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Rent to own stores in Louisville, Kentucky

11 rent-to-own stores serve Louisville, KY, and 9 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.

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Stores

The 11 rent-to-own stores in Louisville, KY

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

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Radcliff Shelbyville Bardstown Brandenburg Shepherdsville

Compare 11 rent-to-own stores in Louisville

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

Compare Stores

Compare Rent-to-Own Stores in Louisville, KY

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

Store Google rating Location Phone Links
Champion Sales and Lease 4.8 573 reviews 3100 Taylor Blvd (502) 625-5155 Website: Champion Sales and Lease, 3100 Taylor Blvd
Buddy's Home Furnishings 4.8 229 reviews 3942 7th Street Rd (502) 449-6096 Website: Buddy's Home Furnishings, 3942 7th Street Rd
Buddy's Home Furnishings 4.4 274 reviews 11330 Preston Hwy #1 (502) 968-2982 Website: Buddy's Home Furnishings, 11330 Preston Hwy #1
Rent-A-Center 4.4 119 reviews 3919 7th Street Rd (502) 448-1102 Website: Rent-A-Center, 3919 7th Street Rd
Bestway Rent To Own 4.3 128 reviews 4002 Dixie Hwy (502) 449-5865 Website: Bestway Rent To Own, 4002 Dixie Hwy
Bestway Rent To Own 4.2 175 reviews 2247 Hikes Lane (502) 690-8823 Website: Bestway Rent To Own, 2247 Hikes Lane
Rent-A-Center 3.8 94 reviews 4921 Dixie Hwy (502) 448-2700 Website: Rent-A-Center, 4921 Dixie Hwy
Rent-A-Center 3.7 107 reviews 3099-L Breckenridge Ln (502) 454-0897 Website: Rent-A-Center, 3099-L Breckenridge Ln
Aaron's 3.7 78 reviews 8022 Preston Hwy (502) 968-9930 Website: Aaron's, 8022 Preston Hwy
Aaron's 3.5 127 reviews Dixie Hwy (502) 937-5177 Website: Aaron's, Dixie Hwy
Aaron's 3.1 122 reviews 3620 S Hurstbourne Pkwy (502) 968-9590 Website: Aaron's, 3620 S Hurstbourne Pkwy

What customers are saying

Recent reviews from rent-to-own stores in Louisville.

Hey Friends and Family! I have rented a lot from Champion and Sales because they are a great company to rent from and Johnny keeps me coming back with his great personality and respect for customers. It’s always good to see Martin and the guys coming back doing the setup. They’re always professional and careful not to damage any of my other belongings and cleanup behind themselves. Thanks, for always doing a great and professional job!

Lisa Clarkson
Champion Sales and Lease

I hate moving! But I do like buying new stuff when you have to move. I need a washer and dryer ended up leaving there with a washer, dryer couch and a table. It was totally no hassle. They were absolutely amazing and the only thing that went right the day that I tried to move was champion they were on time they were courteous. It was just like having your Family take care of you and feeling love. I totally recommend this place 100%. I will definitely be a repeat customer. sorry about the mess in the picture got a lot of laundry to do lol

Jacqueline Wright
Champion Sales and Lease

First off let me say the whole team is top tier ! Affordable, reliable, and very understanding… as long as you keep communication they are willing to work with you , stay consistent on your part and they will on theirs! If they dont have it they will get it they are definitely a first choice for me i have a washer , dryer, couch and two air conditioners from them, great and affordable brands on top of that! Go check my guys out you will not regret your decision.( And they also sell furniture at a very low and reasonable price)

Diamond A
Champion Sales and Lease

I came into the champions sales and leaves talk to a guy named Steve Met a guy named Johnny. They were both great. Steve sold me a couch for $200 and it was a great sale and they are a great people. I highly recommend.

Ona Collier
Champion Sales and Lease

Thank you To Chris and his delivery guy for fast friendly service. We appreciate all that you have done. I would most definitely recommend them.

