Rent to own stores in Willmar, Minnesota

1 rent-to-own store serves Willmar, MN.

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.

Stores

The 1 rent-to-own store in Willmar, MN

Every row carries the store's address, hours, phone number, and its Google rating, so you can call one today.

Home Choice, 2520 1st Street South, Suite A

Details

Closed · Opens 10 AM

4.0 1 · Google

2520 1st Street South, Suite A, Willmar, MN 56201

Confirmed Nov 1, 2026

Furniture Appliances +7 more

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What customers are saying

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

Unfortunately it is a smaller building so displays are limited but they are able to order in things they don't have on display which is the customer service has always been very helpful & friendly

Kali Lopez

Home Choice

Unfortunately it is a smaller building so displays are limited but they are able to order in things they don't have on display which is the customer service has always been very helpful & friendly

Kali Lopez

Home Choice

Reviews from Google

Willmar, MN

What renting to own in Willmar looks like

1 rent-to-own store serves Willmar, MN, from 1 company.

Stores here include Home Choice (2520 1st Street South, Suite A).

Minnesota regulates rent-to-own under general consumer protection law. The law gives you 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 Willmar 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 Willmar

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 store in Willmar.

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.

Minnesota law

What Minnesota law gives you before you sign

Minnesota regulates rent-to-own under general consumer protection laws, 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.

Disclosure requirements Must comply with full credit sale disclosure requirements under Minnesota consumer credit law and federal Truth in Lending Act (TILA).

Repossession rules Standard UCC repossession rules apply. RTO transactions are treated as credit sales under Minnesota law.

Nearby cities

Bloomington (2) Burnsville (2) Crystal (2) Mankato (2) Maplewood (2) Moorhead (2) Roseville (2) West St Paul (2)

All rent-to-own stores in Minnesota

Categories in Willmar

Furniture(1) Appliances(1) Electronics(1) Computers(1) Mattresses(1) Smartphones(1) Gaming(1) Tires & Wheels(1) Jewelry(1)

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

Renting to own in Willmar, answered

There are 1 rent-to-own store in Willmar, MN, from 1 company: Home Choice. Confirm important listing details directly with the retailer.

Most rent-to-own stores in Willmar 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 Willmar 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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