Skip to main content
New: 1,005 rent-to-own tire locations
VRTO

Home Choice

Open right now closes 7 PM. Call ahead and they will tell you what is on the floor today.

2950 W Division St, St Cloud, MN 56301 (320) 251-0200
Open · Closes 7 PM 3.3 out of 5 stars, 107 Google reviews 3.3 (107 Google reviews) How rankings work Confirmed Nov 1, 2026
On the floor here
Furniture Appliances Electronics Computers Mattresses Gaming
Inside Home Choice
Home Choice photo
Home Choice photo
Home Choice photo
Home Choice photo

Photos from this location's public business profile and the store's own submissions. VRTO does not add photography.

What you can rent here

Home Choice is a rent-to-own retailer with 21 stores across Minnesota, serving communities from Duluth and St. Cloud to West St. Paul, Crystal, and Blaine. Its stores carry furniture, appliances, electronics, computers, mattresses, smartphones, gaming, jewelry, and tires and wheels, available on flexible weekly, bi-weekly, or monthly lease agreements. Like most rent-to-own stores, Home Choice does not require a traditional credit check to get started. It holds a 3.8-star Google rating across more than 1,200 reviews. Compare Home Choice on VRTO alongside other rent-to-own stores near you, with hours, ratings, and what each location carries.

What this store carries

These are the categories this Home Choice carries. Call the store for current prices and terms.

Furniture
Living room and bedroom sets, sofas, tables
Appliances
Washers, dryers, refrigerators, ranges
Electronics
TVs, sound systems, home theater
Computers
Laptops and desktops
Mattresses
Mattress sets, all sizes
Gaming
Consoles and accessories
Smartphones
Smartphones and tablets
Tires & Wheels
Tires mounted and balanced, wheels
Jewelry
Rings, watches, fine jewelry

This location

2950 W Division St, St Cloud, MN. Closes 7 PM.

Call (320) 251-0200 Get directions

Home Choice will tell you what you qualify for before anything is run, stated by Home Choice.

Before you go in

Bring a photo ID and something that shows your income, like a pay stub.
Ask what the payment is, how many payments there are, and what the total comes to.
Ask what the item costs if you pay it off in the first 90 days.
Read the agreement before you sign it, and take a copy home.

How rent-to-own leases usually work

Payment frequency Weekly or monthly
Typical term 12 to 24 months
Same-as-cash window 90 days
Credit check Usually not required

Typical terms for rent-to-own stores. This store sets its own; always read the agreement before you sign.

What to bring

  • 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 mail with your address)
  • Personal references (typically 3 to 4 contacts with phone numbers)

How it works

  1. 1Browse in store and choose from available furniture, appliances, electronics, and more.
  2. 2Apply with no traditional credit check at most stores. Approval is based on income and residency.
  3. 3Get approved, often same day, with immediate access to your items.
  4. 4Delivery or pickup, with free delivery, setup, and ongoing service at most stores.

Typically included with rent-to-own agreements:

Delivery, setup, service, maintenance, return rights, and early purchase options vary by retailer and agreement. Ask the store to provide the complete written terms before signing.

Frequently asked questions

Home Choice offers furniture, appliances, electronics, computers, mattresses, gaming, smartphones, tires-wheels, jewelry on a rent-to-own basis. Product availability and pricing may vary. Contact the store directly to confirm current inventory.

Home Choice is located at 2950 W Division St, St Cloud, MN. Check the store hours listed on this page for current opening and closing times, as hours may vary on holidays.

Most rent-to-own stores, including Home Choice, do not require a traditional credit check. Approval is typically based on income verification and proof of residency. Contact Home Choice directly to confirm their specific requirements.

Return timing, fees, item condition, refunds, and remaining obligations vary by agreement. Contact Home Choice to review its written return and early purchase terms.

You can contact the store directly by calling (320) 251-0200 or visiting in person at 2950 W Division St, St Cloud, MN.

Hours and how to get there

Monday 10:00 AM – 7:00 PM
Tuesday (Today) 10:00 AM – 6:00 PM
Wednesday 10:00 AM – 6:00 PM
Thursday 10:00 AM – 6:00 PM
Friday 10:00 AM – 7:00 PM
Saturday 9:00 AM – 6:00 PM
Sunday Closed

Hours confirmed with the store Nov 1, 2026. Call ahead on a holiday.

