Last checked 1 month ago
Rent to Own Stores in Athens, Tennessee
3 stores across 7 categories
Athens, TN has 3 rent-to-own stores listed in the VRTO (Virtual Rent To Own) directory. Available companies include Aaron's, American Rental, Rent-A-Center. Product categories available: appliances, computers, electronics, furniture, gaming, mattresses, smartphones. Rent-to-own transactions are legal and regulated in TN (Source: State Legislature). Early purchase rights: Consumer may purchase the property at any time by paying 60% 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. Compare locations, hours, and ratings below. Most stores don't require a traditional credit check, and you can return anytime.
Athens at a glance
3
RTO Stores
3
Companies
4.2 ★
Avg Rating
638
Reviews
Brands here
Aaron's
American Rental
Rent-A-Center
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Companies
Furniture
Appliances
Electronics
Computers
Mattresses
+2 more
Last checked 3 weeks ago
A
Furniture
Appliances
Electronics
Computers
Mattresses
+1 more
Last checked 1 month ago
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Companies
Compare 3 rent-to-own stores in Athens
See ratings, products, and contact info side by side.
Compare Rent-to-Own Stores in Athens, TN
Side-by-side comparison to help you choose the right store for your needs.
| Store | Google rating | Location | Phone | |
|---|---|---|---|---|
| American Rental | 4.7 303 reviews | 1434 Decatur Pike | (423) 746-2900 | Visit Website |
| Rent-A-Center | 4.4 224 reviews | 1864 Decatur Pike | (423) 745-9993 | Visit Website |
| Aaron's | 3.4 111 reviews | 1514 Congress Pkwy S | (423) 744-0328 | Visit Website |
What customers are saying
Recent reviews from rent-to-own stores in Athens.
They are very friendly an treat you like family. Always down to work with you on whatever situation you are in Stephanie will find away to make it happen. Stephanie also always goes above and beyond to help find exactly what you are looking for no matter what it takes. They are the best furniture store to purchase any of your home goods from.
Christa Hatfield
Ive done business with this store for years. Best store for furniture and more hands down. Real genuine people that will work with you through any and everything. Shout out to Stephanie!!!! She always comes through and she manages her crew to be the same way.
Romelious Fair
All the staff are friendly and welcoming. Stephanie is amazing and does all that she possibly can to get you what you need and for a good price. Very well pleased with this store and staff!!
Cayci Kennedy
They helped us in every way possible they were real nice they were more down to earth people easy to talk to i would recommend to any one to go there even the delivery guy helped in every way that he could all around good humble people and I thank them very much
Rita Giles
People their are extremely nice and friendly especially the movers they were quick and very helpful I’m in love with my couch and new bed definitely recommend coming here can’t beat the prices either
Jacob Escue
Chandler was awesome when I went to get my new bed!! He even sold me on a laptop! Great customer service and great attitude! I’ve been with RAC for a long time now and I appreciate everything they have done for me! I feel like family and they know me every time I come in to the store!
Sarah Bellman
Reviews from Google
What to bring when visiting a rent-to-own store
Most stores in Athens 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 Tennessee, stores are required to offer an early purchase option. Requirements vary by store. Call ahead to confirm.
Shopping for rent-to-own in Athens
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 3 stores in Athens.
Compare stores side by side
Use the comparison table above to compare stores side by side, 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 generally structured as a lease with an option to own. Return rights and obligations vary by agreement and state. Tennessee has consumer protection laws governing RTO transactions. Ask the store for a copy of your agreement before signing.
Renting to own in Tennessee: what the law gives you
Tennessee has a specific rent-to-own statute (Tennessee Rental-Purchase Agreement Act). Agreement structure, charges, returns, collections, and credit reporting can vary. Always read the agreement and confirm the terms with the store before you sign.
Shop by category in Athens
Rent-to-own in nearby cities
All rent-to-own stores in TennesseeRent-to-own in Athens, answered
Athens, TN has 4 rent-to-own stores listed in the VRTO directory, operated by 3 companies: Aaron's, American Rental, 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 Athens 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 Athens 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 3 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. Tennessee 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. Tennessee regulates rent-to-own agreements under state consumer protection law. Rent-to-own agreements in Tennessee 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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