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HomeHow RAC Works
How Rent-A-Center Works
Are you in the market for the latest items for your home, but not sure they’re in your budget? Is using a credit card not an option? Ever feel like you’re missing out on the “next big thing” because you’re still stuck paying for the old thing? Welcome to Worry-Free Shopping at Rent-A-Center.

Read on to find out how easy we make it to get the Furniture (bedroom, living and dining rooms), Electronics (TVs, home theater systems and gaming systems), Appliances (refrigerators, washers and dryers, freezers, ranges and A/C units) and Computers (desktops, laptops and even tablets) you want – without credit, without risk and without worry. Ever. Guaranteed.

What’s more: As the premier provider of rent-to-own home items, we do it better than everybody else. And we have more than 3,000 stores throughout the United States, Puerto Rico, Canada and Mexico – to prove it.
What is Rent-To-Own?
In today’s economy, having flexibility in how you spend your money is key to staying within a budget, while still enjoying the good things your family deserves. But that’s not something big-box retailers can give you.

At Rent-A-Center, we can. With Worry-Free Shopping, we guarantee you have the freedom to get the same brand-name items you’ll find in other stores – but without ever having to rely on credit or a store’s financing program. And, you get easy approval with No Credit Needed!

You just pick your product and pay a little at a time as you go, with no long-term contract. And if you ever need to, you can return your item and owe nothing more – then restart whenever you want. You can pay off your item early, if you wish, which saves you money. Delivery, set-up and service are even included at no extra charge, so your money stretches even further.

And if you’d rather pay cash for your items, you can do that at Rent-A-Center, too!
Worry-Free Guarantee™
Simply put, Rent-A-Center gives you the flexibility to shop worry-free and get what you want without having to wait. And thanks to RAC’s Worry-Free Guarantee*, you can have 100% peace of mind – every time – because of benefits like these!
► Easy Approval
► Top-of-the-Line Brands and Models
► No Credit Checks
► No Long-Term Commitment
► Upgrade to a Newer Model at Any Time
► Return Your Item and Pay Nothing More
► Start Again Whenever You Want
► Delivery, Set-up & Service at No Extra Charge
► Loaner Items While Repairs Are Being Made
► Flexible Financing Options
90 Days Same As Cash
Payment Plans from 39 weeks up to 104 weeks
Early Purchase Option
► Easy Payment Options
Online, On the Phone or In the Store
Automatic Bill Pay (in some stores)
► No Surprise Fees
► Customized Payment Plans (weekly, bi-weekly or monthly)
Learn more about our Worry-Free benefits in Why Rent-A-Center.
Worry-Free Guarantee Terms and Conditions:
Delivery and set-up are included and RAC services and maintains the merchandise while on rent or in NJ for duration stated on agreement; set-up does not include connection of gas appliances. For model upgrades, simply return the product you are currently renting and open a new agreement for another model. To restart an agreement on a returned product, Rent-A-Center will retain your payment records for two years. Thereafter, simply bring in your last payment receipt for reinstatement.
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