1405 N 12Th St
Murray, KY 42071
Rent to Own Stores in Murray, KY
Murray, KY has 1 rent-to-own store listed in the VRTO (Virtual Rent To Own) directory, updated daily from verified retailer data. Available companies include Rent One. Rent-to-own transactions are legal and regulated in KY (Source: State Legislature). Early purchase rights: Consumer may purchase the property at any time by paying 60% of the remaining periodic payments plus any past-due amounts.. Most rent-to-own locations do not require a credit check — approval is typically based on income verification.
1
RTO Stores
1
Companies
4.8 ★
Avg Rating
648
Reviews
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What Customers Are Saying
Recent reviews from rent-to-own stores in Murray.
Hunter was very good and set it up fast he was outta here in 10nmins I love rent one so if anyone want some good stuff go see Reagan at rent one in Murray KY tell them that mark fry sent you
Mark Fry
I was in a car accident 2 weeks ago and got behind on my weekly payment. I was almost 3 weeks behind. The store manager Reagan waved my 2 late payments at no charge. These people at Rent one are fantastic and will work with you. The staff are friendly and the delivery guys were great. I'd recommend this company and give a 5 🌟 rating. I will definitely purchase again. Thanks Rent One for working with me and my payments. Jami Livingston Paris Tn
Jami Livingston
Great experience with amazing people. Reagan took really good care of our needs and went above and beyond to make sure we were 100% satisfied. Will absolutely recommend them to everybody!!!
Darreck Ramsdell
I definitely recommend Rent One in Murray! The staff were Extremely professional, kind, courteous, And they truly just wanted Me/anyone to get the right couch or the right furniture! I have serious injuries from the military, and Reagan New exactly what I wanted And needed definitely ask for her she is amazing. Kenneth and Brady Delivered the couch, and put it together, These gentlemen are very professional very respectful and very knowledgeable. They did an awesome job. Thank you guys so much!
Curtis Boyd
I definitely will be back! Super friendly and helpful! Reagan was absolutely amazing helping us find exactly what I need!
Karen Beshears
Reviews from Google
What to Bring When Visiting a Rent-to-Own Store
Most stores in Murray 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
No credit check required at most stores.
Rent-to-own is not a loan or credit purchase. You can return items at any time without penalty. 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 Murray
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 1 stores in Murray.
Compare Stores Side by Side
Check the store listing above for ratings, products offered, and contact details before making your visit.
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 not a loan or credit purchase — it is a terminable lease. You can return items at any time without penalty. Kentucky has consumer protection laws governing RTO transactions. Ask the store for a copy of your agreement before signing.
Data Accuracy Notice
Store details including hours, address, phone number, and product availability are sourced from publicly available retailer data and updated regularly. This information may not reflect recent changes — always contact the store directly to confirm current hours, inventory, and pricing before visiting. 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. Reviews and ratings shown are from Google and reflect the opinions of individual reviewers, not VRTO. See our full disclaimer and data collection methodology.
Frequently Asked Questions About Rent-to-Own in Murray
Murray, KY has 1 rent-to-own store listed in the VRTO directory, operated by 1 company: Rent One. Each store offers different products and payment options. Browse the listings above to compare hours, ratings, and contact info.
Most rent-to-own stores in Murray 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 Murray offer furniture, appliances, electronics, computers, smartphones, and mattresses. 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. Visit the store listing above for full product details.
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 is an independent directory service. We are not affiliated with, endorsed by, or connected to Aaron's, Rent-A-Center, or any other rent-to-own company. Store information is provided for reference purposes only. Some directory descriptions and guides are drafted with AI assistance and reviewed for accuracy by our editorial team.