3 stores across 9 categories
Ottumwa, 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. 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.
Companies
Last checked 1 month ago
Last checked 1 week ago
104 S Market St
Ottumwa, IA 52501
Last checked 4 weeks ago
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Compare 3 rent-to-own stores in Ottumwa
See ratings, products, and contact info side by side.
Side-by-side comparison to help you choose the right store for your needs.
| Store | Google rating | Location | Phone | |
|---|---|---|---|---|
| Rent-A-Center | 4.4 40 reviews | 1111 N Quincy Ave | (641) 682-5487 | Visit Website |
| Arona | 4.3 148 reviews | 933 N. Quincy Street | (641) 684-8818 | Visit Website |
| Rent-A-Center | 4.2 57 reviews | 104 S Market St | (641) 682-5003 | Visit Website |
Recent reviews from rent-to-own stores in Ottumwa.
Samantha here is amazing! The management team is way more inclined to HELP you. I had TERRIBLE experience with rent a center and within 2 hours Samantha and the manager Tony had me set up with a lovely couch AND bed for half the price rent a center quoted me, PLUS they had wonderful customer service. They will forever have my service.
Brook Robertson
Easy to work with, very friendly staff. Explained details of contract completely!
Ann Speck
Walked in looking for a refrigerator and walked out after signing papers and had it delivered the following day. Best people and managers the delivery guys was great. I told them to pull in my yard to unload so they wouldn't have far to go with it and they wouldn't they parked in the roadway and brought it up to my house. Great people all the way around.
Chyenne Opperman
The Staff are AMAZING!!!... They quickly found what I needed and communicated and followed up VERY well!...I will DEFINITELY keep coming back and recommend people as well!!!
Jeet Kune Do Physiology & More
I have been doing business there for more than 20 years the staff always makes it an enjoyable experience from the first day to the last
George Nichols
Got a great bed at a great price and even though they were understaffed the managed to deliver and set it up thanks so much!!!
D E
Most stores in Ottumwa 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.
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 Ottumwa.
Use the comparison table above to compare stores side by side, rated by customers, with products and contact info in one view.
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.
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.
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.
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.
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 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.
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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