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Rent to own stores in O Fallon, Missouri

2 rent-to-own stores serve O Fallon, MO, and 2 of them are open right now.

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 2 rent-to-own stores in O Fallon, MO

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

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Florissant Saint Louis St. Louis St Louis Arnold

Compare 2 rent-to-own stores in O Fallon

See ratings, products, and contact info side by side.

Compare Stores

Compare Rent-to-Own Stores in O Fallon, MO

Side-by-side comparison to help you choose the right store for your needs.

Store Google rating Location Phone Links
Rent-A-Center 4.2 88 reviews 8614 Mexico Rd (636) 281-4414 Website: Rent-A-Center, 8614 Mexico Rd
Aaron's 3.2 106 reviews 2400 State Hwy K (636) 272-2342 Website: Aaron's, 2400 State Hwy K

What customers are saying

Recent reviews from rent-to-own stores in O Fallon.

I purchased the sofa and the coffee table which comes with 2 side tables as well, Val helped me and she was super nice and gave me a great price!

Mimi Qadri
Rent-A-Center

From the beginning when I needed my account transferred to this location, Val had this halo above her head so I knew I was in good hands! The bed room I originally came in for would have taken longer so Val made a call to the designer her self and had it flew in faster then I could ask more questions. (Delivery day) Val call to let me know my bed set was on its way and I was aesthetic! John and kel was so great they had my bed and dresser up so fast! It was like I open the door for them, closed it and they were done! As they where leaving and telling me to have a great day, I slipped at the top step, John caught me on the second step and there goes kel on the third step with phone in hand asking do I need medical assistant? Wow! Thank you guys for being just that amazing that I would create you guys as super hero’s! You rock!

Black Boundaries
Rent-A-Center

I only chose to rent from here because of Val. I have rented from places before and it’s always a hassle. Val took my call, made me feel like she understood my financial situation, and found the best deal for me. I will forever be grateful for her.

Kerilynn B
Rent-A-Center

We have been with this store for a few years. Valerie is amazing shes always there to help us. Shes the reason we come back ❤️

Carla E
Rent-A-Center

I purchased the sofa and the coffee table which comes with 2 side tables as well, Val helped me and she was super nice and gave me a great price!

Mimi Qadri
Rent-A-Center

What started off as a less than a desirable experience with an uneducated salesman was quickly turned around and made absolutely amazing by Romie!!!! Aaronn’s, you have one special lady there. So happy for everything she did for us. Mark Bair.

Mark Bair
Aaron's
Reviews from Google
O Fallon, MO

What renting to own in O Fallon looks like

2 rent-to-own stores serve O Fallon, MO, from 2 companies.

Stores here include Rent-A-Center (8614 Mexico Rd), Aaron's (2400 State Hwy K).

Missouri regulates rent-to-own under Missouri Rental-Purchase Agreement Act. The law gives you an early purchase option (Consumer may purchase the property at any time by paying 50% of the remaining periodic payments plus any past-due amounts.), 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 O Fallon 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. In Missouri, stores are required to offer an early purchase option. Requirements vary by store. Call ahead to confirm.

Shopping for rent-to-own in O Fallon

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 2 stores in O Fallon.

Compare stores side by side

Use the comparison table above to compare stores side by side, rated by customers, with products and contact info in one view.

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

Missouri law

What Missouri law gives you before you sign

Missouri regulates rent-to-own under Missouri Rental-Purchase Agreement Act, 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.

Missouri Rental-Purchase Agreement Act Mo. Rev. Stat. §§ 407.652 to 407.666
Disclosure requirements Must disclose total number and amount of payments, total cost, cash price, description of property, payment schedule, and the early purchase...
Early buyout rights Consumer may purchase the property at any time by paying 50% of the remaining periodic payments plus any past-due amounts.

Nearby cities

Florissant (3) Saint Louis (3) St. Louis (3) St Louis (3) Arnold (1) Breckenridge Hills (1) Crystal City (1) Fenton (1)
All rent-to-own stores in Missouri

Categories in O Fallon

Furniture(2) Appliances(2) Electronics(2) Computers(2) Mattresses(2) Smartphones(1) Gaming(2)

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

Renting to own in O Fallon, answered

There are 2 rent-to-own stores in O Fallon, MO, from 2 companies: Aaron's, Rent-A-Center. Confirm important listing details directly with the retailer.
Most rent-to-own stores in O Fallon 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 O Fallon 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. Use the comparison table above to see what each of the 2 local stores carries.
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. Missouri 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. Missouri regulates rent-to-own agreements under state consumer protection law. Rent-to-own agreements in Missouri 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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