VRTO

Rent-to-Own Stores in New York

145 store locations across 86 cities

There are 145 rent-to-own stores in New York across 86 cities. Major rent-to-own companies operating in New York include Rent-A-Center, Aaron's, Arona, Great, HomeTown RTO, and 5 others. The cities with the most rent-to-own stores are Rochester (8 stores), Syracuse (7 stores), Buffalo (5 stores). Rent-to-own stores in New York offer furniture, appliances, electronics, computers, mattresses, smartphones, and more with flexible weekly or monthly payments and no traditional credit check required. Use the VRTO (Virtual Rent To Own) directory below to compare stores, check hours, and find rent-to-own options near you.

Companies

Search All New York Stores

Top Cities in New York

Rochester

NY · 8 stores

Syracuse

NY · 7 stores

Buffalo

NY · 5 stores

Jamestown

NY · 4 stores

Utica

NY · 4 stores

Watertown

NY · 4 stores

Albany

NY · 3 stores

Auburn

NY · 3 stores

Binghamton

NY · 3 stores

Dunkirk

NY · 3 stores

Massena

NY · 3 stores

Plattsburgh

NY · 3 stores

New York Metro Areas

Browse by metro region to find stores near you.

The Bronx Area

2 stores
Staten Island (1) · The Bronx (1)

Albany Area

15 stores
Albany (3) · Schenectady (3) · Amsterdam (2) · Cohoes (1) · East Greenbush (1) · Hudson (1) +4 more

Syracuse Area

15 stores
Syracuse (7) · Auburn (3) · Fulton (2) · Central Square (1) · Liverpool (1) · Mattydale (1)

Jamestown Area

10 stores
Jamestown (4) · Dunkirk (3) · Salamanca (2) · Gowanda (1)

Utica Area

9 stores
Utica (4) · Rome (3) · Herkimer (1) · Oneida (1)

Poughkeepsie Area

6 stores
Kingston (2) · Middletown (2) · Newburgh (1) · Poughkeepsie (1)

Niagara Falls Area

12 stores
Buffalo (5) · Cheektowaga (2) · Niagara Falls (2) · Tonawanda (2) · Lockport (1)

Rochester Area

13 stores
Rochester (8) · Geneseo (2) · Albion (1) · Canandaigua (1) · Greece (1)

Geneva Area

6 stores
Geneva (2) · Newark (2) · Penn Yan (1) · Waterloo (1)

Gloversville Area

5 stores
Gloversville (2) · Cobleskill (1) · Johnstown (1) · Palatine Bridge (1)

Massena Area

5 stores
Massena (3) · Malone (1) · Potsdam (1)

Watertown Area

5 stores
Watertown (4) · Carthage (1)

All 86 Cities in New York

A

Albany 3 Albion 1 Amsterdam 2 Arcade 2 Auburn 3

B

Batavia 1 Bath 1 Bay Shore 1 Binghamton 3 Buffalo 5

C

Canandaigua 1 Carthage 1 Catskill 1 Central Islip 1 Central Square 1 Cheektowaga 2 Cobleskill 1 Cohoes 1 Corning 1 Cortland 1

D

Dansville 1 Dunkirk 3

E

East Greenbush 1 Elmira 2 Endicott 1

F

Fulton 2

G

Geneseo 2 Geneva 2 Gloversville 2 Gouverneur 1 Gowanda 1 Granville 1 Greece 1

H

Herkimer 1 Hornell 2 Hudson 1

I

Ithaca 1

J

Jamestown 4 Johnstown 1

K

Kingston 2

L

Lackawanna 1 Liberty 1 Liverpool 1 Lockport 1

M

Malone 1 Massena 3 Mattydale 1 Mechanicville 1 Medina 1 Middletown 2

N

Nedrow 1 Newark 2 Newburgh 1 Niagara Falls 2 Norwich 2

O

Ogdensburg 1 Olean 2 Oneida 1 Oneonta 1 Oswego 1

P

Palatine Bridge 1 Penn Yan 1 Plattsburgh 3 Potsdam 1 Poughkeepsie 1 Pulaski 1

Q

Queensbury 1

R

Rochester 8 Rome 3

S

Salamanca 2 Saratoga Springs 1 Schenectady 3 Sidney 1 South Glens Falls 1 Staten Island 1 Syracuse 7

T

The Bronx 1 Ticonderoga 1 Tonawanda 2 Troy 1

U

Utica 4

W

Warsaw 1 Waterloo 1 Watertown 4 Watervliet 1 Wellsville 1

Rent-to-Own Companies in New York

10 companies operating 145 store locations

Rent-A-Center 103 locations Aaron's 26 locations Arona 3 locations Great 3 locations HomeTown RTO 3 locations Premier 2 locations Auburn Quality 2 locations Americas own Rent-To-Own 1 location ColorTyme 1 location Today's Rentals 1 location

What You Can Rent-to-Own in New York

Appliances Computers Electronics Furniture Gaming Jewelry Mattresses Smartphones Tires & Wheels

Rent-to-Own Laws in New York

New York has a specific rent-to-own statute (New York Rent-to-Own Law). Understanding your rights before visiting a store helps you negotiate better terms.

Rent-to-Own Regulations

Rent-to-own is legal in this state
New York Rent-to-Own Law N.Y. Pers. Prop. Law §§ 500 to 511
Payment cap protections Total cost of the rental-purchase agreement may not exceed 2.0 times the cash price of the property (200% cap).
Early buyout rights required Consumer may purchase the property at any time by paying 50% of the remaining periodic payments plus any past-due amounts.
Repossession rules Must provide at least 7 days written notice of default. Consumer has reinstatement rights for up to 60 days after default.
Disclosure requirements Must disclose total payments, total cost, cash price, whether item is new or used, early purchase option, and reinstatement rights. Must provide the agreement in writing in the same language used in the negotiation.

Last verified: December 1, 2025

Source: State Legislature / Attorney General

Frequently Asked Questions

There are 145 rent-to-own store locations across 86 cities in New York. This includes stores from Rent-A-Center, Aaron's, Arona, Great, HomeTown RTO and 5 other companies.

The cities with the most rent-to-own stores in New York are Rochester (8 stores), Syracuse (7 stores), Buffalo (5 stores), Jamestown (4 stores), Utica (4 stores).

Rent-to-own stores in New York offer furniture, appliances, electronics, computers, smartphones, mattresses, jewelry, and tires. Product availability varies by store and location — use the category links above to browse by product type.

Most rent-to-own stores in New York do not require a traditional credit check. Approval is typically based on income verification and a valid ID. Contact stores directly to confirm their specific requirements.

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.