐️ Exceptional Service by Shenika – Ask for Her by Name! If you're headed to Aaron's Furniture in Merrillville, do yourself a favor and ask for Shenika—you will not be disappointed! Shenika delivers first-class customer service from start to finish. She takes the time to understand your needs, offers helpful recommendations, and most impressively, she follows up without you even having to ask. That kind of attentiveness and professionalism is rare, and Shenika does it naturally. Shenika is the kind of sales associate who genuinely cares. She communicates clearly, follows through on every detail, and makes the entire shopping experience smooth and stress-free. Her consistency and dedication to excellent customer care are what set her apart. Shenika, thank you for being outstanding at what you do. You are truly appreciated. Job well done—always! I highly recommend Aaron’s in Merrillville only if you’re working with Shenika! 🌟

Shanise Kemp
Aaron's

shaneka was the best!!!! customer service amazing, attitude great, she helped me choose exactly what i wanted and stay within my price range and i chose the perfect most beautiful bed im very pleased and happy

Reagine Walker
Aaron's

Shanika has been extremely amazing every time I come into Aaron’s each month. It’s almost been a year, and she is an awesome woman who not only does her job well, but also has perfect people skills. We’re always smiling and laughing. I love seeing her face when I walk in. We definitely need more people like her in this crazy world. Please give this beautiful woman a raise! She definitely deserves it💯 Thank you so much for everything Shanika🥰

Amanda Savka
Aaron's
Reviews from Google

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

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

Shopping for Rent-to-Own in Merrillville

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 Merrillville.

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. Indiana 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 Merrillville

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Frequently Asked Questions About Rent-to-Own in Merrillville

Merrillville, IN has 3 rent-to-own stores listed in the VRTO directory, operated by 3 companies: Aaron's, 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 Merrillville 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 Merrillville 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.

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. Indiana 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. Indiana regulates rent-to-own agreements under state consumer protection law. Rent-to-own agreements in Indiana 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.