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Rent to Own Stores in Minneapolis, Minnesota

1 store across 9 categories

Minneapolis, 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. With a population of 429,954 and a median household income of $68,578 (Source: US Census Bureau, American Community Survey), Minneapolis represents an underserved rent-to-own market. 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 Minneapolis.

I’ve been to several locations all over the city and Erica and Melissa was everything I was looking for and some. My time is valuable I work a lot and how they had me in and out and addressed all my issues as if it was their own. They deserve a raise I’m a very proud customer here at home choice now that I made my purchase with these 2 beautiful educated women. 10 out of 10!! Would recommend!! Thanks ladies!

Dria Lewis
Home Choice

Been good here for awhile now I got a lot of stuff at an affordable price just not all at once. Helped me build credit and get all the new stuff at the same time. Love the staff,theyre great people.

DaRon
Home Choice

I’ve been to several locations all over the city and Erica and Melissa was everything I was looking for and some. My time is valuable I work a lot and how they had me in and out and addressed all my issues as if it was their own. They deserve a raise I’m a very proud customer here at home choice now that I made my purchase with these 2 beautiful educated women. 10 out of 10!! Would recommend!! Thanks ladies!

Dria Lewis
Home Choice

Been good here for awhile now I got a lot of stuff at an affordable price just not all at once. Helped me build credit and get all the new stuff at the same time. Love the staff,theyre great people.

DaRon
Home Choice
Reviews from Google

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

Most stores in Minneapolis 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 Minneapolis

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 Minneapolis.

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.

About rent-to-own in Minneapolis

Find rent-to-own stores in Minneapolis, MN. Compare pricing and options from local stores.

Shop by category in Minneapolis

appliances computers electronics furniture gaming jewelry mattresses smartphones tires-wheels

Rent-to-own in nearby cities

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All rent-to-own stores in Minnesota

Rent-to-own in Minneapolis, answered

Minneapolis, 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 Minneapolis 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.

Minneapolis extreme winters with -30F wind chills and road salt make winter tire demand through RTO a seasonal necessity. Local RTO tire providers in Minneapolis offer flexible payment options that help drivers maintain safe tires year-round without large upfront costs.

Rent-to-own stores in Minneapolis 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.

Minneapolis has a median household income of $55,720 and a poverty rate of 19.1%. RTO provides an accessible path to household essentials without credit checks. The Twin Cities metro winter conditions make all-season and snow tires essential, creating strong seasonal RTO tire demand makes RTO a practical option for many local residents.

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.

The Minneapolis metro area (3.7 million residents) has Twin Cities metro winter conditions make all-season and snow tires essential, creating strong seasonal RTO tire demand. With continental climate with harsh winters averaging -3F in January and heavy snowfall, local RTO stores tailor their inventory to meet specific community needs across all product categories.

RTO total cost in Minneapolis typically ranges from 1.5x to 2.5x the retail cash price, paid over 12-24 months. Under Minn. Stat. 325F.84-325F.97 (Rental-Purchase Agreement Regulation), Minnesota dealers must disclose the total cost upfront. Early purchase options can significantly reduce the total amount paid.

Minneapolis experiences continental climate with harsh winters averaging -3F in January and heavy snowfall, which shapes local RTO demand. Living room furniture, appliances like washers and refrigerators, and electronics are consistently popular. The 30.6 inches of annual rainfall also drives demand for reliable transportation items including tires.

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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