Provider Comparison Guide
Online Rent-to-Own Companies
Compare a selection of virtual lease-to-own and related providers, including screening, agreement, early-purchase, and product-category information to confirm before you apply.
What Is Online Rent-to-Own?
Online rent-to-own (also called virtual lease-to-own) lets you acquire products through a digital application and payment plan. Payment, ownership, early-purchase, and return terms vary by provider and agreement.
Unlike traditional rent-to-own stores that lease from their own inventory, online providers either partner with retailers at checkout or operate their own digital marketplaces. Most use alternative credit data instead of FICO scores, making approval accessible to consumers with limited or poor credit history.
Retailer-Partner Model
The provider integrates into a store's checkout. You apply while shopping at a partner retailer (online or in-store). The provider buys the item and leases it to you.
Examples: Progressive Leasing, Acima, Snap Finance, Katapult
Direct-to-Consumer Model
The provider runs its own online store. You browse their marketplace, select products, and lease directly from them. No third-party retailer involved.
Examples: FlexShopper, RTBShopper, LeaseVille, RentDelite
Quick Comparison
Side-by-side look at the providers covered in this guide. Scroll right to see all columns.
| Provider | Model | Credit Check | Lease Term | Early Buyout | Max Approval | Availability |
|---|---|---|---|---|---|---|
| Progressive Leasing | Retailer partner | Ask about consumer reports | Confirm current terms | Confirm amount and deadline | Provider determines eligibility | Unavailable in MN, NJ and WI. Confirm eligibility for your location. |
| Acima | Retailer + D2C | Ask about consumer reports | Confirm current terms | Confirm amount and deadline | Provider determines eligibility | Unavailable in MN, NJ and WI. Confirm eligibility for your location. |
| Katapult | Retailer (ecomm) | Ask about consumer reports | Confirm current terms | Confirm amount and deadline | Provider determines eligibility | Confirm with provider |
| Snap Finance | Retailer partner | Ask about consumer reports | Confirm current terms | Confirm amount and deadline | Provider determines eligibility | Confirm with provider |
| American First Finance | Retailer partner | Ask about consumer reports | Confirm current terms | Confirm amount and deadline | Provider determines eligibility | Confirm with provider |
| Koalafi | Retailer partner | Ask about consumer reports | Confirm current terms | Confirm amount and deadline | Provider determines eligibility | Confirm with provider |
| Kafene | Retailer partner | Ask about consumer reports | Confirm current terms | Confirm amount and deadline | Provider determines eligibility | Confirm with provider |
| Okinus | Retailer partner | Ask about consumer reports | Confirm current terms | Confirm amount and deadline | Provider determines eligibility | Confirm with provider |
| Kornerstone Credit | Retailer partner | Ask about consumer reports | Confirm current terms | Confirm amount and deadline | Provider determines eligibility | Confirm with provider |
| Uown Leasing | Retailer partner | Ask about consumer reports | Confirm current terms | Confirm amount and deadline | Provider determines eligibility | Confirm with provider |
| SmartPay | Wireless retail | Ask about consumer reports | Confirm current terms | Confirm amount and deadline | Provider determines eligibility | Confirm with provider |
| FlexShopper | D2C marketplace | Ask about consumer reports | Confirm current terms | Confirm amount and deadline | Provider determines eligibility | Snap lease-to-own is unavailable in MN, NJ and WI. |
| RTBShopper | D2C marketplace | Ask about consumer reports | Confirm current terms | Confirm amount and deadline | Provider determines eligibility | Confirm with provider |
| RentDelite | D2C marketplace | Ask about consumer reports | Confirm current terms | Confirm amount and deadline | Provider determines eligibility | Confirm with provider |
| LeaseVille | D2C marketplace | Ask about consumer reports | Confirm current terms | Confirm amount and deadline | Provider determines eligibility | Unavailable in ME, MN, NJ, OK, VT, WI, WV and WY. |
| Perpay | Payroll deduction | Ask about consumer reports | Confirm current terms | Confirm amount and deadline | Provider determines eligibility | Confirm with provider |
| Aaron's Online | Omnichannel | Ask about consumer reports | Confirm current terms | Confirm amount and deadline | Provider determines eligibility | Confirm with provider |
SAC = Same as Cash. Alt. CRA = Alternative Credit Reporting Agency. D2C = Direct-to-Consumer. Terms and availability subject to change. Verify directly with each provider.
