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Rent to Own Stores in St. Joseph, Missouri
1 store
St. Joseph, MO has 1 rent-to-own store listed in the VRTO (Virtual Rent To Own) directory. Available companies include Rent One. 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. Compare locations, hours, and ratings below. Most stores don't require a traditional credit check, and you can return anytime.
St. Joseph at a glance
1
RTO Stores
1
Companies
4.7 ★
Avg Rating
268
Reviews
Brands here
Rent One
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What customers are saying
Recent reviews from rent-to-own stores in St. Joseph.
Gabe did a great job he was in and out and he came by himself and did an amazing job and he had great customer service! And made sure everything was perfect before he left and made sure everything was picked up he did a spectacular service!! -Robin (Gabe the delivery guy)
Robin Rife
Rent One is a great place! I am definitely satisfied with my new living room furniture! Gabe and Chris came and set up my furniture for me. They did a fantastic job, set it up quickly and exactly where I wanted it. Highly recommend!
Ashley Carver
There friendly and always willing to help in every way 😊
Tina Gilstrap
Brad and I have rent from rent one since they took over a long time! We have furnished just about our whole home several times there. We have never had any issues.when he was injured or struggling they worked with us completely! I have ordered new furniture a lot I love change and Everytime I asked to keep it all boxed till delivered. Never a problem everyone has always been helpful friendly respectful quick on all levels the team you have are quite the best team so far. Thanks for all u guys do.
Jennifer Parker
I will keep renting from them. They have quality products and excellent customer service. Also if I need anything they will find it as well. They go above and beyond. I absolutely love this store!!!
Amy Johnson
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
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 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 1 stores in St. Joseph.
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. Missouri has consumer protection laws governing RTO transactions. Ask the store for a copy of your agreement before signing.
Renting to own in Missouri: what the law gives you
Missouri has a specific rent-to-own statute (Missouri Rental-Purchase Agreement Act). Agreement structure, charges, returns, collections, and credit reporting can vary. Always read the agreement and confirm the terms with the store before you sign.
Rent-to-own in nearby cities
All rent-to-own stores in MissouriRent-to-own in St. Joseph, answered
St. Joseph, MO has 1 rent-to-own store listed in the VRTO directory, operated by 1 company: Rent One. 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. 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. 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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