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Rent to own stores in Sturgis, Michigan

2 rent-to-own stores serve Sturgis, 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.

Looking for sheds and portable buildings? 5 companies in the Sturgis area serve Sturgis

Stores

The 2 rent-to-own stores in Sturgis, 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 Sturgis

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

Compare Stores

Compare Rent-to-Own Stores in Sturgis, MI

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

Store Google rating Location Phone Links
ZSmart Furniture 4.7 135 reviews 955 S Centerville Rd (269) 659-8900 Website: ZSmart Furniture, 955 S Centerville Rd
Rent-A-Center 4.1 47 reviews 1388 S Centerville Rd (269) 651-2325 Website: Rent-A-Center, 1388 S Centerville Rd

What customers are saying

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

Larry was super helpful and explained everything step by step. The store is clean with multiple options from furniture and appliances to purses. All the employees were very helpful and welcoming. Definitely plan on doing business with them again!

Nicole Sizemore
ZSmart Furniture

Friendly place good people if you have any questions they will answer them efficiently and knowledgeably and if you need something they don't have it and they can get it they will have it within a day or less if they can

Walter Christopher
ZSmart Furniture

Staff has always been friendly, helpful and greet customers with smiles. I have never had an issue and have always had a great experience.

Carrie Hughes
ZSmart Furniture

Beautiful Store,People &,merchandise! ALL ZSmart Rental-Purchase locations are ✨10✨Stars

Lauren Wogatzke
ZSmart Furniture

I know rent to own places kind of get a reputation, however not at Zsmart in Sturgis. They have some of the best customer service I have ever experienced. Larry and Suzie are awesome super helpful and understand that sometimes life is rough. Thank you guys again for being such awesome and understanding people.

Jonathan Lape
ZSmart Furniture

I will say as for a rent to own place this is on of the ones that has a Quality of products. they are the most understanding rent to own place in my town if you can't pay a month they will try to work with you if the thing you thing you are renting from them and it is not a fit then they will try to find the best fit. TRUST ME I KNOW!

Jimmy Rosenberry
Rent-A-Center
Reviews from Google
Sturgis, MI

What renting to own in Sturgis looks like

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

Stores here include ZSmart Furniture (955 S Centerville Rd), Rent-A-Center (1388 S Centerville Rd).

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 Sturgis 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 Sturgis

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 Sturgis.

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

Coldwater (1) Grand Rapids (6) Cadillac (5) Detroit (4) Flint (4) Owosso (4) Saginaw (4) Battle Creek (3)
All rent-to-own stores in Michigan

Categories in Sturgis

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

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

Renting to own in Sturgis, answered

There are 2 rent-to-own stores in Sturgis, MI, from 2 companies: Rent-A-Center, ZSmart Furniture. Confirm important listing details directly with the retailer.
Most rent-to-own stores in Sturgis 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 Sturgis 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. 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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