3 stores across 7 categories
Utica, NY has 3 rent-to-own stores listed in the VRTO (Virtual Rent To Own) directory. Available companies include Aaron's, Great, Rent-A-Center. Product categories available: appliances, computers, electronics, furniture, gaming, mattresses, smartphones. Rent-to-own transactions are legal and regulated in NY (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. Payment cap: Total cost of the rental-purchase agreement may not exceed 2.0 times the cash price of the property (200% cap). 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.
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Compare 3 rent-to-own stores in Utica
See ratings, products, and contact info side by side.
Side-by-side comparison to help you choose the right store for your needs.
| Store | Google rating | Location | Phone | |
|---|---|---|---|---|
| Great | 4.2 37 reviews | 120 Genesee St | (315) 797-2700 | Visit Website |
| Rent-A-Center | 4.0 118 reviews | 1100 Mohawk St | (315) 724-1102 | Visit Website |
| Aaron's | 3.5 80 reviews | 1143 Mohawk St | (315) 797-2900 | Visit Website |
Recent reviews from rent-to-own stores in Utica.
very nice people to deal with would recommend 💯
Miguel R
✌🏽😎👍🏽 You Guys are Great‼️
Orlando Perez
Always kind and polite! Great to do business with !!
Shauna Wilcox
Great place, great customer service. I always have a positive experience here. Besides supporting a local bank, I like using this bank as a sign of appreciation for what they do for this city, such things as a New year's eve event and much more. I highly recommend this bank for everyone.
I-DO-REVIEWS
I am a long time customer of Bank of Utica, for my personal savings as well as a volunteer for a nonprofit that keeps accounts here. The services are efficient and staff are like friends. Have always recommended to others looking for a family bank or business partner.
Bruce Brodsky
I purchased this yesterday was delivered today the manager made sure I got a delivery asap also worked with me on payments and pay off price I highly recommend them the guys who delivered were very respectful and helpful I couldn’t be happier with my purchase thank you all you truly made our Christmas brighter!
tiffany Kiefer
Most stores in Utica 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 York, stores are required to offer an early purchase option. Requirements vary by store. Call ahead to confirm.
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 Utica.
Use the comparison table above to compare stores side by side, rated by customers, with products and contact info in one view.
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.
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.
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.
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.
Rent-to-own is generally structured as a lease with an option to own. Return rights and obligations vary by agreement and state. New York has consumer protection laws governing RTO transactions. Ask the store for a copy of your agreement before signing.
New York has a specific rent-to-own statute (New York Rent-to-Own Law). Agreement structure, charges, returns, collections, and credit reporting can vary. Always read the agreement and confirm the terms with the store before you sign.
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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