Rent to Own Store - Furniture, Appliances, TVs, Phones, Computers

Frequently Asked Questions

Here's the thing: you pick what you need, take it home today, and make small payments—weekly, biweekly, or monthly. Your call. Once you've made all your payments (or you decide to pay it off early), it's yours. No waiting. No credit hoops to jump through.

It's that simple.

Nope. Not even close.

Ace Rent To Own isn't a loan. It's not financing. You're not borrowing money or racking up debt. You're leasing the furniture or appliance with the option to own it when you're done paying. No credit card required. No loan approval process. Just a straightforward agreement between you and us.

No credit? No problem.

Honestly, we don't run credit checks. (I know—refreshing, right?) Approval is based on income and your ability to make payments. That's it. If you've got steady income, you're probably good to go.

Life happens. We get it.

If you miss a payment, just call your local Ace Rent To Own store right away. Most of the time, we can work something out—grace periods, payment adjustments, or even letting you return the item without penalty if that's what you need. The key is communication. Don't ghost us.

Yes. And you should.

Most agreements come with an early purchase option, which means you can settle up early and pay less than the full contract price. It's a win if you come into some extra cash or just want to own it outright sooner. Trust me, it's worth asking about.

Depends on your payment schedule and the agreement you choose. Could be a few months. Could be up to 24 months. But here's what matters: you're in control. Pay it off faster if you want. Stick to the schedule if that works better. Either way, you know exactly where you stand.

Same-day or next-day, usually.

Look, when you need a couch or a fridge, you need it now—not two weeks from now. Ace Rent To Own gets that. Delivery speed depends on what you're getting and where you are, but we move fast. Because waiting around for furniture? Brutal.

Yep. Free delivery. Free setup.

We bring it in, set it up, haul away the boxes. Some stores even offer free relocation if you move. (And yeah, that's a thing.) You don't lift a finger.

Both.

Ace Rent To Own carries brand-new merchandise and preleased items. Preleased just means someone rented it before—it's been inspected, cleaned, and discounted. If you want new, you can get new. If you want to save some money on a gently used piece, that's an option too.

Name brands you actually recognize.

We're talking quality furniture, electronics, appliances, mattresses—stuff you'd buy at a regular store. Selection varies by location, but you're not settling for junk. You're getting the real deal.

Call us. We'll fix it or replace it. Free.

That's part of the agreement. If something breaks during your rental period, Ace Rent To Own handles it. No repair bills. No runaround. Just contact your store and we'll take care of it.

Yes.

Items are covered during the rental term, and many also come with manufacturer warranties. So you're protected on multiple fronts. It's one less thing to worry about.

Anytime. No penalty.

This is where rent-to-own really shines. If your situation changes—you lose a job, you move, whatever—you can return the item without owing future payments. No collections. No hit to your credit. You just bring it back and you're done.

Flexibility like that? It's a game-changer.

Usually, yes.

Most Ace Rent To Own stores offer a reinstatement period—often up to six months—where you can pick up where you left off on the same item or something comparable. Life threw you a curveball, you returned the couch, things stabilized, and now you want it back. We get it. And we'll work with you.

Yes. Let's be honest.

Rent-to-own costs more than paying cash up front. But here's what you're getting: flexible payments, no credit needed, free delivery and setup, free repairs, and the ability to return items if life goes sideways. For a lot of people, that trade-off is worth it. You're not just paying for the furniture—you're paying for flexibility and peace of mind.

Because credit cards come with risk.

With a credit card, you're taking on debt. Interest piles up. Miss a payment and your credit score tanks. And if you can't pay it off? You're stuck with that balance for years.

Ace Rent To Own is different. Predictable payments. No interest charges. No debt. And if something changes, you can return the item without long-term financial fallout. It's a safety net that credit cards don't offer.

Just let us know.

Contact your Ace Rent To Own store. Many locations offer relocation services or can transfer your agreement to a store near your new place. Moving is stressful enough—we'll make this part easy.

Yep.

You can browse inventory and apply online. Then your nearest Ace Rent To Own store handles the delivery and setup locally. It's the convenience of online shopping with the support of a local team. Best of both worlds.

Yes.

Ace Rent To Own typically requires proof of steady income and a valid ID. It's not about your credit history—it's about making sure you can handle the payments. Bring a recent pay stub or bank statement and you're usually good to go.

Absolutely.

Depending on your income and approval, you can rent a whole living room set, a bedroom set, and a washer-dryer combo all under one agreement. Need to furnish an entire apartment? Ace Rent To Own can help you do it without dropping thousands of dollars up front.