2 stores across 7 categories
Benton Harbor, MI has 2 rent-to-own stores listed in the VRTO (Virtual Rent To Own) directory. Available companies include Rent-A-Center, ZSmart Furniture. Product categories available: appliances, computers, electronics, furniture, gaming, mattresses, smartphones. Rent-to-own transactions are legal and regulated in MI (Source: State Legislature). Early purchase rights: Consumer may purchase the property at any time by paying 50% 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. Compare locations, hours, and ratings below. Most stores don't require a traditional credit check, and you can return anytime.
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Compare 2 rent-to-own stores in Benton Harbor
See ratings, products, and contact info side by side.
Side-by-side comparison to help you choose the right store for your needs.
| Store | Google rating | Location | Phone | |
|---|---|---|---|---|
| ZSmart Furniture | 4.5 55 reviews | 1091 E Napier Ave | (269) 926-3000 | Visit Website |
| Rent-A-Center | 4.1 58 reviews | 2081 M-139 | (269) 925-5584 | Visit Website |
Recent reviews from rent-to-own stores in Benton Harbor.
Was very impressed by the Smart furniture , went in there to look for a chair, they have great variety. The sales person Dana was so helpful and knowledgeable. Bought a living room set 90 days same as cash
Shelly
I was greeted and helped by Jameson H. He took his time and helped me find the perfect furniture set for my new apartment. Thank you so much I love it! Highly satisfied with my overall experience
miracle bridgeman
I personally like the environment and the way they treat customers like family the service is great and deliveries are on time and they also make sure you get what you want as well. I recommend anyone to go there.
Robert Jones
Was very impressed by the Smart furniture , went in there to look for a chair, they have great variety. The sales person Dana was so helpful and knowledgeable. Bought a living room set 90 days same as cash
Shelly
I was greeted and helped by Jameson H. He took his time and helped me find the perfect furniture set for my new apartment. Thank you so much I love it! Highly satisfied with my overall experience
miracle bridgeman
A bank error caused me to miss my first payment. It was much appreciated to be treated with understanding. They were very helpful and let me know Soon as my stupid bank fixes their error I will could order again. Great service
Erick Richcreek
Most stores in Benton Harbor 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.
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 Benton Harbor.
Use the comparison table above to compare stores side by side, rated by customers, with products and contact info in one view.
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.
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.
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.
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.
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 has a specific rent-to-own statute (Michigan Rental-Purchase Agreement Act). Agreement structure, charges, returns, collections, and credit reporting can vary. Always read the agreement and confirm the terms with the store before you sign.
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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