Aaron’s Rent-to-Own Review (2026): In-Store and Online Leasing
Aaron’s is one of the oldest and most trusted rent-to-own companies in the United States, with over 1,300 stores nationwide and a growing online platform. This review covers Aaron’s approval process, costs, product selection, and who it is best for in 2026.
ApprovalForAll Verdict
4.0 / 5
Aaron’s is a solid choice for rent-to-own shoppers who want the option to shop in-store or online. Monthly payment terms and a strong brand-name catalog make it stand out. Approval is easy with only a soft credit check. Total costs can be high at full term, so use the early purchase option when possible.
Aaron’s at a Glance
| Credit Check | Soft inquiry only (does not affect score) |
| Approval Time | Same day (in-store) or within hours (online) |
| Payment Frequency | Monthly (some locations offer weekly) |
| Product Categories | Furniture, electronics, appliances, computers |
| Number of Stores | 1,300+ across the U.S. |
| Early Purchase Option | Yes, available anytime during lease |
| Delivery and Setup | Free at most locations |
How Aaron’s Works
Aaron’s uses monthly lease agreements. You choose an item in-store or online, select a lease term (typically 12 or 18 months), and make monthly payments. You own the item outright at the end of the lease or can buy it early at any time.
Unlike some competitors, Aaron’s does a soft credit check rather than no check at all, but this does not impact your credit score. Approval is generally straightforward even with poor credit history.
Aaron’s Pros and Cons
- 1,300+ physical store locations
- Brand-name furniture, electronics, and appliances
- Free delivery and setup
- Early purchase option available anytime
- Monthly payments (not weekly)
- Soft credit check (not a true no-check)
- Higher total cost versus retail at full term
- Limited product availability varies by location
- Some fees for early termination
Aaron’s Fees and Costs
| Application Fee | None |
| Delivery and Setup Fee | Free at most locations |
| Monthly Payment | Varies by item and location |
| Early Purchase Discount | Yes — available anytime |
| Late Payment Fee | Yes — per your lease agreement |
| Total Cost (full term) | Typically 1.4x–1.8x retail price |
Who Should Use Aaron’s?
Aaron’s is best for shoppers who want to see products in person before leasing, prefer monthly over weekly payments, or need same-day delivery. It is also a strong choice for furniture and appliance shoppers who want brand-name options like Samsung, Whirlpool, and Ashley Furniture.
Aaron’s Alternatives
For online-only shopping, consider FlexShopper. For same-day pickup at thousands of locations, Rent-A-Center is a top choice.