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Rent to own stores in Urbana, Ohio

1 rent-to-own store serves Urbana, OH.

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 1 rent-to-own store in Urbana, OH

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

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What customers are saying

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

Brandon and the others at the Urbana, Ohio store are amazing! They will help in anyway possible. I've been purchasing with the company before it was rent a center. It's hard to find the correct person to run a store. I'm in retail and it's a rough world in the retail business. I'd not be a customer if Brandon was to leave. Thank you all at the Urbana, Ohio location.

brad smith
Rent-A-Center

Brandon is awesome and has the beard of knowledge he has found me everything ive asked for I could see him in a wizards robe saying you shall not pass and the fact is he'd have a blast with it lol

roger eaton
Rent-A-Center

Love the Staff! Love the New store manager Brandon. He is Awesome! Always goes above and beyond. Justin and John are great! Amazingly hard workers. You really get the family feel here. I have rented before, and I will definitely be returning as a customer! Keep up the great work guys!!

Elizabeth Washburn
Rent-A-Center

Whenever I need anything for my home, I am able to find it here. The staff are always amazing and go above and beyond to help me. And I always appreciate them so much! I’ve been a customer for years and I will continue to be.

Kailey Lynne
Rent-A-Center

The staff at RAC is always friendly and helpful. They remember who I am when I go in to pay my bill. The one time I had a problem with my washing machine they came the same day to drop off a "loaner" for free and picked up mine. They brought mine back when they said they would and it is still working great. I would highly recommend this store to anyone.

Andrew Kearfott
Rent-A-Center
Reviews from Google
Urbana, OH

What renting to own in Urbana looks like

1 rent-to-own store serves Urbana, OH, from 1 company.

Stores here include Rent-A-Center (215 Lippencott Lane).

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

Shopping for rent-to-own in Urbana

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 store in Urbana.

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

Ohio law

What Ohio law gives you before you sign

Ohio regulates rent-to-own under Ohio 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.

Ohio Rental-Purchase Agreement Act Ohio Rev. Code §§ 1351.01 to 1351.12
Disclosure requirements Must disclose total number and amount of payments, total cost, cash price, description of property, payment schedule, 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

Dayton (9) Springfield (5) Piqua (3) Bellefontaine (2) Troy (2) Xenia (2) Clayton (1) Fairborn (1)
All rent-to-own stores in Ohio

Categories in Urbana

Furniture(1) Appliances(1) Electronics(1) Computers(1) Mattresses(1) Smartphones(1) Gaming(1)

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

Renting to own in Urbana, answered

There are 1 rent-to-own store in Urbana, OH, from 1 company: Rent-A-Center. Confirm important listing details directly with the retailer.
Most rent-to-own stores in Urbana 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 Urbana 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 2 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. Ohio 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. Ohio regulates rent-to-own agreements under state consumer protection law. Rent-to-own agreements in Ohio 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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