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Home Choice

Closed · Opens 10 AM 3.3 (104 reviews) on Google

2950 W Division St, St Cloud, MN 56301

Inside Home Choice

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.
furniture appliances electronics computers mattresses gaming smartphones tires-wheels jewelry

How the lease works here

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

Terms are confirmed with the store and can change. 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

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

Location

2950 W Division St, St Cloud, MN 56301

Get directions

Customer reviews

3.3

104 reviews

Have you visited this store? Write a review on Google
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 11 months 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.

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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.