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Rent to Own Stores in Des Moines, Iowa

3 stores across 9 categories

Des Moines, IA has 3 rent-to-own stores listed in the VRTO (Virtual Rent To Own) directory. Available companies include Arona, Rent-A-Center. Product categories available: appliances, computers, electronics, furniture, gaming, jewelry, mattresses, smartphones. With a population of 214,237 and a median household income of $57,653 (Source: US Census Bureau, American Community Survey), Des Moines represents a moderately served rent-to-own market. 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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Compare 3 rent-to-own stores in Des Moines

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

Compare Stores

Compare Rent-to-Own Stores in Des Moines, IA

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

Store Google rating Location Phone
Rent-A-Center 4.2 133 reviews 3701 E 14th St (515) 265-5555 Visit Website
Rent-A-Center 3.9 83 reviews 5015 Se 14th Unit 102 (515) 953-7535 Visit Website
Arona 3.8 186 reviews 3225 SE 14th Street (515) 246-0001 Visit Website

What customers are saying

Recent reviews from rent-to-own stores in Des Moines.

I enjoy arona immensely Alexa and Betty are two very sweet people Alexis always waited on me taking very good care of me I really really like her a lot in fact I don't go to nobody else but her to buy something

Kathleen Kimble
Arona

Arona to say the least is simply the best around! My husband and I are truly speechless about the electric bed/mattress we bought. I have told everyone around about the bed. For many many years now we have both woke up every day in all sorts of pain... back, neck, you name it. Even to the point that we were helping one another up and we are only in our young 40s. Since day one we have woke up with ZERO pain. It's like a miracle to say the least. And the payments are very reasonable and the cheapest around. Trust me I did my research before buying. We can't thank you enough Arona! The Julins 😁

Tiffany Julin
Arona

I always get greeted and helped by a friendly face. They're willing to work with you to get you what you need. I've been a customer for years and I'm 100% satisfied.

Summer Hesse
Rent-A-Center

Very helpful staff. Got what I was looking for and waiting for delivery

Crystal Conroy
Rent-A-Center

Very helpful staff. Got what I was looking for and waiting for delivery

Crystal Conroy
Rent-A-Center

I always get greeted and helped by a friendly face. They're willing to work with you to get you what you need. I've been a customer for years and I'm 100% satisfied.

Summer Hesse
Rent-A-Center
Reviews from Google

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

Most stores in Des Moines 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 Des Moines

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 3 stores in Des Moines.

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. 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.

About rent-to-own in Des Moines

Find rent-to-own stores in Des Moines, IA. Compare pricing and options from local stores.

Shop by category in Des Moines

appliances computers electronics furniture gaming jewelry mattresses smartphones tires-wheels

Rent-to-own in nearby cities

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All rent-to-own stores in Iowa

Rent-to-own in Des Moines, answered

Des Moines, IA has 4 rent-to-own stores listed in the VRTO directory, operated by 2 companies: 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 Des Moines 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 Des Moines 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. 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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