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Rent to own stores in Gallup, New Mexico

3 rent-to-own stores serve Gallup, NM, and 3 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 3 rent-to-own stores in Gallup, NM

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

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3 stores shown · sorted by relevance

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Compare 3 rent-to-own stores in Gallup

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

Compare Stores

Compare Rent-to-Own Stores in Gallup, NM

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

Store Google rating Location Phone Links
Buddy's Home Furnishings 4.2 100 reviews 1100 Us-491 (505) 722-2120 Website: Buddy's Home Furnishings, 1100 Us-491
Rent-A-Center 3.6 30 reviews 814 Us-491 (505) 722-7365 Website: Rent-A-Center, 814 Us-491
Aaron's 3.0 131 reviews 1808 E Hwy 66 (505) 726-2858 Website: Aaron's, 1808 E Hwy 66

What customers are saying

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

Buddy's Home Furnishings made my purchase easy recently. No questions asked, they helped me with the items I wanted. They are friendly and I recommend this place for all your home furniture ❤.

Sangelita Weekoty
Buddy's Home Furnishings

Buddy's Home Furnishings made my purchase easy recently. No questions asked, they helped me with the items I wanted. They are friendly and I recommend this place for all your home furniture ❤.

Sangelita Weekoty
Buddy's Home Furnishings

I Always enjoy the customer service here. Jaren was awesome! ((Hope I spelt that right)) He greeted me as soon as I walked in & was very helpful! Walked out happy & now awaiting a new sectional couch to be delivered very soon! Thanks again!

Vivian A
Rent-A-Center

I Always enjoy the customer service here. Jaren was awesome! ((Hope I spelt that right)) He greeted me as soon as I walked in & was very helpful! Walked out happy & now awaiting a new sectional couch to be delivered very soon! Thanks again!

Vivian A
Rent-A-Center

Newly renovated store. More options regarding furniture as well. Come check it out.

Keith Guerrero
Aaron's
Reviews from Google
Gallup, NM

What renting to own in Gallup looks like

3 rent-to-own stores serve Gallup, NM, from 3 companies.

Stores here include Buddy's Home Furnishings (1100 Us-491), Rent-A-Center (814 Us-491), Aaron's (1808 E Hwy 66).

New Mexico regulates rent-to-own under New Mexico 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 Gallup 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 New Mexico, stores are required to offer an early purchase option. Requirements vary by store. Call ahead to confirm.

Shopping for rent-to-own in Gallup

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 Gallup.

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

New Mexico law

What New Mexico law gives you before you sign

New Mexico regulates rent-to-own under New Mexico 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.

New Mexico Rental-Purchase Agreement Act N.M. Stat. Ann. §§ 57-19-1 to 57-19-15
Disclosure requirements Must disclose total payments, total cost, cash price, payment schedule, description of property, and early purchase option.
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

Albuquerque (6) Farmington (4) Las Cruces (4) Carlsbad (3) Alamogordo (2) Clovis (2) Hobbs (2) Roswell (2)
All rent-to-own stores in New Mexico

Categories in Gallup

Furniture(3) Appliances(3) Electronics(3) Computers(3) Mattresses(3) Smartphones(2) Gaming(2)

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

Renting to own in Gallup, answered

There are 3 rent-to-own stores in Gallup, NM, from 3 companies: Aaron's, Buddy's Home Furnishings, Rent-A-Center. Confirm important listing details directly with the retailer.
Most rent-to-own stores in Gallup 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 Gallup 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 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. New Mexico 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. New Mexico regulates rent-to-own agreements under state consumer protection law. Rent-to-own agreements in New Mexico 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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