Where to find it
2950 W Division St St Cloud, MN 56301

Customer reviews

3.3 out of 5 stars, 107 Google reviews 3.3 107 · Google
Have you visited this store? Write a review on Google
Nicole Fitzgerald

I have called when there's supposed to be in hours and no one has picked up.I have called multiple times no one has picked up ummm great service.. ..

Christine Christianson

I have been a customer here for over 20 years and have always had a great experience until this new manager. I went to store to buy a chair and asked her to order a queen size mattress for me. This was in early January and she told me it would be a week. I NEVER received a phone call or any notification that my mattress was in. The next thing I noticed is I am being charged for a mattress I NEVER received!! These two females that are running this store are very UNPROFESSIONAL AND RUDE. My account manager called me and was very rude and unfriendly. She just says, you missed a payment on Saturday. WOW!! NO friendliness to her st all!! I RECOMMEND YOU FIND A JOB CLEANING TOILETS BECAUSE YOU ARE AS LAME AS A TOILET!!! I will be doing my future purchases from another store. Not at all satisfied with these two women in charge of this store!!

Tonia Norton
Tonia Norton 1 year ago

After being a customer for 15 years the last year has been awful. Workers are rude, there is no customer service anymore. On 2 occasions delivery people wrecked stuff in our home. The last purchase will be our last there. Once stuff is paid off we will never be back.

Cassie Schultz
Cassie Schultz 1 year ago

Would not recommend buying through them. We were on auto pay and explicitly told them to have both our couch and bed set payment be taken out the same day every two weeks. well that only lasted about a month until they were tying to take payments out every week. Then we get a call saying we are behind in a payment and that they were going to try and come take the couch when we haven’t touched our auto pay at ALL and when we were on the phone with them we get put on hold only to hear an ad on how we should sign up for auto pay so we never forget a payment🙄 needless to say we won’t ever be buying through them again

Kayla Valle
Kayla Valle 1 year ago

I purchased a sectional sofa from here , the delivery guys were fighting inside my house the whole time . Damaged my wall and broke a shoe shelf ! One of them cut my couch in 3 spots with a exacto type knife .. they ended up giving me $250 off. For that problem.. Then they got a new manager (that was a joke ) she is so unprofessional and disrespectful!! I ended up getting a new couch…, continued my payments as normal. I just made my last payment last week and he told me I am all paid up the $250 will be coming off since I made my last payment.. I keep getting phone calls and messages about my Home Choice bill that is due I called today and the manager said she put the $250 back on there cause she gave me a new couch That is so wrong I was already paid off. How can you just add something back on there? I have been trying to get a hold of corporate. And they just keep sending my phone call back to her! I will never I repeat never shop at Home Choice again They need a real manager That can actually take care of their situations If anybody has any other phone numbers, I can contact I definitely take them.

Jeannie Holt
Jeannie Holt 1 year ago

Very dissatisfied with the customer service in Saint Cloud, I told them more than once that I was having knee surgery and would be out of work. Some of my items were damaged, when I received them. The employee that called me today hung up on me and was very rude. I won’t ever come back to Home Choice when I’m done. This is why I gave it a 3 stars.

Data accuracy notice

Store details including hours, address, phone number, and product availability are sourced from publicly available retailer data and updated regularly. This information may not reflect recent changes. Always contact the store directly to confirm current hours, inventory, and pricing before visiting. VRTO (Virtual Rent To Own) is a directory and is not affiliated with, endorsed by, or acting as an agent of Home Choice or any other rent-to-own company. Reviews and ratings shown are from Google and reflect the opinions of individual reviewers, not VRTO. See our full disclaimer and data collection methodology.

Listing information for Home Choice is provided for reference purposes only. VRTO is not affiliated with this store. Contact the store directly to verify hours, inventory, and pricing.

VRTO uses cookies. We do not sell your information.

Do Not Sell or Share My Personal Information

Your browser sent a Global Privacy Control signal, so we set your choices to only what's needed.

Do Not Sell or Share My Personal Information

Your cookie choices

Necessary cookies keep the site working and can't be turned off. You choose the rest.

Global Privacy Control is enabled in this browser. Analytics remains off.

Necessary

Keeps you signed into your session, protects forms from abuse, and remembers your state so search results are right. Always on.

Analytics

Tells us which pages help people find a rent-to-own store, so we know what to fix. No ad targeting, no cross-site tracking.

Do Not Sell or Share My Personal Information