Best Rent-to-Own Companies of 2026

Not all rent-to-own companies are equal. Some offer better prices, more product selection, flexible early purchase options, or easier approval. Here’s how the top companies compare so you can choose the right one.

1. Aaron’s — Best for Furniture & Appliances

Aaron’s is our top pick for furniture and appliance rent-to-own. They offer a 90-day same-as-cash option (pay off in 90 days and pay close to retail price), a solid rewards program, and flexible lease terms. Their showrooms are well-maintained and staff are generally helpful. No credit check required.

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2. Rent-A-Center — Most Locations

Rent-A-Center has the most locations of any rent-to-own chain — over 2,500 stores across the US. If you need something today and want to walk in and pick it up, Rent-A-Center is likely to have a store near you. They offer a similar 90-day early purchase option and no credit check approval.

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3. FlexShopper — Best Online Option

FlexShopper is entirely online and ships nationwide. Their catalog includes thousands of products across furniture, electronics, appliances, and more. Approval is fast (soft pull only) and payments are auto-debited weekly. Ideal for rural areas without local RTO stores.

4. Acima — Best for Retail Store Integration

Acima partners with over 10,000 retailers — including furniture stores, auto dealers, and specialty shops — to offer rent-to-own at their checkout. You apply via the Acima app and use an approval code at participating stores. This gives you access to a much wider product selection than traditional RTO stores.