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Rent to own stores in Mt Sterling, Kentucky

4 rent-to-own stores serve Mt Sterling, KY.

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 4 rent-to-own stores in Mt Sterling, 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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4 stores shown · sorted by relevance

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Compare 4 rent-to-own stores in Mt Sterling

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

Compare Stores

Compare Rent-to-Own Stores in Mt Sterling, KY

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

Store Google rating Location Phone Links
Rent 2 Own 5.0 21 reviews 654 Maysville Rd (606) 783-0500 Website: Rent 2 Own, 654 Maysville Rd
Rent-A-Center 4.4 63 reviews 856 Indian Mound Dr (859) 498-6801 Website: Rent-A-Center, 856 Indian Mound Dr
Aaron's 4.0 81 reviews 1112 Camargo Rd (859) 497-4100 Website: Aaron's, 1112 Camargo Rd
A+ Rentals 3.8 25 reviews 1330 Indian Mound Dr (859) 499-0069 Website: A+ Rentals, 1330 Indian Mound Dr

What customers are saying

Recent reviews from rent-to-own stores in Mt Sterling.

Thank you Bre for being extremely helpful and kind !! Thank you John and Chad for bringing my new stuff in and arranging my furniture for me , wow I give yall a 10 outta 10 !!!.

Leslie Smith
Rent 2 Own

Chad & John were wonderful when delivering my couch, love seat, washer & dryer! Couldn’t have asked for a better experience!

Mason
Rent 2 Own

John and Chad were great and friendly, service was great, we had our couch with in the hour, great place to do business

Shawn
Rent 2 Own

Mike and Billy did an amazing job setting up and delivering my furniture I appreciate them so much!

Sierra Fugate
Rent 2 Own

John and Chad were great and friendly, service was great, we had our couch with in the hour, great place to do business

Shawn
Rent 2 Own

Dave was very helpful today I called my name is Heather to see about a gaming computer and living room suite and he went above and beyond to answer all my questions very helpful and nice !!

Caiden McMillan
Rent-A-Center
Reviews from Google
Mt Sterling, KY

What renting to own in Mt Sterling looks like

4 rent-to-own stores serve Mt Sterling, KY, from 4 companies.

Stores here include Rent 2 Own (654 Maysville Rd), Rent-A-Center (856 Indian Mound Dr), Aaron's (1112 Camargo Rd), A+ Rentals (1330 Indian Mound Dr).

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 Mt Sterling 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 Mt Sterling

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 4 stores in Mt Sterling.

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.

Nearby cities

Lexington (5) Morehead (2) Richmond (2) Winchester (2) Flemingsburg (1) Louisville (11) Bowling Green (5) Ashland (4)
All rent-to-own stores in Kentucky

Categories in Mt Sterling

Furniture(4) Appliances(4) Electronics(4) Computers(4) Mattresses(4) Smartphones(3) Gaming(4) Tires & Wheels(1)

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

Renting to own in Mt Sterling, answered

There are 4 rent-to-own stores in Mt Sterling, KY, from 4 companies: A+ Rentals, Aaron's, Rent 2 Own, Rent-A-Center. Confirm important listing details directly with the retailer.
Most rent-to-own stores in Mt Sterling 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 Mt Sterling 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 4 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. 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.

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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