VRTO

Rent to Own Stores in Council Bluffs, IA

Council Bluffs, IA has 2 rent-to-own stores listed in the VRTO (Virtual Rent To Own) directory, updated daily from verified retailer data. Available companies include Ace Rent To Own, Rent-A-Center. Product categories available: appliances, computers, electronics, furniture, gaming, jewelry, 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.

2 RTO Stores
2 Companies
4.4 ★ Avg Rating
297 Reviews

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Compare Rent-to-Own Stores in Council Bluffs, IA

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

Store Rating Location Phone
Ace Rent To Own 4.2 179 reviews 3401 W. Broadway, (712) 322-5300 Visit Website
Rent-A-Center 4.5 118 reviews 1823 W Broadway (712) 322-4191 Visit Website

Store Hours Today (Monday)

0 stores open now
3 currently closed

What Customers Are Saying

Recent reviews from rent-to-own stores in Council Bluffs.

I love this place they are very helpful and kind and they will work with you.If you need them to , but they are some awesome people there

Mike Emmons
Ace Rent To Own

Best store hands down is the Ace in Council Bluffs!! Love those girls that work there! They do everything and anything to help get me what I need and to manage my payments! Thank you Ace Rent To Own Council Bluffs!!!

Miranda Lewis
Ace Rent To Own

RENT-A-CENTER; PEOPLE THERE ARE GREAT, WONDERFUL, CARING, FANTASTIC, THEY GO OUT OF THEIR WAY TO GET WAY TO HELP YOU. I'VE BEEN WITH THEM FOR YEARS. Keep up the fantastic job you guys do. (GOD BLESS)☆☆☆☆☆

Marilyn Lamb
Rent-A-Center

I have rented several items from them. Customer services is top notch and communication is great.

Miranda Richmond
Rent-A-Center

I've rented several items from the Council Bluffs, Iowa location. The entire staff is always friendly and professional. The quality of merchandise has always been great. Highly recommend this location.

Kelly Brady
Rent-A-Center

I have rented from these guys for years and they always make me feel like family! All the guys have given me the utmost respect and I am so grateful for that! If I've ever had a complaint Ron or Jerry have been on it right away. I am so grateful for all the respect that they've given me! Thank you all so much!

Tina Life
Rent-A-Center
Reviews from Google

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

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

Shopping for Rent-to-Own in Council Bluffs

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 Council Bluffs.

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. Iowa 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 Council Bluffs

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Frequently Asked Questions About Rent-to-Own in Council Bluffs

Council Bluffs, IA has 3 rent-to-own stores listed in the VRTO directory, operated by 3 companies: Ace Rent To Own, Arona, 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 Council Bluffs 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 Council Bluffs 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. 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 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.