2 stores across 8 categories
Spencer, IA has 2 rent-to-own stores listed in the VRTO (Virtual Rent To Own) directory. Available companies include Rent All - Appliance & Furniture, Rent-A-Center. Product categories available: appliances, computers, electronics, furniture, gaming, mattresses, smartphones, tires-wheels. 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 2 rent-to-own stores in Spencer
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 All - Appliance & Furniture | 5.0 65 reviews | 212 11th St SW | (712) 580-5252 | Visit Website |
| Rent-A-Center | 4.2 50 reviews | 700 11Th St Sw | (712) 584-3169 | Visit Website |
Recent reviews from rent-to-own stores in Spencer.
Katelyn was awesome. Appreciate you having exactly what I wanted. My nephew and I are glad we randomly stopped in. Again thank you Katelyn. Your delivery men were awesome, got in and got her done. Thank you guys very much
marcos mendivil
The gentleman who assisted us was very kind and courteous, he explained the whole process thoroughly, before any paperwork was even brought out. He made sure everything we needed was with the computer we picked out, and offered to order a part that was missing. Definitely would return again!
Danielle Gies
Kaitlyn was amazing very positive and knowledgeable and super friendly
robert duchene
Very nice and very helpful and was there when I needed something and always tried their best to do what they can do. Will be letting people know about their great service and great deals.
Skull Lord
Got a great recliner at a great price. The recliner broke after it was paid off and they still serviced it for me. They ordered the part and sent the repair man all the way to my house in Rolfe. Highly recommend this place for their quality products as well as their A+ customer service!
Therese Harke
I went in the store in Spencer Iowa looking for a gaming tower and instead of just the tower the lady hooked me up with an awesome set up for an amazing price and she made it an easy process to get in and out the door. I will definitely be returning in the future!!
Bre Lomelino
Most stores in Spencer 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 2 stores in Spencer.
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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