VRTO

Rent to Own Mattresses

Sleep on a new queen mattress tonight. No credit check, free delivery, free setup. Pay weekly.

Rent-to-own mattresses let you sleep on the bed you need without a large upfront payment. A quality mattress directly impacts your health, productivity, and daily performance — it is an essential household need, not a luxury. Rent-to-own agreements for mattresses are terminable leases with no credit check required. Approval is based on income verification and a valid ID. You can return the mattress at any time without penalty or exercise the early purchase option to own it at a reduced total cost.

$10–$25 Per week
12–18 months Typical Term
3,881 Stores
50 States

Find Mattresses Stores Near You

Enter your city or ZIP code to find rent-to-own stores with mattresses near you.

Companies Offering Rent-to-Own Mattresses

Aaron's, Rent-A-Center, Buddy's Home Furnishings, and independent stores carry mattresses in all standard sizes. Browse by state below to find specific store locations, hours, and contact information in your area. View all companies →

Browse Mattresses Categories

Explore specific types of mattresses available through rent-to-own stores.

Twin Mattresses
Full Mattresses
Queen Mattresses
King Mattresses
Adjustable Bases
Bedding & Pillows

What to Know Before Renting Mattresses

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 — side sleepers generally prefer memory foam, while back sleepers often prefer innerspring or hybrid.

EPO Makes Mattresses a Strong RTO Value

Mattresses hold their value longer than electronics. A 90-day same-as-cash buyout gets you the mattress at retail price with free delivery and setup included. This makes mattresses one of the best early purchase values in rent-to-own. 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 — always confirm exactly what is included before signing your lease agreement.

What to Bring to a Mattresses Store

Bring a valid photo ID, proof of income, and proof of residence. Know your bed size (twin, full, queen, king) and any sleeping preferences (firm, medium, soft). Ask about old mattress removal.

Estimate your total cost → Read our RTO guides →

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 below to find stores near you.

Rent to Own Mattresses by State

Find rent-to-own mattresses stores in your state. All 50 states covered.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia 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

Rent-to-Own Mattresses FAQ

Rent-to-own mattresses cost $10–$25 per week depending on size and type. A queen mattress averages about $15–$20 per week. King mattresses and hybrid models cost more. Use our calculator at vrto.com/calculator to estimate your total cost with the early purchase option.

Yes. Many rent-to-own stores carry mattresses in all standard sizes — twin, full, queen, and king. Agreements typically run 12–18 months with weekly or monthly payments. You can return the mattress at any time or exercise the early purchase option to own it sooner at a reduced total cost. Rent-to-own is a terminable lease, not credit.

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.

No. Most rent-to-own stores do not require a traditional credit check for mattresses. Approval is based on income verification and a valid photo ID. Rent-to-own is a terminable lease, not a loan — the CFPB confirmed this in 2024.

How Rent-to-Own Mattresses Works

When you rent to own mattresses, you make regular payments — weekly, biweekly, or monthly — and take the item home the same day. There's no credit check, no down payment at most stores, and delivery and setup are typically included.

RTO is a lease, not a loan. You're not taking on debt, and if your situation changes, you can return the item at any time with no penalty and no remaining balance. Most stores also include free service and repairs for the life of the agreement.

Most agreements include an early purchase option — pay off the item within 90 days and you can save significantly on the total cost. If you return an item and want it back later, most states guarantee reinstatement rights so you keep your payment equity.

Use VRTO (Virtual Rent To Own) to find rent-to-own mattresses stores near you. Compare stores by location, hours, and ratings. Calculate your total cost before you walk in.

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.