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Rent to Own Stores in Hilltop, Minnesota

1 store across 9 categories

Hilltop, MN has 1 rent-to-own store listed in the VRTO (Virtual Rent To Own) directory. Available companies include Home Choice. Product categories available: appliances, computers, electronics, furniture, gaming, jewelry, mattresses, smartphones. Rent-to-own is subject to specific regulations in MN (Source: State Legislature). 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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What customers are saying

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

As a valued customer since 2006, I have had a positive experience with this location despite high interest rates and occasional late payments. While I have had to deal with aggressive collections calls from Tiffany, blocking her number has helped alleviate the issue( lol) Overall, I give this location a rating of 5 stars.

Rikka Travel
Home Choice

Greatest experience Taylor help me with all the process , and I will definitely recommend this home choice they treat you like a family. I’m very happy doing business with home choice . Thanks 😊

Liliana Arias
Home Choice

So know I’ve been a customer over at 15yrs always been Satisfied always gotten the Best Service dealing with the employees I’ve furnished my homes a few times with the assistance of Home Choice I truly like to Thank the manager Ralph Asst.Manager Tror Delivery Guy was Amazing Logan Williams Family Thank You

Beulah Walker Cooley
Home Choice

Manager and staff were very helpful and friendly! Will definitely be coming back.

Alexis Saucedo
Home Choice

Shout out to Logan and Taylor for getting this massive couch into our tiny apartment!! Their hard work has not gone unnoticed. Professional from beginning to end. 5 Stars!

Aaron Gutierrez
Home Choice
Reviews from Google

What to bring when visiting a rent-to-own store

Most stores in Hilltop 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. Requirements vary by store. Call ahead to confirm.

Shopping for rent-to-own in Hilltop

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 1 stores in Hilltop.

Compare stores side by side

Check the store listing above for ratings, products offered, and contact details before making your visit.

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

Renting to own in Minnesota: what the law gives you

Minnesota regulates rent-to-own under general consumer protection laws. Agreement structure, charges, returns, collections, and credit reporting can vary. Always read the agreement and confirm the terms with the store before you sign.

Shop by category in Hilltop

appliances computers electronics furniture gaming jewelry mattresses smartphones tires-wheels

Rent-to-own in nearby cities

Bloomington Burnsville Crystal Maplewood Roseville West St Paul Blaine BROOKLYN PARK
All rent-to-own stores in Minnesota

Rent-to-own in Hilltop, answered

Hilltop, MN has 1 rent-to-own store listed in the VRTO directory, operated by 1 company: Home Choice. Each store offers different products and payment options. Browse the listings above to compare hours, ratings, and contact info.

Most rent-to-own stores in Hilltop 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 Hilltop 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. Minnesota 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. Minnesota regulates rent-to-own agreements under state consumer protection law. Rent-to-own agreements in Minnesota 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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