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Rent to own stores in Iowa City, Iowa

2 rent-to-own stores serve Iowa City, IA, 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 Iowa City, IA

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

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Cedar Rapids Sioux City Clinton Council Bluffs Des Moines

Compare 2 rent-to-own stores in Iowa City

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

Compare Stores

Compare Rent-to-Own Stores in Iowa City, IA

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

Store Google rating Location Phone Links
Rent-A-Center 4.5 86 reviews 1214 S Gilbert St (319) 337-9900 Website: Rent-A-Center, 1214 S Gilbert St
Arona 3.9 124 reviews 1602-1/2 Sycamore Street (319) 339-0500 Website: Arona, 1602-1/2 Sycamore Street

What customers are saying

Recent reviews from rent-to-own stores in Iowa City.

My husband and I have been getting appliances and furniture from them for years now; the staff are knowledgeable and friendly. Nikki is great to work with and keeps the store running like a charm; love it.

Jennifer Gaunt
Arona

I have been a customer for over 15 years and I’ve gotten nothing but courtesy & respect from the whole staff, even the delivery drivers. I’m happy with their business

Jayne Hamilton
Arona

Arona has been absolutely wonderful. The customer service was a great. I went there to get a bed and couch. And then went back to get coffee table and end tables for my living room. I didn't even have to tell them my name as they remembered who I was by name. I have had a wonderful experience with them and will use them in the future. I highly recommend them.

Wendy Horak
Arona

My husband and I have been getting appliances and furniture from them for years now; the staff are knowledgeable and friendly. Nikki is great to work with and keeps the store running like a charm; love it.

Jennifer Gaunt
Arona

Love your team from your Iowa City store! Nikki is the sweetest and gives amazing customer service!

shari ramirez
Arona

It's nice when the manager greets you with a friendly smile and....remembers your name all while multitasking😊. I love the Iowa City store because they always have what your looking for and at great prices. Thank you Katie for a great experience today.

Fatimah Murarsheed
Rent-A-Center
Reviews from Google
Iowa City, IA

What renting to own in Iowa City looks like

2 rent-to-own stores serve Iowa City, IA, from 2 companies.

Stores here include Rent-A-Center (1214 S Gilbert St), Arona (1602-1/2 Sycamore Street).

Iowa regulates rent-to-own under Iowa 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 past-due amounts.), payment cap protections (Total cost of the rental-purchase agreement may not exceed 2.0 times the cash price of the property (200% cap).), 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 Iowa City 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 Iowa City

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 Iowa City.

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.

Iowa law

What Iowa law gives you before you sign

Iowa regulates rent-to-own under Iowa 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.

Iowa Rental-Purchase Agreement Act Iowa Code §§ 537.3601 to 537.3624
Disclosure requirements Must disclose total number and amount of payments, total cost, cash price, condition of the property, early purchase option, and any additio...
Payment cap protections Total cost of the rental-purchase agreement may not exceed 2.0 times the cash price of the property (200% cap).

Nearby cities

Cedar Rapids (4) Sioux City (5) Clinton (3) Council Bluffs (3) Des Moines (3) Ottumwa (3) Waterloo (3) Burlington (2)
All rent-to-own stores in Iowa

Categories in Iowa City

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

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

Renting to own in Iowa City, answered

There are 2 rent-to-own stores in Iowa City, IA, from 2 companies: Arona, Rent-A-Center. Confirm important listing details directly with the retailer.
Most rent-to-own stores in Iowa City 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 Iowa City 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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