3 stores across 9 categories
Waterloo, IA has 3 rent-to-own stores listed in the VRTO (Virtual Rent To Own) directory. Available companies include Arona, Furniture and More, 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.
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Compare 3 rent-to-own stores in Waterloo
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 79 reviews | 908 La Porte Rd | (319) 233-5950 | Visit Website |
| Furniture and More | 4.3 52 reviews | 2325 Logan Ave | (319) 236-1327 | Visit Website |
| Arona | 3.7 175 reviews | 2060 Sovia Dr. Suite 111 | (319) 232-0790 | Visit Website |
Recent reviews from rent-to-own stores in Waterloo.
They are so nice and friendly love their staff they are awesome would recommend them highly. They were here when they said they would be. The delivery guys were awesome they had to remove the door and take everything off my deck to get the furniture in and when they left everything was put back exactly the way it was. Awesome guys. Would recommend them one hundred percent.
mnm hagen
Great store, plenty of selection to choose from. Even if what you want is not on the show floor the owners themselves helped to find a product on their website! They have great deals and are more than helpful with every small thing I was looking for. Between my indecisiveness and lack of knowledge when it comes to furniture I would recommend everyone come to this store for their needs. My dogs now have their very own bed! Thank you for all your help!
Cassi Sloan
Great customer service! Owners are very involved and so helpful. Best selection of furniture in the area and if what you want isn't there...they will get it for you! I won't go anywhere else!
Angela Prunty
Got a great deal, and absolutely love my new sofa! Had a great experience with everything from the sales team in the store, to the very fast delivery and setup. The guys delivering were careful and respectful. Thank you, I will definitely be back!
Angela McCann
Had a fantastic experience here! Prices were great and everyone was so kind and helpful!! 10/10 would recommend!
Ty Higbee
Absolutely love my new sectional and recliner! The delivery guys were fast, and so kind! They even helped move my old furniture to the garage. Sebina is amazing and and absolute doll!!! Makes the ordering process very easy!!
Kimberly Hope
Most stores in Waterloo 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 Waterloo.
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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