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Rent to own stores in Waterloo, Iowa

3 rent-to-own stores serve Waterloo, IA.

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 3 rent-to-own stores in Waterloo, 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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3 stores shown · sorted by relevance

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Compare 3 rent-to-own stores in Waterloo

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

Compare Stores

Compare Rent-to-Own Stores in Waterloo, IA

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

Store Google rating Location Phone Links
Rent-A-Center 4.4 81 reviews 908 La Porte Rd (319) 233-5950 Website: Rent-A-Center, 908 La Porte Rd
Furniture and More 4.3 53 reviews 2325 Logan Ave (319) 236-1327 Website: Furniture and More, 2325 Logan Ave
Arona 3.7 188 reviews 2060 Sovia Dr. Suite 111 (319) 232-0790 Website: Arona, 2060 Sovia Dr. Suite 111

What customers are saying

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
Furniture and More

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
Furniture and More

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
Furniture and More

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
Arona

Had a fantastic experience here! Prices were great and everyone was so kind and helpful!! 10/10 would recommend!

Ty Higbee
Arona

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
Arona
Reviews from Google
Waterloo, IA

What renting to own in Waterloo looks like

3 rent-to-own stores serve Waterloo, IA, from 3 companies.

Stores here include Rent-A-Center (908 La Porte Rd), Furniture and More (2325 Logan Ave), Arona (2060 Sovia Dr. Suite 111).

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 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.

Shopping for rent-to-own in Waterloo

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.

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

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

Categories in Waterloo

Furniture(3) Appliances(3) Electronics(3) Computers(2) Mattresses(2) Smartphones(2) Gaming(2) Tires & Wheels(1) Jewelry(1)

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

Renting to own in Waterloo, answered

There are 3 rent-to-own stores in Waterloo, IA, from 3 companies: Arona, Furniture and More, Rent-A-Center. Confirm important listing details directly with the retailer.
Most rent-to-own stores in Waterloo 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 Waterloo 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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