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Rent to Own Stores in Merrillville, Indiana

2 stores across 7 categories

Merrillville, IN has 2 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. 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. 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 2 rent-to-own stores in Merrillville

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Compare Stores

Compare Rent-to-Own Stores in Merrillville, IN

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

Store Google rating Location Phone
Aaron's 3.7 116 reviews 6071 Broadway (219) 981-8000 Visit Website
Rent-A-Center 3.3 77 reviews 6122 Broadway (219) 887-1141 Visit Website

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

Shanika was a great representative she recommended when I was unsure and made sure I was a happy customer I left satisfied… Go To Aarons & Ask For SHANIKA

Denitruis Lomax
Rent-A-Center

Shanika was a great representative she recommended when I was unsure and made sure I was a happy customer I left satisfied… Go To Aarons & Ask For SHANIKA

Denitruis Lomax
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

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

Renting to own in Indiana: what the law gives you

Indiana has a specific rent-to-own statute (Indiana 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.

Shop by category in Merrillville

appliances computers electronics furniture gaming mattresses smartphones

Rent-to-own in nearby cities

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All rent-to-own stores in Indiana

Rent-to-own in Merrillville, answered

Merrillville, IN 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 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 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.

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 (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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