Retailer-Partner Providers
These companies integrate into other stores' checkout processes. You apply while shopping at a participating retailer, and the provider purchases the item and leases it to you.
Progressive Leasing
Retailer-partner payment options. Confirm which company supplies the agreement.
Credit Check
Ask which consumer reports, income and banking records are reviewed; approval is not guaranteed.
Lease Term
Confirm the written payment count and ownership schedule.
Early Buyout
Ask for the current early purchase deadline, total including fees, and exercise requirements
Payments
Ask for the payment amount, cadence, count and total cost.
Product Categories
Provider terms and eligibility · Reviewed September 5, 2026
Acima
Retailer-partner payment options. Confirm which company supplies the agreement.
Credit Check
Ask which consumer reports, income and banking records are reviewed; approval is not guaranteed.
Lease Term
Confirm the written payment count and ownership schedule.
Early Buyout
Ask for the current early purchase deadline, total including fees, and exercise requirements
Payments
Ask for the payment amount, cadence, count and total cost.
Product Categories
Provider terms and eligibility · Reviewed September 5, 2026
Katapult
Retailer-partner payment options. Confirm which company supplies the agreement.
Credit Check
Ask which consumer reports, income and banking records are reviewed; approval is not guaranteed.
Lease Term
Confirm the written payment count and ownership schedule.
Early Buyout
Ask for the current early purchase deadline, total including fees, and exercise requirements
Payments
Ask for the payment amount, cadence, count and total cost.
Product Categories
Snap Finance
Retailer-partner payment options. Confirm which company supplies the agreement.
Credit Check
Ask which consumer reports, income and banking records are reviewed; approval is not guaranteed.
Lease Term
Confirm the written payment count and ownership schedule.
Early Buyout
Ask for the current early purchase deadline, total including fees, and exercise requirements
Payments
Ask for the payment amount, cadence, count and total cost.
Product Categories
American First Finance
Retailer-partner payment options. Confirm which company supplies the agreement.
Credit Check
Ask which consumer reports, income and banking records are reviewed; approval is not guaranteed.
Lease Term
Confirm the written payment count and ownership schedule.
Early Buyout
Ask for the current early purchase deadline, total including fees, and exercise requirements
Payments
Ask for the payment amount, cadence, count and total cost.
Product Categories
Koalafi
Retailer-partner payment options. Confirm which company supplies the agreement.
Credit Check
Ask which consumer reports, income and banking records are reviewed; approval is not guaranteed.
Lease Term
Confirm the written payment count and ownership schedule.
Early Buyout
Ask for the current early purchase deadline, total including fees, and exercise requirements
Payments
Ask for the payment amount, cadence, count and total cost.
Product Categories
Kafene
Retailer-partner payment options. Confirm which company supplies the agreement.
Credit Check
Ask which consumer reports, income and banking records are reviewed; approval is not guaranteed.
Lease Term
Confirm the written payment count and ownership schedule.
Early Buyout
Ask for the current early purchase deadline, total including fees, and exercise requirements
Payments
Ask for the payment amount, cadence, count and total cost.
Product Categories
Okinus
Retailer-partner payment options. Confirm which company supplies the agreement.
Credit Check
Ask which consumer reports, income and banking records are reviewed; approval is not guaranteed.
Lease Term
Confirm the written payment count and ownership schedule.
Early Buyout
Ask for the current early purchase deadline, total including fees, and exercise requirements
Payments
Ask for the payment amount, cadence, count and total cost.
Product Categories
Kornerstone Credit
Retailer-partner payment options. Confirm which company supplies the agreement.
Credit Check
Ask which consumer reports, income and banking records are reviewed; approval is not guaranteed.
Lease Term
Confirm the written payment count and ownership schedule.
Early Buyout
Ask for the current early purchase deadline, total including fees, and exercise requirements
Payments
Ask for the payment amount, cadence, count and total cost.
Product Categories
Uown Leasing
Retailer-partner payment options. Confirm which company supplies the agreement.
Credit Check
Ask which consumer reports, income and banking records are reviewed; approval is not guaranteed.
Lease Term
Confirm the written payment count and ownership schedule.
Early Buyout
Ask for the current early purchase deadline, total including fees, and exercise requirements
Payments
Ask for the payment amount, cadence, count and total cost.
Product Categories
SmartPay
Retailer-partner payment options. Confirm which company supplies the agreement.
