VRTO

Rent to Own Stores in Cookeville, TN

Cookeville, 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. 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
4.2 ★ Avg Rating
572 Reviews

Compare 3 rent-to-own stores in Cookeville

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Compare Rent-to-Own Stores in Cookeville, TN

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

Store Rating Location Phone
Buddy's Home Furnishings 4.7 371 reviews 768 S Jefferson Ave (931) 528-9158 Visit Website
Rent-A-Center 4.2 106 reviews 425 S Jefferson Ave (931) 528-3944 Visit Website
Aaron's 3.6 95 reviews 120 S Willow Ave Ste B (931) 528-1939 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 Cookeville.

Great promos and customer service. Delivery guys were super helpful and professional.

Shelley Crockett
Buddy's Home Furnishings

Went to Buddy's in Cookeville TN and went to see David and he hooked me up with new PS5 and VR also. He made me a sweet package deal for both! Go see him if you need any deals on anything!!

Donnie Allen
Buddy's Home Furnishings

David was very professional and exceeded our expectations! We needed a washer and dryer and only had the dryer so he personal make a call to another store and was able to have it delivered the next day!

jacob Spence
Buddy's Home Furnishings

Amy was very friendly,and kind she showed me the couch, and love seat that I bought todày which was beautiful ,,decent price, beautiful color she really helped me out if u go to the Cookeville Tn office she will take care of ya and u will fall in love with there furnoture

Tina Myers
Buddy's Home Furnishings

I have bought two sets of washer and dryers , a mattress set a double door stainless fridge , two large tvs , and a curved tv and have always been treated great . Rick is the absolute best . We have been customers for a many years and have bought many things from him and he has always done right by us. Couldn’t ask for a better place to get the things you need when you can’t go out and buy them straight out .

Melodie Taylor
Rent-A-Center

My first time renting any household item and I am pleased to say the least! Staff have much courtesy with customers! My sofa arrived on time and we’re so kind when they arrived. Prices are AMAZING! Beautiful items!

Desirae Sparks
Rent-A-Center
Reviews from Google

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

Most stores in Cookeville 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 Cookeville

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 Cookeville.

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.

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.

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Browse by Category in Cookeville

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Frequently Asked Questions About Rent-to-Own in Cookeville

Cookeville, TN has 3 rent-to-own stores listed in the VRTO directory, operated by 3 companies: Aaron's, Buddy's Home Furnishings, 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 Cookeville 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 Cookeville 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 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 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.