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Rent to own stores in Richmond, Kentucky

2 rent-to-own stores serve Richmond, 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 2 rent-to-own stores in Richmond, 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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Lexington Mt Sterling Morehead Winchester Flemingsburg

Compare 2 rent-to-own stores in Richmond

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

Compare Stores

Compare Rent-to-Own Stores in Richmond, KY

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

Store Google rating Location Phone Links
Rent-A-Center 4.3 228 reviews 674 Eastern Bypass (859) 623-5453 Website: Rent-A-Center, 674 Eastern Bypass
Aaron's 4.0 129 reviews 437 Professional Dr (859) 626-8550 Website: Aaron's, 437 Professional Dr

What customers are saying

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

Huge shout out to Richmond RAC!! We have acquired several pieces of our home from them, and have no regrets. Mike is a charming salesman (Aren't they all. lol), BUT he is also compassionate and helpful. Whether I'm buying something new, or making a payment, or need a repair, MIKE IS THE MAN!!! Teresa is also very kind and helpful, and way cuter!!!, but Mike will always be the man!!! I appreciate y'all so much.

Lucy Sell
Rent-A-Center

We've been using Renter Center for many years now. I highly recommend them. I appreciate all that that have done us. They go out of there to make sure that we are satisfied . The staff that they have working I've known them for years. They are very professional, and very polite. A big thank you to the crew in Richmond ky. Keep doing what you guys are doing.

Carl La Corte
Rent-A-Center

Love it here. They have everything I need ❤️

Naomi Crase
Rent-A-Center

Love this place and the people always willing to work with you and very friendly been with them for many years and have paid off quite a bit of stuff!

Dana Combs
Rent-A-Center

I want to take a moment to share a genuinely great experience I had with Rent-A-Center. In a world where customer service can sometimes feel rushed or transactional, this experience stood out in a real way. From the moment I walked in, I was treated like a priority—not just another customer, but someone whose time, needs, and situation actually mattered. The team took the time to walk me through my options, answer my questions, and make sure I felt comfortable with my decision. There was no pressure, just real support and professionalism. On top of that, I was able to get $50 off my purchase and found a washer for under $500, which made a huge difference for me. It’s not just about saving money—it’s about feeling respected and taken care of during the process. Moments like that go a long way, especially when you’re making important purchases for your home. It reminded me that good service still exists and that there are businesses out there that truly value their customers. I’m grateful for the experience, and I’d genuinely encourage anyone looking for appliances or flexible purchasing options to give them a try. You might walk in expecting a simple transaction, but you could walk out feeling appreciated—and that’s something that shouldn’t go unnoticed.

773JUAN
Rent-A-Center

Service was amazing all the way around the board. From the moment we walked in. Josh Miller was our sales manager, he did great explaining and helping break down bit by bit, thank you. Then we met with his manager to discuss delivery process. Very thorough, very nice and helpful. He knew our situation and got imus on the delivery next day. Delivery was the cherry on top of great customer service. We ran into a small problem with size issue of my new fridge and door and Tiny & Boots went above and beyond,, to make sure our new fridge was in. Thank you, all of you for making this experience friendly and comfortable. Merry Christmas 🎄 The Stewarts

A
A Google User
Aaron's
Reviews from Google
Richmond, KY

What renting to own in Richmond looks like

2 rent-to-own stores serve Richmond, KY, from 2 companies.

Stores here include Rent-A-Center (674 Eastern Bypass), Aaron's (437 Professional 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 Richmond 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 Richmond

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 2 stores in Richmond.

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

Categories in Richmond

Furniture(2) Appliances(2) Electronics(2) Computers(2) Mattresses(2) Smartphones(1) Gaming(2)

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

Renting to own in Richmond, answered

There are 2 rent-to-own stores in Richmond, KY, from 2 companies: Aaron's, Rent-A-Center. Confirm important listing details directly with the retailer.
Most rent-to-own stores in Richmond 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 Richmond 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. 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 (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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