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.
Smartphones rent-to-own stores near you
Enter your city or ZIP to see rent-to-own stores that carry smartphones near you, or browse the national listings by state below.
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.
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.
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.
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).
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 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 calculatorFigures 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 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
What to ask before you sign
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.
Browse available smartphones store listings and state-specific rent-to-own information.
Smartphones guides
Plain-language guides from the VRTO team to help you choose well and avoid overpaying.
Rent-to-own smartphones, answered
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
Listings use public business information and retailer-supplied data when available. Price ranges are educational examples, not store quotes. Always confirm price, terms, and availability directly with the retailer.
Find your smartphones, near you.
Search listed rent-to-own stores near you that may carry smartphones, then confirm availability and terms directly with the retailer.