VRTO

Rent to Own Stores in Chattanooga, TN

Chattanooga, TN has 3 rent-to-own stores listed in the VRTO (Virtual Rent To Own) directory, updated daily from verified retailer data. Available companies include Aaron's, Buddy's Home Furnishings, Rent-A-Center. Product categories available: appliances, computers, electronics, furniture, gaming, jewelry, 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 moderately 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.

3 RTO Stores
3 Companies
4.0 ★ Avg Rating
346 Reviews

Compare 3 rent-to-own stores in Chattanooga

See ratings, products, and contact info side by side.

Compare Stores

Companies

Price Shopping Assistant

Tell us what you're looking for and we'll use AI to help you compare options across 3 stores in Chattanooga.

We're on it!

We'll put together personalized options for you and follow up shortly.

By submitting, you agree that your information may be used to provide personalized rent-to-own recommendations. We do not share your data with third parties without your consent.

No stores match your current filters.

Try adjusting your company or open now filters.

Compare Rent-to-Own Stores in Chattanooga, TN

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

Store Rating Location Phone
Buddy's Home Furnishings 4.1 142 reviews 6025 E Brainerd Rd (423) 499-2453 Visit Website
Rent-A-Center 4.4 75 reviews 4419 Tn-58 (423) 892-4982 Visit Website
Aaron's 3.4 129 reviews 5659 Brainerd Rd Ste A (423) 553-8170 Visit Website

Store Hours Today (Sunday)

0 stores open now
3 currently closed

What Customers Are Saying

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

I love this place. The young men's that work in that store are the best around town.they really work with you when it come down to your account. I know this on the real..

Samantha Cosby
Buddy's Home Furnishings

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
Buddy's Home Furnishings

The staff is very helpful and I love Brandon and Lamar they are very kind and sweet just love the whole staff

Phylesia Williams
Buddy's Home Furnishings

Buddy's experience was amazing the man at the store mr joseph was awsome welcoming helpful very welcoming he was very explainitory on every product price and details and was so the whole time definitely want to give my business

Joseph Desveaux
Buddy's Home Furnishings

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
Rent-A-Center

Hands down the best customer service I’ve ever received at a furniture store. The new team is incredibly friendly, knowledgeable, and on top of everything. The sales associate went above and beyond helping me understand all the options for the laptop I needed. Instead of trying to sell me the most expensive model, he took the time to explain the differences, answer my questions, and help me choose the perfect one for my needs. The General Manager was also extremely kind and helpful. She mentioned that most of the team is new and that they’re working hard to rebuild the store and improve customer service — and it definitely shows. The entire staff carried themselves professionally and created a welcoming environment. Two team members in the office were also great. One of them took the time to clearly explain my payment and payoff options and even helped me sign up for the program that protects you if you lose your job. Every person I interacted with was polite, patient, and genuinely helpful. I’ll admit I was a little nervous coming in because my sister previously had a really bad experience with one of their delivery drivers who was rude to her. But everyone I met in the store completely changed my view — they were amazing. I would definitely recommend having a conversation with the delivery team, but as far as the in-store staff goes, they’re doing an excellent job. Overall, I had a fantastic experience. Even though I don’t always remember names, every single person I dealt with left a great impression. Keep up the great work!

Maxine Houdy
Aaron's
Reviews from Google

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

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

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 Tennessee, stores are required to offer an early purchase option. Requirements vary by store — call ahead to confirm.

Shopping for Rent-to-Own in Chattanooga

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 Chattanooga.

Compare Stores Side by Side

Use the comparison table above to see all 3 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. Tennessee has consumer protection laws governing RTO transactions. Ask the store for a copy of your agreement before signing.

About Rent-to-Own in Chattanooga

Find rent-to-own stores in Chattanooga, TN. 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.

Browse by Category in Chattanooga

Frequently Asked Questions About Rent-to-Own in Chattanooga

Chattanooga, TN has 4 rent-to-own stores listed in the VRTO directory, operated by 4 companies: Aaron's, Buddy's Home Furnishings, RAC Acceptance, 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 Chattanooga 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 Chattanooga 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 4 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 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.