VRTO

Rent to Own Stores in Philadelphia, PA

Philadelphia, PA has 2 rent-to-own stores listed in the VRTO (Virtual Rent To Own) directory, updated daily from verified retailer data. Available companies include Aaron's, Rent-A-Center. Product categories available: appliances, computers, electronics, furniture, gaming, jewelry, mattresses, smartphones. With a population of 1,584,064 and a median household income of $52,649 (Source: US Census Bureau, American Community Survey), Philadelphia represents an underserved rent-to-own market. Rent-to-own transactions are legal and regulated in PA (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.. Most rent-to-own locations do not require a credit check — approval is typically based on income verification.

2 RTO Stores
2 Companies
3.5 ★ Avg Rating
167 Reviews

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Compare Rent-to-Own Stores in Philadelphia, PA

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

Store Rating Location Phone
Rent-A-Center 3.5 35 reviews 101 E Olney Ave (215) 927-1460 Visit Website
Aaron's 3.5 132 reviews 565 Adams Ave #24 (215) 342-4222 Visit Website

Store Hours Today (Sunday)

0 stores open now
9 currently closed

What Customers Are Saying

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

I usually don't leave reviews, but my recent visit to this location was so much better than the past. I can tell that there must be new management. I was shopping around for a TV and the guy there, I think his name was Ryan, was so helpful. He helped me to think about the perfect size TV for my bedroom. I will definately be going back to this location. Keep up the good customer service!

Kellie Brown
Rent-A-Center

Great customer service. They’re willing to work with you. Michelle at Aaron’s Furniture is AWESOME! She’s amazing. Always there to help ✝️.

Queen James
Aaron's
Reviews from Google

What to Bring When Visiting a Rent-to-Own Store

Most stores in Philadelphia 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

No credit check required at most stores.

Rent-to-own is not a loan or credit purchase. You can return items at any time without penalty. In Pennsylvania, stores are required to offer an early purchase option. Requirements vary by store — call ahead to confirm.

Shopping for Rent-to-Own in Philadelphia

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 2 stores in Philadelphia.

Compare Stores Side by Side

Use the comparison table above to see all 2 stores 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 not a loan or credit purchase — it is a terminable lease. You can return items at any time without penalty. Pennsylvania has consumer protection laws governing RTO transactions. Ask the store for a copy of your agreement before signing.

About Rent-to-Own in Philadelphia

Find rent-to-own stores in Philadelphia, PA. Compare pricing and options from local stores.

Data Accuracy Notice

Store details including hours, address, phone number, and product availability are sourced from publicly available retailer data and updated regularly. This information may not reflect recent changes — always contact the store directly to confirm current hours, inventory, and pricing before visiting. 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. Reviews and ratings shown are from Google and reflect the opinions of individual reviewers, not VRTO. See our full disclaimer and data collection methodology.

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Browse by Category in Philadelphia

appliances in Philadelphia computers in Philadelphia electronics in Philadelphia furniture in Philadelphia gaming in Philadelphia jewelry in Philadelphia mattresses in Philadelphia smartphones in Philadelphia tires-wheels in Philadelphia

Frequently Asked Questions About Rent-to-Own in Philadelphia

Philadelphia, PA has 2 rent-to-own stores listed in the VRTO directory, operated by 2 companies: Aaron's and Rent-A-Center. Each store offers different products and payment options. Browse the listings above to compare hours, ratings, and contact info.

Most rent-to-own stores in Philadelphia 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.

Philadelphia freeze-thaw cycles and aging infrastructure create persistent pothole conditions affecting tire longevity. Local RTO tire providers in Philadelphia offer flexible payment options that help drivers maintain safe tires year-round without large upfront costs.

Rent-to-own stores in Philadelphia offer furniture, appliances, electronics, computers, smartphones, and mattresses. 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.

Philadelphia has a median household income of $47,474 and a poverty rate of 23.1%. RTO provides an accessible path to household essentials without credit checks. The higher poverty rate than national average drives significant RTO furniture and appliance demand makes RTO a practical option for many local residents.

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. Pennsylvania 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. Pennsylvania regulates rent-to-own agreements under state consumer protection law. Rent-to-own agreements in Pennsylvania 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.

The Philadelphia metro area (6.2 million residents) has higher poverty rate than national average drives significant RTO furniture and appliance demand. With four distinct seasons with cold, snowy winters, local RTO stores tailor their inventory to meet specific community needs across all product categories.

RTO total cost in Philadelphia typically ranges from 1.5x to 2.5x the retail cash price, paid over 12-24 months. Under 73 P.S. 2301-2311 (Rental-Purchase Agreement Act), Pennsylvania dealers must disclose the total cost upfront. Early purchase options can significantly reduce the total amount paid.

Philadelphia experiences four distinct seasons with cold, snowy winters, which shapes local RTO demand. Living room furniture, appliances like washers and refrigerators, and electronics are consistently popular. The 41.5 inches of annual rainfall also drives demand for reliable transportation items including tires.

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.