VRTO

Rent to Own Stores in St Joseph, MO

St Joseph, 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 Aaron's, 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
3.9 ★ Avg Rating
315 Reviews

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Compare Rent-to-Own Stores in St Joseph, MO

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

Store Rating Location Phone
Rent-A-Center 3.8 201 reviews 1812 S Belt Hwy (816) 232-2111 Visit Website
Aaron's 4.1 114 reviews 1902 S Belt Hwy (816) 279-5777 Visit Website

Store Hours Today (Sunday)

0 stores open now
2 currently closed

What Customers Are Saying

Recent reviews from rent-to-own stores in St Joseph.

Ray and Dakota did a fantastic job on delivering my refrigerator! It was kind of a pain to get it through my back door and into my kitchen, but they got the job done. I'm very appreciative of their hard work and effort on getting it in my kitchen!

Ashley Carver
Rent-A-Center

I absolutely love this location. I have rented off and on for several years from this location. I just paid off my sectional today, and signed another agreement for a bedroom set. Tamera (not sure if thats spelled correctly) was absolutely amazing and dealing with me being so indecisive. Lol. 10 out 10 will recommend.

Brenda Coffelt
Rent-A-Center

This is the 3rd time, I have rented from Rent A Center! They will always have my business. Mindy works with you, she is truly amazing! She understands things happen sometimes, she is just truly amazing! Dakota and Ray were amazing delivery drivers they asked how my day has been going, and were just kind young men. Thank you so much for your kindness it doesn’t go unnoticed!

Laci Walker
Rent-A-Center

They worked really well on how things were done and how to deliver things. Once my delivery was ordered or and delivered it was an easy setup and no issues with the crew at all easy the work with. The delivery was on time and nothing was damaged everything was set up perfectly. What I really liked is that they double checked everything before they left to make sure that you're satisfactions was meant to its needs

Dylan Alves-Nakata
Rent-A-Center

As a property management company, we were left with several items that a tenant had rented form the Aaron's in St. Joe MO. Their team made the pick up process easy and seamless with no hassle.

Lori Lahman
Aaron's

I have rented online for the 1 cent deal. I have 2 payments left on my smart TV biggest I ever had. Now I own it almost! Love Andrew and Jesse r wonderful.

Sherri Stevens
Aaron's
Reviews from Google

What to Bring When Visiting a Rent-to-Own Store

Most stores in St Joseph 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 Joseph

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 Joseph.

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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Browse by Category in St Joseph

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Frequently Asked Questions About Rent-to-Own in St Joseph

St Joseph, MO has 2 rent-to-own stores listed in the VRTO directory, operated by 2 companies: Aaron's 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 Joseph 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 Joseph 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.