Last checked 2 weeks ago
Rent to Own Stores in Shelbyville, Indiana
2 stores across 7 categories
Shelbyville, IN has 2 rent-to-own stores listed in the VRTO (Virtual Rent To Own) directory. Available companies include American Rental, 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.
Shelbyville at a glance
2
RTO Stores
2
Companies
4.2 ★
Avg Rating
369
Reviews
Brands here
American Rental
Rent-A-Center
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Companies
Furniture
Appliances
Electronics
Computers
Mattresses
+2 more
Last checked 2 months ago
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Companies
Compare 2 rent-to-own stores in Shelbyville
See ratings, products, and contact info side by side.
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 | |
|---|---|---|---|---|
| American Rental | 4.8 313 reviews | 433 Amos Rd | (317) 421-1500 | Visit Website |
| Rent-A-Center | 3.6 56 reviews | 2525 In-44 | (317) 398-0197 | Visit Website |
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
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
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
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
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
Extremely great they make sure I have what I need
conspiracy Gamer
Reviews from Google
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.
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 Shelbyville
Rent-to-own in nearby cities
All rent-to-own stores in IndianaRent-to-own in Shelbyville, answered
Shelbyville, IN has 2 rent-to-own stores listed in the VRTO directory, operated by 2 companies: American Rental 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 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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