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Rent to Own Stores in Ames, Iowa

1 store across 7 categories

Ames, IA has 1 rent-to-own store listed in the VRTO (Virtual Rent To Own) directory. Available companies include Rent-A-Center. Product categories available: appliances, computers, electronics, furniture, gaming, mattresses, smartphones. Rent-to-own transactions are legal and regulated in IA (Source: State Legislature). Early purchase rights: Consumer may purchase the property at any time by paying 50% of the remaining periodic payments plus any past-due amounts. Payment cap: Total cost of the rental-purchase agreement may not exceed 2.0 times the cash price of the property (200% cap). 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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What customers are saying

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

I have been a customer with the Ames Rent A Center for about a year now and any time I have an issue, need to have something changed or fixed, Jamal is always so wonderful to work with!! He is kind, remembers your name and always has a smile on his face! His customer service skills are top notch!!! His team are all very nice as well!!! I will continue to give my business to them!!

Karissa Rankin
Rent-A-Center

Store Manager and Assistant Manager was very kind and extremely professional during my delivery. I am throughly pleased with my purchase and look forward to purchasing more.

Jenna Moore
Rent-A-Center

Ok I came and met the sales representative name Donna Crump and she was very helpful and friendly. I told her what i wanted and she smiled with a friendly attitude as I was looking to start an account with you guys. I must say and admit that she did a wonderful job among helping me get what I was looking for and also we had a very friendly conversation as well and she made me feel welcome and like I’m family and I’m glad to have met her and I will most definitely recommend everyone to her in the Ames Iowa location. I just want to say thank you so much Ms Crump and I will most definitely be back again.

Ricky Junior
Rent-A-Center

I absolutely looove this location. The manager Kaitlyn is so patient, and definitely has great customer service. I would recommend this location to everyone in the Ames area. I most DEFINITELY left there with a smile, and STILL enjoy doing business with them after months of service. Great job to the whole team.

kimberly williams
Rent-A-Center

Store Manager and Assistant Manager was very kind and extremely professional during my delivery. I am throughly pleased with my purchase and look forward to purchasing more.

Jenna Moore
Rent-A-Center
Reviews from Google

What to bring when visiting a rent-to-own store

Most stores in Ames 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 Iowa, stores are required to offer an early purchase option. Requirements vary by store. Call ahead to confirm.

Shopping for rent-to-own in Ames

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 stores in Ames.

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

Renting to own in Iowa: what the law gives you

Iowa has a specific rent-to-own statute (Iowa 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 Ames

appliances computers electronics furniture gaming mattresses smartphones

Rent-to-own in nearby cities

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All rent-to-own stores in Iowa

Rent-to-own in Ames, answered

Ames, IA has 1 rent-to-own store listed in the VRTO directory, operated by 1 company: 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 Ames 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 Ames 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. Iowa 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. Iowa regulates rent-to-own agreements under state consumer protection law. Rent-to-own agreements in Iowa 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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