VRTO

Rent to Own Stores in Knoxville, TN

Knoxville, 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, Rent-A-Center, Smart Way. Product categories available: appliances, computers, electronics, furniture, gaming, jewelry, mattresses, smartphones. With a population of 190,740 and a median household income of $44,078 (Source: US Census Bureau, American Community Survey), Knoxville 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
4.1 ★ Avg Rating
900 Reviews

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Compare Rent-to-Own Stores in Knoxville, TN

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

Store Rating Location Phone
Smart Way 4.7 534 reviews 8416 Kingston Pike (865) 328-4242 Visit Website
Rent-A-Center 3.8 127 reviews 5018 Clinton Hwy (865) 688-9390 Visit Website
Aaron's 3.9 239 reviews 2605 N Broadway (865) 544-1135 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 Knoxville.

⭐️⭐️⭐️⭐️⭐️ Justin did an amazing job from start to finish! The delivery was fast, smooth, and right on time. The team was extremely professional, friendly, and very helpful during installation. They made sure everything was set up properly and answered all my questions without rushing. You can tell they really care about their customers and their work. I highly recommend Smart Way for anyone looking for great service and an awesome delivery experience!

Mercedes Mitchell
Smart Way

I have to say the process to rent to own from this company is super easy and if you keep up with payments it will pay off early. First time was an emergency . Summer 2025 during a thunderstorm our tv blew and Smartway was the first place i had called and they were very helpful and I didnt have to go in at all. they did everything over the phone which is convenient for me since i work 2 jobs and dont have time to stop in. i just recently got a washer and dryer set being delivered tues. Again it was a painless process over the phone. I recommend trying Smartway for your RTO needs. You can also pay off early if you want and then it will be yours.

Sher Bear
Smart Way

Justin is always a big help he is really good he makes sure that his customers are very happy he works with you. This is like 10 items I have done got from him I will always be coming back. If you all need anything please check them out .

Jerry Pitts
Smart Way

Justin is so amazing to work with, he went above and beyond the day before Thanksgiving to make sure we received an amazing refrigerator just in time! I highly recommend if you need a good company to work with you on payments and getting what you need in a timely manner!

Candy Mclemore
Smart Way

I went into the store and met the general manager he was so kind and told him what I needed for my house and filled out the application, approved and picked out my furniture paid it the next day they delivered on Friday this is an awesome business they are kind considerate and very professional their product is very high grade Ashley furniture products and more very beautiful I'm very impressed I'm paying off my living room furniture and will be buying more from SmartWay. Thank you I love my items 😊

Jamie Lynn Mitchell
Smart Way

Ricky is absolutely amazing!!!! He helped us with everything we needed and he corrected the issues that another location caused! Will definitely recommend requesting him any time you go to purchase anything from rent a center.

Angel Brewer
Rent-A-Center
Reviews from Google

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

Most stores in Knoxville 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 Knoxville

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 Knoxville.

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 Knoxville

Find rent-to-own stores in Knoxville, 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.

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Browse by Category in Knoxville

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Frequently Asked Questions About Rent-to-Own in Knoxville

Knoxville, TN has 4 rent-to-own stores listed in the VRTO directory, operated by 4 companies: Aaron's, RAC Acceptance, Rent-A-Center, and Smart Way. 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 Knoxville 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 Knoxville 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.