7 Best Rent-to-Own Furniture Stores (Some With No Credit Check)

Rent-to-own programs offer an option for those who need to make a big purchase now, but can’t afford to pay the whole thing at once.

However, if you’re capable of paying upfront or saving and then paying upfront, you may not want to choose a rent-to-own program. You’ll end up paying more overall leasing an item than you would buying it outright.

Below, we’ve compiled a list of major rent-to-own furniture stores, including some that don’t require a credit check.

What We Recommend

We’ve ranked FlexShopper and ColorTyme at the top of the list for their positive customer feedback, flexible payment choices, and ease of application for those with poor or no credit.

FlexShopper does obtain a credit report, but not from any of the three major credit reporting agencies. It has good customer reviews and flexible payment options, but it’s online only.

ColorTyme is a better choice if you prefer to shop in person for your furniture. It also has positive customer feedback, plus it’s a good choice for those with poor credit or no credit, as it does not perform a credit check.

Comparision Table

You can use the following table to compare the rent-to-own furniture stores, then select any store name or scroll to the list below for more details.

In comparing these retailers, we considered company reputation, flexible payment options, and credit requirements.

Below is the list of major rent-to-own furniture stores, beginning with the best options.

FlexShopper

Available items:

Furniture, appliances, smartphones, video games, computers, cameras, tires, fitness equipment, and lawn and garden equipment

Credit check requirements:

FlexShopper obtains a credit report from either Factor Trust, Inc., or Clarity Services, Inc., but not from any of the three major credit reporting agencies.

Payment options:

Payments are due weekly, but can be changed to bi-weekly or monthly. Customers also have a 90-day same as cash option, or can pay off the item early to save money.

Locations:

Online only

Delivery options:

FlexShopper ships nationwide.

ColorTyme

Available items:

Furniture, large appliances, computers, electronics, air conditioners, and fireplaces

Credit check requirements:

ColorTyme does not perform credit checks. Customers can complete an application online or in person and receive pre-approval, usually in a few minutes. The only requirements are proof of residence, income verification, and references.

Payment options:

ColorTyme offers flexible payment options with no money down, including an Early Purchase Option that can save you money if you pay off your lease early. Payments can be made online.

Locations:

Nationwide

Delivery options:

Same-day delivery typically available; free delivery offered

Rent One

Available items:

Furniture, computers, electronic equipment, large appliances, TVs, and smartphones

Credit check requirements:

No credit check required. Requirements include address, proof of income, and references.

Payment options:

Weekly or monthly payment options; online payment accepted

Locations:

Several midwestern states and Pennsylvania

Delivery options:

Free delivery and setup offered

Baber’s

Available items:

Furniture, electronics, appliances, computers, video games

Credit check requirements:

Minimum requirements include proof of income, verified residence, and three references.

Payment options:

120-day and six-month same as cash payment options; online payment available

Locations:

Alabama, Florida, Louisiana, and Mississippi

Delivery options:

Free delivery and setup; next-day delivery offered

Aaron’s

Available items:

Furniture, mattresses, electronics, and large appliances

Credit check requirements:

Minimum leasing requirements include income verification, proof of residence, and three references. While there is no credit requirement, Aaron’s will still perform a credit check to approve your application online.

Payment options:

Aaron’s offers flexible payment options, including a 120-day same as cash option at many stores (90-day in California). Payments can be made online.

Locations:

Nationwide

Delivery options:

Free delivery and setup are offered.

Conn’s HomePlus

Available items:

Furniture, appliances, TVs, electronics, computers, and home decor and accessories

Credit check requirements:

Conn’s requires a credit check for its in-store financing, store credit card, and rent-to-own programs. While a credit check is still required for rent-to-own applicants, you don’t have to have credit to be approved.

Payment options:

Consumers have a variety of options which include store credit cards, retail installment contracts, and rent-to-own. The rent-to-own program offers flexible payment options including a 90-day purchase option.

Locations:

The southern half of the United States

Delivery options:

Conn’s offers next-day delivery in its local markets. Conn’s will even haul away used furniture and appliances at any time an appointment is scheduled.