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Rent-to-own mattresses

Rent-to-own mattresses, near you.

Sleep on a new queen mattress tonight. Free delivery, free setup, and most stores skip the traditional credit check. Pay weekly.

Rent-to-own mattress programs may provide a mattress through renewable payments and an option to own. Many retailers use alternative screening instead of a traditional credit check. Approval criteria, hygiene policies, delivery, return conditions, fees, overdue amounts, reporting practices, and early purchase terms vary.

Twin Full Queen King
Free·No sign-up·National directory
Mattresses of the kind rent-to-own stores carry
Stores How it works Costs Before you go By state Guides FAQ

Mattresses rent-to-own stores near you

Search above for rent-to-own stores that carry mattresses near you, or browse stores by state below.

Weekly or monthly
Payments (set by the store)
12-18 months
Typical term
4,355
Stores
50
States + DC

Agreements may use weekly, biweekly, or monthly renewals. Screening, upfront payments, delivery, service, return conditions, fees, overdue amounts, balances, reporting practices, and early purchase terms vary by retailer and agreement. Confirm each term in writing before signing.

Some of the 4,355 stores that carry mattresses

A sample of listed locations. Search above or browse by state below to see every store near you, with its hours, phone number, and the date it was last confirmed.

Companies offering rent-to-own mattresses

A selection of companies in the VRTO directory whose stores carry mattresses. Browse by state below for specific locations, hours, and contact information.

Rent-A-Center (1,906) Aaron's (1,174) Buddy's Home Furnishings (218) Rent One (100) Bestway Rent To Own (85) American Rental (53) Arona (46) Premier (44)

View all companies →

Listings and rankings on VRTO are never paid for. Stores are ordered by distance from the location you enter. How rankings work

Browse types of mattresses

Jump straight to the mattresses type you need.

Twin Mattresses Full Mattresses Queen Mattresses King Mattresses Adjustable Bases Bedding & Pillows
How it works

How rent-to-own mattresses works

Agreements may use weekly, biweekly, or monthly renewals. Screening, upfront payments, delivery, service, return conditions, fees, overdue amounts, balances, reporting practices, and early purchase terms vary by retailer and agreement. Confirm each term in writing before signing.

1 Take it home today Pick your mattresses and sign a short lease. There is no big upfront cost, and most stores skip the traditional credit check.
2 Pay weekly or monthly Make small payments on a schedule you agree to. Pay it off early and you save (see what it costs, below).
3 Own it, or review the return option Complete the agreement to own the mattresses. Many agreements allow returns that end future renewals, but conditions, fees, overdue amounts, and reporting practices vary.

What's specific to mattresses

The lease works the same as any category. Mattresses just adds a few things worth checking before you choose.

Test Before You Commit Visit the store and spend at least 10-15 minutes lying on the mattress in your usual sleep position. A mattress that feels good for 30 seconds may not provide the support you need through the night. Most stores have display models you can test.
Know Your Mattress Types Innerspring mattresses are firm and affordable. Memory foam contours to your body and relieves pressure points. Hybrids combine both technologies. Each type suits different sleeping styles, so side sleepers generally prefer memory foam, while back sleepers often prefer innerspring or hybrid.
Ask About the Early Purchase Option A 90-day same-as-cash buyout means paying the cash price plus tax and applicable fees, with free delivery and setup included. Ask the store for its deadline. Use our calculator to compare.
Delivery, Setup, and Old Mattress Removal Most rent-to-own mattress agreements include free delivery, setup, and removal of your old mattress. Some agreements also include a bed frame or adjustable base, so always confirm exactly what is included before signing your lease agreement.
What it costs

What rent-to-own mattresses really costs.

The figures shown are illustrative ranges, not live quotes. Actual payments, agreement length, total of payments, fees, and return terms vary by retailer and item.

Many agreements offer an early purchase option that may reduce the total. Ask for its deadline, purchase price, and fees in writing before signing.

