VRTO

Rent to Own Stores in Lincoln, NE

Lincoln, NE has 3 rent-to-own stores listed in the VRTO (Virtual Rent To Own) directory, updated daily from verified retailer data. Available companies include Ace Rent To Own, Arona, Rent-A-Center. Product categories available: appliances, computers, electronics, furniture, gaming, jewelry, mattresses, smartphones. With a population of 291,082 and a median household income of $61,418 (Source: US Census Bureau, American Community Survey), Lincoln represents a moderately served rent-to-own market. Rent-to-own transactions are legal and regulated in NE (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.

3 RTO Stores
3 Companies
4.0 ★ Avg Rating
833 Reviews

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Compare Rent-to-Own Stores in Lincoln, NE

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

Store Rating Location Phone
Ace Rent To Own 2.5 13 reviews 2440 N 9Th St (402) 466-5200 Visit Website
Arona 4.0 123 reviews 3830 North 27th Street (402) 467-5001 Visit Website
Rent-A-Center 3.9 49 reviews 4451 N 26Th St #1000 (402) 417-1142 Visit Website

Store Hours Today (Sunday)

0 stores open now
7 currently closed

What Customers Are Saying

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

Mark the best kindest helpful person I've met @ any location. But I'm Bellevue so I'm blessed I get to deal with him. He a super manager. Treats you like family. I've been with the company 42 years. Wouldn't go else where everything I own came from them. And were still renting. Love the little home town store. Good prices quality and service. Thanks for all your hard work. God bless. Stop in say hello they take great care you:)

S Ochoa
Ace Rent To Own

Ace Rent to Own is a great part of our community. The Sowers Club is running a fundraiser, and Ace is always in line to donate! What a fantastic group of people!

Douglas Fiene
Ace Rent To Own

Love this place! I have bought alot of stuff from here, never disappointed. Yesterday when they delivered my couches FedEx also left a package (Right in their way while they were carrying the stuff in) 🙄 I couldn't lift said package myself and without hesitation or me asking he moved it for me. Thanks alot! Will continue to come here for all my little needs ♡♡

Heather Coleman
Ace Rent To Own

Shelby and the entire Ace crew/staff have been FANTASTIC! We were in need of replacement furniture after experiencing the loss of our home to a fire. Shelby stayed late to arrange what we wanted, made us a deal on multiple items, and arranged for immediate delivery. She, and the entire staff and delivery crew made the experience as smooth as possible. Thank you! The Paul Family

Anthony Paul
Ace Rent To Own

The staff here are so helpful and polite, I love coming in not only do they work with you they took the time to explain the payment plans and how it works... I love this place!!

Nessa Marie
Ace Rent To Own

Had what I needed and was really easy to get signed in. Staff is very personable and friendly.

Julie Wiese
Ace Rent To Own
Reviews from Google

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

Most stores in Lincoln 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 Nebraska, stores are required to offer an early purchase option. Requirements vary by store — call ahead to confirm.

Shopping for Rent-to-Own in Lincoln

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 3 stores in Lincoln.

Compare Stores Side by Side

Use the comparison table above to see all 3 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. Nebraska has consumer protection laws governing RTO transactions. Ask the store for a copy of your agreement before signing.

About Rent-to-Own in Lincoln

Lincoln's 7 rent-to-own stores make Nebraska's capital city surprisingly competitive for RTO shopping. The city's large student population from the University of Nebraska drives demand for affordable furniture and electronics options. Lincoln RTO stores frequently offer move-in specials targeting renters and first-time apartment dwellers.

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 Lincoln

appliances in Lincoln computers in Lincoln electronics in Lincoln furniture in Lincoln gaming in Lincoln jewelry in Lincoln mattresses in Lincoln smartphones in Lincoln tires-wheels in Lincoln

Frequently Asked Questions About Rent-to-Own in Lincoln

Lincoln, NE has 7 rent-to-own stores listed in the VRTO directory, operated by 3 companies: Ace Rent To Own, Arona, 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 Lincoln 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 Lincoln 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 3 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. Nebraska 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. Nebraska regulates rent-to-own agreements under state consumer protection law. Rent-to-own agreements in Nebraska 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.