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Rent to own stores in Cookeville, Tennessee

3 rent-to-own stores serve Cookeville, TN, and 3 of them are open right now.

Every store below shows its address, its hours, and its Google rating, so you can call one before you drive over. Most do not run a credit check.

Looking for sheds and portable buildings? 4 companies in the Cookeville area serve Cookeville

Stores

The 3 rent-to-own stores in Cookeville, TN

Every row carries the store's address, hours, phone number, and its Google rating, so you can call one today.

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3 stores shown · sorted by relevance

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Compare 3 rent-to-own stores in Cookeville

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

Compare Stores

Compare Rent-to-Own Stores in Cookeville, TN

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

Store Google rating Location Phone Links
Buddy's Home Furnishings 4.7 402 reviews 768 S Jefferson Ave (931) 528-9158 Website: Buddy's Home Furnishings, 768 S Jefferson Ave
Rent-A-Center 4.2 105 reviews 425 S Jefferson Ave (931) 528-3944 Website: Rent-A-Center, 425 S Jefferson Ave
Aaron's 3.6 100 reviews 120 S Willow Ave Ste B (931) 528-1939 Website: Aaron's, 120 S Willow Ave Ste B

What customers are saying

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

David is an absolute gem! They’re incredibly accommodating and work tirelessly to ensure your satisfaction. They’re genuinely amazing people who go above and beyond to make your vision a reality.

Avioniaa
Buddy's Home Furnishings

Had a great experience awesome deals and great service any questions we had where answered anyone looking to get anything for there homes yall ask for David

Elisabeth
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

David was great! Very helpful and friendly! Go see him for a great deal!

Heather Hendley
Buddy's Home Furnishings

Mr. David was an amazing help, we are new to the area and we’re needing to find something new for our new home! He was outstanding and went above and beyond helping!! Will definitely be recommending him and the store !

Armanie smith
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
Reviews from Google
Cookeville, TN

What renting to own in Cookeville looks like

3 rent-to-own stores serve Cookeville, TN, from 3 companies.

Stores here include Buddy's Home Furnishings (768 S Jefferson Ave), Rent-A-Center (425 S Jefferson Ave), Aaron's (120 S Willow Ave Ste B).

Tennessee regulates rent-to-own under Tennessee Rental-Purchase Agreement Act. The law gives you an early purchase option (Consumer may purchase the property at any time by paying 60% of the remaining periodic payments plus any past-due amounts.), required written disclosure of the cash price, total cost, and payment count before you sign.

How it works here

Most stores don't require a traditional credit check. Approval is typically based on proof of income, a valid ID, and proof of residence, often the same day.

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

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 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 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.

Tennessee law

What Tennessee law gives you before you sign

Tennessee regulates rent-to-own under Tennessee Rental-Purchase Agreement Act, and the rules are the same at every store in the state. Before you sign, the store has to put the cash price, the total cost to own the item, and the number of payments in front of you, so the real number is never buried in the fine print. Rent-to-own is a lease and not a loan, so there is no interest rate, and returning the item does not go on your credit.

This is a plain summary, not legal advice. Read your own agreement and confirm the terms with the store.

Tennessee Rental-Purchase Agreement Act Tenn. Code Ann. §§ 47-18-701 to 47-18-714
Disclosure requirements Must disclose total number and amount of payments, total cost, cash price, payment schedule, description of property, and the early purchase...
Early buyout rights Consumer may purchase the property at any time by paying 60% of the remaining periodic payments plus any past-due amounts.

Nearby cities

Crossville (3) Memphis (14) Clarksville (7) Knoxville (7) Nashville (6) Chattanooga (5) Jackson (4) Kingsport (4)
All rent-to-own stores in Tennessee

Categories in Cookeville

Furniture(3) Appliances(3) Electronics(3) Computers(3) Mattresses(3) Smartphones(2) Gaming(2)

Counts are the stores in Cookeville carrying that category. A category no Cookeville store carries is not listed.

Renting to own in Cookeville, answered

There are 3 rent-to-own stores in Cookeville, TN, from 3 companies: Aaron's, Buddy's Home Furnishings, Rent-A-Center. Confirm important listing details directly with the retailer.
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 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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