3110 W Clay St
St Charles, MO 63301
Rent to Own Stores in St Charles, MO
St Charles, MO has 2 rent-to-own stores listed in the VRTO (Virtual Rent To Own) directory, updated daily from verified retailer data. Available companies include Rent One, Rent-A-Center. Product categories available: appliances, computers, electronics, furniture, gaming, jewelry, mattresses, smartphones. Rent-to-own transactions are legal and regulated in MO (Source: State Legislature). Early purchase rights: Consumer may purchase the property at any time by paying 50% of the remaining periodic payments plus any past-due amounts.. Most rent-to-own locations do not require a credit check — approval is typically based on income verification.
2
RTO Stores
2
Companies
4.4 ★
Avg Rating
181
Reviews
Compare 2 rent-to-own stores in St Charles
See ratings, products, and contact info side by side.
Companies
1051 Regency Pkwy
St Charles, MO 63303
furniture
appliances
electronics
computers
mattresses
+4 more
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Compare Rent-to-Own Stores in St Charles, MO
Side-by-side comparison to help you choose the right store for your needs.
| Store | Rating | Location | Phone | |
|---|---|---|---|---|
| Rent One | 4.8 104 reviews | 3110 W Clay St | (636) 928-8888 | Visit Website |
| Rent-A-Center | 3.9 77 reviews | 1051 Regency Pkwy | (636) 723-1811 | Visit Website |
What Customers Are Saying
Recent reviews from rent-to-own stores in St Charles.
The store manager, Molly, was super friendly and professional. She walked me through my contract with ease and I was able to get same day delivery!! An easy and stress free process, will absolutely be using this location in the future and referring to friends and family!
Madison Marchand
This was the best experience ~ Molly was very helpful with helping me decide and pick out my living room furniture and tv. She had it delivered very fast and checked to see if I was happy the next day. I definitely recommend using Rent One and have Molly help you. Thanks~ great job!!
Angie Roebuck
Our washer went out unexpectedly and we had to come up with a solution pretty quickly. Went by and they were able to get us a washer delivered the same day! The team at the store as well as the two gentleman the delivered and set up the washer were so professional! Highly recommend!
Sarah Gool
Guy’s Kendall is the best I went in looking for a Grey sectional and found just that at a great price!! Go check them out Kendall and Alexa will get u what u need!! Very courteous and professional.
Angela Holt
The delivery guy was very polite, respectful and informative. Took very good care of me.
Trish Walls
First I would recommend the location in st.charels. Mary the manager is extremely kind and caring and has such a great team working. Kevin one of the team members is also extremely kind and caring. It's nice to have got my first washer and dryer with people like them.
Keirston Fudge
Reviews from Google
What to Bring When Visiting a Rent-to-Own Store
Most stores in St Charles 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
No credit check required at most stores.
Rent-to-own is not a loan or credit purchase. You can return items at any time without penalty. 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 St Charles
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 St Charles.
Compare Stores Side by Side
Use the comparison table above to see all 2 stores 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 not a loan or credit purchase — it is a terminable lease. You can return items at any time without penalty. Missouri has consumer protection laws governing RTO transactions. Ask the store for a copy of your agreement before signing.
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 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. Reviews and ratings shown are from Google and reflect the opinions of individual reviewers, not VRTO. See our full disclaimer and data collection methodology.
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Frequently Asked Questions About Rent-to-Own in St Charles
St Charles, MO has 2 rent-to-own stores listed in the VRTO directory, operated by 2 companies: Rent One and Rent-A-Center. 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 St Charles 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 St Charles offer furniture, appliances, electronics, computers, smartphones, and mattresses. 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 is an independent directory service. We are not affiliated with, endorsed by, or connected to Aaron's, Rent-A-Center, or any other rent-to-own company. Store information is provided for reference purposes only. Some directory descriptions and guides are drafted with AI assistance and reviewed for accuracy by our editorial team.