5 stores across 7 categories
Chattanooga, TN has 5 rent-to-own stores listed in the VRTO (Virtual Rent To Own) directory. Available companies include Aaron's, Buddy's Home Furnishings, Rent-A-Center. Product categories available: appliances, computers, electronics, furniture, gaming, mattresses, smartphones. With a population of 182,799 and a median household income of $49,218 (Source: US Census Bureau, American Community Survey), Chattanooga represents a well-served rent-to-own market. 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.
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Compare 5 rent-to-own stores in Chattanooga
See ratings, products, and contact info side by side.
Side-by-side comparison to help you choose the right store for your needs.
| Store | Google rating | Location | Phone | |
|---|---|---|---|---|
| Rent-A-Center | 4.4 75 reviews | 4419 Tn-58 | (423) 892-4982 | Visit Website |
| Buddy's Home Furnishings | 4.1 146 reviews | 6025 E Brainerd Rd | (423) 499-2453 | Visit Website |
| Rent-A-Center | 4.1 75 reviews | 5741 TN-153 | (423) 877-7200 | Visit Website |
| Rent-A-Center | 3.6 111 reviews | 4316 Brainerd Rd | (423) 624-2224 | Visit Website |
| Aaron's | 3.4 130 reviews | 5659 Brainerd Rd Ste A | (423) 553-8170 | Visit Website |
Recent reviews from rent-to-own stores in Chattanooga.
I love them. I’ve been with them for a long time. I have always rent from them and they have always treat me nice and good. They treat you like you are family and I love it so much they’re good people.
Latisha Evans
These guys in this place are so Awesome its crazy! THEY HAVE FOUND EVERYTHING THAT I WANTED SINCE I BEEN RENTING THRU THEM..EXCELLANT PRICES.NO HASSLE ! BEAUTIFUL FURNITURE!!
Inga Readus
The whole team was professional and was able to get me the furniture I needed. I had a house fire and was in need of about everything. They made it happen. Thanks to all the guys at the East Brainard Rd. store.
Jacen Baugh
I love them. I’ve been with them for a long time. I have always rent from them and they have always treat me nice and good. They treat you like you are family and I love it so much they’re good people.
Latisha Evans
These guys in this place are so Awesome its crazy! THEY HAVE FOUND EVERYTHING THAT I WANTED SINCE I BEEN RENTING THRU THEM..EXCELLANT PRICES.NO HASSLE ! BEAUTIFUL FURNITURE!!
Inga Readus
I just love Justin at the Hwy 58 store he always will try figure and work something out for you if you are having rough times! Always positive and cheerful never a dull moment with him! I wish all the managers could have an attitude like him.
Krystal Nicholson
Most stores in Chattanooga 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.
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 5 stores in Chattanooga.
Use the comparison table above to compare stores side by side, rated by customers, with products and contact info in one view.
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.
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.
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.
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.
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.
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.
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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