Credit Check
Ask which consumer reports, income and banking records are reviewed; approval is not guaranteed.
Lease Term
Confirm the written payment count and ownership schedule.
Early Buyout
Ask for the current early purchase deadline, total including fees, and exercise requirements
Payments
Ask for the payment amount, cadence, count and total cost.
Product Categories
Direct-to-Consumer Providers
These sites let you shop online. Some provide leases themselves; others offer agreements through third-party leasing or financing companies. Check which company supplies your agreement.
FlexShopper
Online marketplace offering lease-to-own through Snap Finance.
Credit Check
Ask which consumer reports, income and banking records are reviewed; approval is not guaranteed.
Lease Term
Confirm the written payment count and ownership schedule.
Early Buyout
Ask for the current early purchase deadline, total including fees, and exercise requirements
Payments
Ask for the payment amount, cadence, count and total cost.
Product Categories
Provider terms and eligibility · Reviewed September 5, 2026
RTBShopper
Online retailer offering third-party leasing and financing options.
Credit Check
Ask which consumer reports, income and banking records are reviewed; approval is not guaranteed.
Lease Term
Confirm the written payment count and ownership schedule.
Early Buyout
Ask for the current early purchase deadline, total including fees, and exercise requirements
Payments
Ask for the payment amount, cadence, count and total cost.
Product Categories
Provider terms and eligibility · Reviewed September 5, 2026
RentDelite
Online shopping with provider-specific lease and eligibility terms.
Credit Check
Ask which consumer reports, income and banking records are reviewed; approval is not guaranteed.
Lease Term
Confirm the written payment count and ownership schedule.
Early Buyout
Ask for the current early purchase deadline, total including fees, and exercise requirements
Payments
Ask for the payment amount, cadence, count and total cost.
Product Categories
LeaseVille
Online lease-to-own store. Compare the written ownership and return terms.
Credit Check
Ask which consumer reports, income and banking records are reviewed; approval is not guaranteed.
Lease Term
Confirm the written payment count and ownership schedule.
Early Buyout
A 100-day purchase option may be available; its price can exceed retail. Confirm the amount and exercise requirements.
Payments
Ask for the payment amount, cadence, count and total cost.
Product Categories
Provider terms and eligibility · Reviewed September 5, 2026
Perpay
Shopping through a payroll-deduction payment model; compare it separately from a lease.
Credit Check
Ask which consumer reports, income and banking records are reviewed; approval is not guaranteed.
Lease Term
Confirm the written payment count and ownership schedule.
Early Buyout
Ask for the current early purchase deadline, total including fees, and exercise requirements
Payments
Ask for the payment amount, cadence, count and total cost.
Product Categories
Aaron's Online
Traditional RTO chain with full ecommerce program, early purchase options
Credit Check
Ask about consumer-report checks and eligibility requirements.
Lease Term
12-24 months
Early Buyout
Ask for the current early purchase deadline, total including fees, and exercise requirements
Payments
Weekly, biweekly, or monthly
Product Categories
Ask your local store about delivery, setup, service charges and the agreement offered online.
Online Rent-to-Own vs. Other Payment Options
Online RTO vs. Traditional RTO Stores
Traditional stores (Aaron's, Rent-A-Center, Buddy's) lease from their own showroom inventory and may offer delivery, setup, and service; ask about charges. Online RTO providers partner with retailers or run marketplaces, giving you access to far more products and brands, but you typically handle delivery and service yourself.
Online RTO vs. Buy Now, Pay Later (BNPL)
BNPL finances a purchase through scheduled installments; interest and fees depend on the product and provider. Rent-to-own generally offers periodic use payments and a path to ownership. Compare ownership, return requirements, total payments and missed-payment consequences in the actual agreements.
Online RTO vs. Store Credit Cards
Store credit cards and online rent-to-own use different agreement and screening models. Ask each provider whether it uses a hard or soft credit inquiry and how returns, missed payments, collections, and credit reporting work before applying.
Frequently Asked Questions
Prefer a Local Store?
VRTO (Virtual Rent To Own) is the national rent-to-own store directory and consumer guide. Search by city or ZIP code to browse listed local shops and national chains near you.
VRTO is not affiliated with, endorsed by, or connected to any of the online rent-to-own providers listed on this page. All information is provided for comparison purposes only and was accurate at the time of publication. Terms, availability, and approval criteria change frequently. Verify directly with each provider before applying. This page does not constitute financial advice.