Estimate your total with the calculator
What it typically costs
Mattresses
Typical example
Payment cadence Weekly or monthly
Typical term 12-18 months
Total cost Payment x payments, set by the store
Delivery & service Usually free
Early purchase option (within ~90 days) Terms vary

Figures are typical examples, not quotes or guarantees. The store sets the actual price. Ask for the cash price, weekly payment, number of payments, and total before you sign.

Before you go

Before you rent mattresses

A little prep makes the visit quick. Bring the right paperwork, and have these questions ready. A good store will answer every one.

What to bring

A valid photo ID
Proof of income (a recent pay stub or bank statement)
Proof of residence (a utility bill or lease)

What to ask before you sign

The cash price, the weekly payment, the number of payments, and the total.
When is the early-purchase deadline, and how much does it save?
Is delivery, setup, and service included for the full term?
What happens if I need to return it early?
By state

Rent-to-own mattresses by state

Rent-to-own laws, pricing, and store availability vary by state. Pick yours to see local mattresses stores and the rules where you live.

All 50 states and DC
Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Every state links to local mattresses stores and state-specific rent-to-own information. Each store record shows the date it was confirmed.

Guides

Mattresses guides

Plain-language guides to help you choose well and know what a lease will total.

All guides
Guide

What Is Rent-to-Own? The Complete Guide for 2026

Read guide Guide

The Early Purchase Option (EPO): How to Save Money on Rent-to-Own

Read guide Guide

How Rent-to-Own Works With No Credit Check

Read guide Guide

The Real Cost of Rent-to-Own: A Category-by-Category Breakdown

Read guide

Rent-to-own mattresses, answered

The payment depends on the size and type and the store, and each store sets its own payment and number of payments. Browse the stores above for one near you, and ask it for the payment, the number of payments and the total. Use our calculator at vrto.com/calculator once you have a store's numbers, including the early purchase option.
Many rent-to-own stores carry standard mattress sizes through renewable agreements with an option to own. Payment schedules, return conditions, hygiene policies, fees, and early purchase terms vary.
Policies vary by store. Many stores only rent new mattresses for hygiene reasons. Stores that offer pre-leased mattresses are required to professionally sanitize and inspect them. Always ask the store about their mattress sourcing policy and inspection process before signing.
Some agreements include a bed frame or adjustable base, while others cover only the mattress. Bundling a mattress with a frame often costs less per week than leasing them separately. Always confirm exactly what is included in your lease agreement before signing.
Many retailers use alternative screening instead of a traditional credit check. Approval criteria vary, so confirm the retailer’s requirements before applying.

Popular rent-to-own mattresses

Twin mattresses, full mattresses, queen mattresses, king mattresses, adjustable bases, bed frames, and mattress sets with frames.

Product availability varies by store and location. Search above or browse by state to find stores near you.

Related categories

Furniture Sofas, beds, dining Appliances Washers, fridges Electronics TVs, sound
Confirmed by the store

Who confirms these mattresses store records

Each store sets its own terms and is responsible for its own numbers, so the same item can carry different terms from one store to the next. VRTO shows each store's name, address, hours, and rating, with the date it confirmed its details.

Listings and rankings on VRTO are never paid for.

How rankings work
Companies whose stores carry mattresses
Rent-A-Center 4.0 1,906 listed locations carrying mattresses Confirmed Nov 1, 2026 Aaron's 3.9 1,174 listed locations carrying mattresses Confirmed Nov 1, 2026 Buddy's Home Furnishings 4.6 218 listed locations carrying mattresses Confirmed Nov 1, 2026 Rent One 4.7 100 listed locations carrying mattresses Confirmed Nov 1, 2026

Find your mattresses, near you.

Enter your ZIP code to find rent-to-own stores near you that may carry mattresses, then confirm availability and terms directly with the retailer.

Free to use·No account needed·All 50 states and DC

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