VRTO

Rent to Own Stores in Memphis, TN

Memphis, TN has 4 rent-to-own stores listed in the VRTO (Virtual Rent To Own) directory, updated daily from verified retailer data. Available companies include Aaron's, Bestway Rent To Own, Premier, Rent-A-Center. Product categories available: appliances, computers, electronics, furniture, gaming, jewelry, mattresses, smartphones. With a population of 633,104 and a median household income of $41,228 (Source: US Census Bureau, American Community Survey), Memphis 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.

4 RTO Stores
4 Companies
4.0 ★ Avg Rating
525 Reviews

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Compare Rent-to-Own Stores in Memphis, TN

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Store Rating Location Phone
Premier 4.0 132 reviews 3425 Austin Peay Hwy (901) 755-9555 Visit Website
Bestway Rent To Own 4.4 187 reviews 4691 Knight Arnold Rd (901) 362-2480 Visit Website
Rent-A-Center 4.3 36 reviews 4005 Jackson Ave (901) 377-8300 Visit Website
Aaron's 3.7 70 reviews 1300 Getwell Rd (901) 744-3089 Visit Website

Store Hours Today (Sunday)

0 stores open now
6 currently closed

What Customers Are Saying

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

Hey my name is Brittney me and my husband love how Ms.Amanda do business she very professional also have great customer service thanks again best way.

Brittney Boyd
Bestway Rent To Own

Great customer service! They are always willing to find you not only the best deal but what you want. I wanted a black stove and they only had white at the time. The team on Knight Arnold not only got me what I wanted but did it in less than a week. Amanda and the team are always willing to work with you in every way!

Pamela Williams
Bestway Rent To Own

Mr Anthony, that work at the rto location on knight Arnold, is the truth!!! He brought the furniture into the house by himself and he did everything to make sure everything was in top condition, including taking the door off the hinges….. I’m so grateful for that!!! HE NEEDS A RAISE

Jasmine Jones
Bestway Rent To Own

Anthony And Duke Where Really Good Respectable Workers And Nice I Do Recommend These 2 Guys

Atlantis Mcdowell
Bestway Rent To Own

They never harassed me when I had death in my family. I ask them to pick up on a certain day but the emergency came in on that Friday so they waited until that Monday without harassment. Ms Amanda & Mr. Terrance has great management skills. I will return to there store to do business later

Debra Dawson
Bestway Rent To Own

Bestway Furniture offers a fantastic selection of stylish and affordable pieces that can elevate any home. Their range includes everything from contemporary sofas to elegant dining sets, catering to various tastes and preferences. Customers often praise the quality of the materials used and the comfort of the furniture, making it suitable for everyday use. Additionally, their customer service is very responsive and helpful, ensuring a smooth shopping experience. Overall, Bestway Furniture is a great choice for anyone looking to enhance their living space without breaking the bank. Kesha is the best, she made my experience so easy and simple. Her staff is always friendly and eager to help

Ebony Phillips
Bestway Rent To Own
Reviews from Google

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

Most stores in Memphis 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 Memphis

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 4 stores in Memphis.

Compare Stores Side by Side

Use the comparison table above to see all 4 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 Memphis

Memphis has 6 rent-to-own stores serving the largest city on the Mississippi River in Tennessee. The city's logistics hub economy and diverse workforce make RTO stores here competitive on pricing and delivery. Tennessee's Rental-Purchase Agreement Act requires clear written agreements and gives consumers the right to return merchandise at any time without penalty.

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 Memphis

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Frequently Asked Questions About Rent-to-Own in Memphis

Memphis, TN has 4 rent-to-own stores listed in the VRTO directory, operated by 4 companies: Aaron's, Bestway Rent To Own, Premier, 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 Memphis 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.

Memphis heavy rainfall and aging road infrastructure create persistent pothole conditions, increasing tire replacement demand. Local RTO tire providers in Memphis offer flexible payment options that help drivers maintain safe tires year-round without large upfront costs.

Rent-to-own stores in Memphis 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.

Memphis has a median household income of $41,228 and a poverty rate of 24.6%. RTO provides an accessible path to household essentials without credit checks. The one of the highest RTO utilization rates per capita in the Southeast, driven by affordability needs makes RTO a practical option for many local residents.

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.

The Memphis metro area (1.3 million residents) has one of the highest RTO utilization rates per capita in the Southeast, driven by affordability needs. With humid subtropical with hot summers and occasional ice storms in winter, local RTO stores tailor their inventory to meet specific community needs across all product categories.

RTO total cost in Memphis typically ranges from 1.5x to 2.5x the retail cash price, paid over 12-24 months. Under Tenn. Code Ann. 47-18-301 through 47-18-310, Tennessee dealers must disclose the total cost upfront. Early purchase options can significantly reduce the total amount paid.

Memphis experiences humid subtropical with hot summers and occasional ice storms in winter, which shapes local RTO demand. Living room furniture, appliances like washers and refrigerators, and electronics are consistently popular. The 53.7 inches of annual rainfall also drives demand for reliable transportation items including tires.

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.