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Rent-to-own smartphones

Rent-to-own smartphones, near you.

Get connected with a new phone today. No carrier contract, and most stores skip the traditional credit check. Pay weekly.

Rent-to-own smartphone programs may provide devices through renewable payments and an option to own. Many retailers use alternative screening instead of a traditional credit check. Carrier compatibility, activation, approval criteria, return conditions, fees, reporting practices, and early purchase terms vary.

iPhone Samsung Galaxy Google Pixel Unlocked
Free·No sign-up·National directory
Smartphones of the kind rent-to-own stores carry
Stores How it works Costs Before you go By state Guides FAQ

Smartphones rent-to-own stores near you

Search above for rent-to-own stores that carry smartphones near you, or browse stores by state below.

Weekly or monthly
Payments (set by the store)
12-18 months
Typical term
2,693
Stores
50
States + DC

Agreements may use weekly, biweekly, or monthly renewals. Screening, upfront payments, delivery, service, return conditions, fees, overdue amounts, balances, reporting practices, and early purchase terms vary by retailer and agreement. Confirm each term in writing before signing.

Some of the 2,693 stores that carry smartphones

A sample of listed locations. Search above or browse by state below to see every store near you, with its hours, phone number, and the date it was last confirmed.

Companies offering rent-to-own smartphones

A selection of companies in the VRTO directory whose stores carry smartphones. Browse by state below for specific locations, hours, and contact information.

Rent-A-Center (1,906) Buddy's Home Furnishings (218) Rent One (100) Bestway Rent To Own (85) Arona (46) Rent 2 Own (44) Get It Now (29) Home Choice (29)

View all companies →

Listings and rankings on VRTO are never paid for. Stores are ordered by distance from the location you enter. How rankings work

How it works

How rent-to-own smartphones works

Agreements may use weekly, biweekly, or monthly renewals. Screening, upfront payments, delivery, service, return conditions, fees, overdue amounts, balances, reporting practices, and early purchase terms vary by retailer and agreement. Confirm each term in writing before signing.

1 Take it home today Pick your smartphones and sign a short lease. There is no big upfront cost, and most stores skip the traditional credit check.
2 Pay weekly or monthly Make small payments on a schedule you agree to. Pay it off early and you save (see what it costs, below).
3 Own it, or review the return option Complete the agreement to own the smartphones. Many agreements allow returns that end future renewals, but conditions, fees, overdue amounts, and reporting practices vary.

What's specific to smartphones

The lease works the same as any category. Smartphones just adds a few things worth checking before you choose.

Compare to Carrier Financing First Many phone carriers offer zero-interest financing, but it requires a credit check and often a long-term contract. Compare the total rent-to-own cost against carrier plans. RTO makes sense when you cannot qualify for carrier financing or want the flexibility to return the device at any time.
Verify Carrier Compatibility Make sure the phone you are renting works with your carrier (AT&T, Verizon, T-Mobile). Most rent-to-own smartphones are unlocked, but verify before signing your lease agreement to avoid activation issues.
Upgrade Policies Vary Some stores allow mid-agreement upgrades: return your current device and start a new agreement for the newer model. If staying current matters to you, ask about upgrade policies before signing. Not all stores offer this option.
Protect the Device Immediately Smartphones are fragile. Invest in a quality case and screen protector on day one. Some agreements charge for damage beyond normal wear, so a $20 case can save you hundreds. This is the same advice whether you buy, finance, or rent to own.
What it costs

What rent-to-own smartphones really costs.

The figures shown are illustrative ranges, not live quotes. Actual payments, agreement length, total of payments, fees, and return terms vary by retailer and item.

Many agreements offer an early purchase option that may reduce the total. Ask for its deadline, purchase price, and fees in writing before signing.

Estimate your total with the calculator
What it typically costs
Smartphones
Typical example
Payment cadence Weekly or monthly
Typical term 12-18 months
Total cost Payment x payments, set by the store
Delivery & service Usually free
Early purchase option (within ~90 days) Terms vary

Figures are typical examples, not quotes or guarantees. The store sets the actual price. Ask for the cash price, weekly payment, number of payments, and total before you sign.

Before you go

Before you rent smartphones

A little prep makes the visit quick. Bring the right paperwork, and have these questions ready. A good store will answer every one.

What to bring

A valid photo ID
Proof of income (a recent pay stub or bank statement)
Proof of residence (a utility bill or lease)

What to ask before you sign

The cash price, the weekly payment, the number of payments, and the total.
When is the early-purchase deadline, and how much does it save?
Is delivery, setup, and service included for the full term?
What happens if I need to return it early?
By state

Rent-to-own smartphones by state

Rent-to-own laws, pricing, and store availability vary by state. Pick yours to see local smartphones stores and the rules where you live.

All 50 states and DC
Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Every state links to local smartphones stores and state-specific rent-to-own information. Each store record shows the date it was confirmed.

Guides

Smartphones guides

Plain-language guides to help you choose well and know what a lease will total.

All guides
Guide

What Is Rent-to-Own? The Complete Guide for 2026

Read guide Guide

The Early Purchase Option (EPO): How to Save Money on Rent-to-Own

Read guide Guide

How Rent-to-Own Works With No Credit Check

Read guide Guide

The Real Cost of Rent-to-Own: A Category-by-Category Breakdown

Read guide

Rent-to-own smartphones, answered

The payment depends on the model and the store, and each store sets its own payment and number of payments. A latest-generation phone typically costs more than a previous-generation or refurbished device. Browse the stores above for one near you, and ask it for the payment, the number of payments and the total. Use our calculator at vrto.com/calculator once you have a store's numbers, including the early purchase option.
Most rent-to-own smartphones are unlocked and work with any major carrier (AT&T, Verizon, T-Mobile). Always verify carrier compatibility before signing your lease agreement to avoid activation issues. Unlocked phones give you the flexibility to switch carriers without restrictions.
Costs and approval requirements vary. Compare each option’s cash price, total of payments, fees, contract length, carrier lock, early purchase terms, return conditions, and screening before deciding.
Some stores allow mid-agreement upgrades. You return your current device and start a new agreement for the newer model. Not all stores offer this, so ask about upgrade policies before signing if staying current matters to you.
No. Rent-to-own smartphone programs do not require a traditional credit check. The CFPB estimates 26 million Americans are credit invisible; rent-to-own bypasses this barrier with income-based approval and a valid ID.

Popular rent-to-own smartphones

iPhone (latest and previous generation), Samsung Galaxy, Google Pixel, unlocked smartphones, and refurbished devices.

Product availability varies by store and location. Search above or browse by state to find stores near you.

Related categories

Electronics TVs, sound Computers Laptops, desktops Gaming Consoles, PCs
Confirmed by the store

Who confirms these smartphones store records

Each store sets its own terms and is responsible for its own numbers, so the same item can carry different terms from one store to the next. VRTO shows each store's name, address, hours, and rating, with the date it confirmed its details.

Listings and rankings on VRTO are never paid for.

How rankings work
Companies whose stores carry smartphones
Rent-A-Center 4.0 1,906 listed locations carrying smartphones Confirmed Nov 1, 2026 Buddy's Home Furnishings 4.6 218 listed locations carrying smartphones Confirmed Nov 1, 2026 Rent One 4.7 100 listed locations carrying smartphones Confirmed Nov 1, 2026 Bestway Rent To Own 4.3 85 listed locations carrying smartphones Confirmed Nov 1, 2026

Find your smartphones, near you.

Enter your ZIP code to find rent-to-own stores near you that may carry smartphones, then confirm availability and terms directly with the retailer.

Free to use·No account needed·All 50 states and DC

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