Jasmine
Champion Sales and Lease

Staff was very polite and helped us through the whole process, and answered any questions we had respectfully and clearly. 10/10

Eli Daugherty
Buddy's Home Furnishings
Reviews from Google
Louisville, KY

What renting to own in Louisville looks like

11 rent-to-own stores serve Louisville, KY, from 5 companies.

Stores here include Champion Sales and Lease (3100 Taylor Blvd), Buddy's Home Furnishings (3942 7th Street Rd), Buddy's Home Furnishings (11330 Preston Hwy #1), Rent-A-Center (3919 7th Street Rd), Bestway Rent To Own (4002 Dixie Hwy).

Kentucky regulates rent-to-own under Kentucky Rental-Purchase Agreement Act. The law gives you an early purchase option (Consumer may purchase the property at any time by paying 60% of the remaining periodic payments plus any past-due amounts.), 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 Louisville 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 Kentucky, stores are required to offer an early purchase option. Requirements vary by store. Call ahead to confirm.

Shopping for rent-to-own in Louisville

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 11 stores in Louisville.

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. Kentucky has consumer protection laws governing RTO transactions. Ask the store for a copy of your agreement before signing.

Kentucky law

What Kentucky law gives you before you sign

Kentucky regulates rent-to-own under Kentucky 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.

Kentucky Rental-Purchase Agreement Act Ky. Rev. Stat. §§ 367.976 to 367.985
Disclosure requirements Must disclose total number and amount of payments, total cost of the agreement, cash price, payment schedule, and the right to purchase earl...
Early buyout rights Consumer may purchase the property at any time by paying 60% of the remaining periodic payments plus any past-due amounts.

About rent-to-own in Louisville

Louisville's 11 rent-to-own stores serve Kentucky's largest metro area. The city's diverse neighborhoods from the Highlands to the South End each have nearby RTO options. Kentucky's RTO statute provides reinstatement rights, allowing Louisville shoppers to resume an agreement within a set period after returning merchandise.

Nearby cities

Radcliff (3) Shelbyville (3) Bardstown (1) Brandenburg (1) Shepherdsville (1) Bowling Green (5) Lexington (5) Ashland (4)
All rent-to-own stores in Kentucky

Categories in Louisville

Furniture(11) Appliances(11) Electronics(11) Computers(11) Mattresses(11) Smartphones(8) Gaming(9) Tires & Wheels(1)

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

Renting to own in Louisville, answered

There are 11 rent-to-own stores in Louisville, KY, from 5 companies: Aaron's, Bestway Rent To Own, Buddy's Home Furnishings, Champion Sales and Lease, Rent-A-Center. Confirm important listing details directly with the retailer.
Most rent-to-own stores in Louisville 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.
Louisville Ohio River valley humidity and temperature swings create challenging road conditions affecting tire longevity. Local RTO tire providers in Louisville offer flexible payment options that help drivers maintain safe tires year-round without large upfront costs.
Rent-to-own stores in Louisville 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 5 local stores carries.
Louisville has a median household income of $52,237 and a poverty rate of 16.3%. RTO provides an accessible path to household essentials without credit checks. The centrally located between Midwest and South, Louisville blends demand patterns from both regions makes RTO a practical option for many local residents.
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. Kentucky 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. Kentucky regulates rent-to-own agreements under state consumer protection law. Rent-to-own agreements in Kentucky 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.
The Louisville metro area (1.4 million residents) has centrally located between Midwest and South, Louisville blends demand patterns from both regions. With humid subtropical with occasional severe thunderstorms and ice events, local RTO stores tailor their inventory to meet specific community needs across all product categories.
RTO total cost in Louisville typically ranges from 1.5x to 2.5x the retail cash price, paid over 12-24 months. Under KRS 367.976-367.985 (Rental-Purchase Agreement Act), Kentucky dealers must disclose the total cost upfront. Early purchase options can significantly reduce the total amount paid.
Louisville experiences humid subtropical with occasional severe thunderstorms and ice events, which shapes local RTO demand. Living room furniture, appliances like washers and refrigerators, and electronics are consistently popular. The 45.0 inches of annual rainfall also drives demand for reliable transportation items including tires.

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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