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Rent to own stores in Bay City, Michigan

2 rent-to-own stores serve Bay City, MI, and 2 of them are open right now.

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 Bay City, MI

Every row carries the store's address, hours, phone number, and its Google rating, so you can call one today.

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Compare 2 rent-to-own stores in Bay City

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

Compare Stores

Compare Rent-to-Own Stores in Bay City, MI

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

Store Google rating Location Phone Links
Continental 4.9 146 reviews 4097 N Euclid Ave (989) 667-0017 Website: Continental, 4097 N Euclid Ave
Rent-A-Center 4.1 106 reviews 1001 N Euclid Ave (989) 684-3000 Website: Rent-A-Center, 1001 N Euclid Ave

What customers are saying

Recent reviews from rent-to-own stores in Bay City.

Has always been able to get what I need. Has always been helpful. Great store to deal with, way better then the main chain stores.

Cameron Hoyt
Continental

Cody was very helpful. We always have great service with them. He got us what we wanted and we got it delivered same day!

Helena Burton
Continental

Andrew and Cody delivered refrigerator to my home. Not only was the delivery of good in good shape. They have the utmost respect for us, kept us laughing the whole time. And the whole store I've been had nothing but good things to say about them all of them

Stacy Sweet
Continental

The staff and furniture selection are fantastic! The manager, Cletus, was easy to work with and took the time to answer all my questions. He listened to what I was looking for and offered thoughtful recommendations, including options I hadn’t even considered. His knowledge and helpful approach made the whole experience enjoyable. Highly recommend! Thanks! I will visit again.

Fred Schrank
Continental

Very nice customer service. The delivery drivers did an excellent job. I would recommend continental rental anytime

Brenda Wilson
Continental

Everyone, and I do mean every one in this place is super helpful, not pushy. Very nice. Treat you like they have known you for years, I got a bed set from here, good quality. Had an issue with the frame, they came out within 2 days.(happened on a Saturday just before closing) they were there monday to see what was wrong and if could be fixed then. They had to order a new piece. No extra cost to me. Came and put it all back together and even gave me a frame to use till the new piece came in.

Alexsis Roznowski
Rent-A-Center
Reviews from Google
Bay City, MI

What renting to own in Bay City looks like

2 rent-to-own stores serve Bay City, MI, from 2 companies.

Stores here include Continental (4097 N Euclid Ave), Rent-A-Center (1001 N Euclid Ave).

Michigan regulates rent-to-own under Michigan Rental-Purchase Agreement Act. The law gives you an early purchase option (Consumer may purchase the property at any time by paying 50% 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 Bay City 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 Michigan, stores are required to offer an early purchase option. Requirements vary by store. Call ahead to confirm.

Shopping for rent-to-own in Bay City

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 Bay City.

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. Michigan has consumer protection laws governing RTO transactions. Ask the store for a copy of your agreement before signing.

Michigan law

What Michigan law gives you before you sign

Michigan regulates rent-to-own under Michigan 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.

Michigan Rental-Purchase Agreement Act Mich. Comp. Laws §§ 445.951 to 445.972
Disclosure requirements Must disclose total number and amount of payments, total cost, cash price, description of property, payment schedule, and early purchase opt...
Early buyout rights Consumer may purchase the property at any time by paying 50% of the remaining periodic payments plus any past-due amounts.

Nearby cities

Saginaw (4) Caro (2) Midland (2) Grand Rapids (6) Cadillac (5) Detroit (4) Flint (4) Owosso (4)
All rent-to-own stores in Michigan

Categories in Bay City

Furniture(2) Appliances(2) Electronics(2) Computers(2) Mattresses(2) Smartphones(1) Gaming(2) Tires & Wheels(1) Jewelry(1)

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

Renting to own in Bay City, answered

There are 2 rent-to-own stores in Bay City, MI, from 2 companies: Continental, Rent-A-Center. Confirm important listing details directly with the retailer.
Most rent-to-own stores in Bay City 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 Bay City 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 2 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. Michigan 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. Michigan regulates rent-to-own agreements under state consumer protection law. Rent-to-own agreements in Michigan 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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