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Rent to own stores in Shelbyville, Indiana

2 rent-to-own stores serve Shelbyville, IN, and 2 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 2 rent-to-own stores in Shelbyville, IN

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

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Compare 2 rent-to-own stores in Shelbyville

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

Compare Stores

Compare Rent-to-Own Stores in Shelbyville, IN

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

Store Google rating Location Phone Links
American Rental 4.8 318 reviews 433 Amos Rd (317) 421-1500 Website: American Rental, 433 Amos Rd
Rent-A-Center 3.7 58 reviews 2525 In-44 (317) 398-0197 Website: Rent-A-Center, 2525 In-44

What customers are saying

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

Communicated well, and still got washer/dryer delivered in same time frame even with needing to be towed. Polite, and friendly installers, in an out very quickly even with problems with power to dryer receptacle........price is affordable per week, a little high on the long end but it's good for people living check to check.......appreciate all your time and help......

Joseph Richard Drinkut
American Rental

Great place, great staff! The process was quick and smooth had our furniture in two day! Delivery was on time, both men were polite and friendly!! Love the 6 months same as cash option and will definitely use them again if the need arises!! If you've been on the fence definitely give this place a shot you won't regret it!!

Amy Ennis
American Rental

From the moment I walked into the store to the final delivery, the entire experience was exceptional. The staff was knowledgeable, friendly, and genuinely took the time to answer my questions without making me feel pressured. Communication throughout the process was excellent, and the delivery team was professional, courteous, and efficient. They arrived on time, handled everything with care, and made the entire process smooth and stress-free. It’s refreshing to work with a company that values both outstanding customer service and professionalism. I would absolutely recommend them to anyone looking for a great experience from start to finish.

Becca Badger
American Rental

Communicated well, and still got washer/dryer delivered in same time frame even with needing to be towed. Polite, and friendly installers, in an out very quickly even with problems with power to dryer receptacle........price is affordable per week, a little high on the long end but it's good for people living check to check.......appreciate all your time and help......

Joseph Richard Drinkut
American Rental

Great place, great staff! The process was quick and smooth had our furniture in two day! Delivery was on time, both men were polite and friendly!! Love the 6 months same as cash option and will definitely use them again if the need arises!! If you've been on the fence definitely give this place a shot you won't regret it!!

Amy Ennis
American Rental

Extremely great they make sure I have what I need

conspiracy Gamer
Rent-A-Center
Reviews from Google
Shelbyville, IN

What renting to own in Shelbyville looks like

2 rent-to-own stores serve Shelbyville, IN, from 2 companies.

Stores here include American Rental (433 Amos Rd), Rent-A-Center (2525 In-44).

Indiana regulates rent-to-own under Indiana Rental-Purchase Agreement Act. The law gives you an early purchase option (Consumer may purchase the property at any time by paying 50% of the remaining periodic payments plus any outstanding balance.), 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 Shelbyville 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 Shelbyville

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 Shelbyville.

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.

Indiana law

What Indiana law gives you before you sign

Indiana regulates rent-to-own under Indiana 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.

Indiana Rental-Purchase Agreement Act Ind. Code §§ 24-7-1-1 to 24-7-9-3
Disclosure requirements Must disclose total number and amount of payments, total cost, cash price, a statement that the consumer does not acquire ownership until al...
Early buyout rights Consumer may purchase the property at any time by paying 50% of the remaining periodic payments plus any outstanding balance.

Nearby cities

Indianapolis (17) Anderson (3) Franklin (2) Greenfield (2) Noblesville (2) Lebanon (1) Speedway (1) Elkhart (5)
All rent-to-own stores in Indiana

Categories in Shelbyville

Furniture(2) Appliances(2) Electronics(2) Computers(2) Mattresses(2) Smartphones(1) Gaming(2) Tires & Wheels(1)

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

Renting to own in Shelbyville, answered

There are 2 rent-to-own stores in Shelbyville, IN, from 2 companies: American Rental, Rent-A-Center. Confirm important listing details directly with the retailer.
Most rent-to-own stores in Shelbyville 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 Shelbyville 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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