Rent-A-Center Review (2026): No Credit Check, Same-Day Pickup
Rent-A-Center is the largest rent-to-own chain in the U.S. with over 2,000 stores. It offers same-day pickup and next-day delivery on furniture, electronics, and appliances with no credit check required. Here is our full 2026 review.
ApprovalForAll Verdict
3.9 / 5
Rent-A-Center is the best option for shoppers who need something fast — many items are available for same-day or next-day delivery. No credit check required. The downside is the highest total cost of ownership among the three major RTO providers. Always aim to use the early purchase option.
Rent-A-Center at a Glance
| Credit Check | None required |
| Approval Time | Instant (in-store) or same day (online) |
| Payment Frequency | Weekly (some locations offer monthly) |
| Product Categories | Furniture, electronics, appliances, tires |
| Number of Stores | 2,000+ across the U.S. |
| Same-Day Availability | Yes, at most locations |
| Delivery and Setup | Available, free at most stores |
How Rent-A-Center Works
Rent-A-Center uses weekly lease agreements. You visit a store, choose an item, and begin weekly payments. You can return the item at any time with no penalty, and you can purchase the item early at a discounted price.
Because Rent-A-Center does not require any credit check, approval is essentially guaranteed as long as you have a valid ID, proof of income, and a checking account or debit card.
Rent-A-Center Pros and Cons
- No credit check at all
- 2,000+ store locations
- Same-day pickup available
- Return anytime — no penalty
- Covers repairs during lease term
- Highest total costs among major RTO providers
- Weekly automatic payments
- Limited online-only shopping experience
- Product selection varies by store location
Rent-A-Center Fees and Costs
| Application Fee | None |
| Delivery Fee | Free at most locations |
| Weekly Payment | Varies by item |
| Early Purchase Discount | Yes — available after 90 days |
| Late Payment Fee | Yes — per your rental agreement |
| Total Cost (full term) | Typically 1.8x–2.5x retail price |
Who Should Use Rent-A-Center?
Rent-A-Center is best for people who need an item immediately — today or tomorrow — and cannot qualify for any other financing. It is also useful for those who are uncertain about their budget and want the flexibility to return the item if needed.
Rent-A-Center Alternatives
For lower total cost with online shopping, try FlexShopper. For monthly payments and brand-name selection, Aaron’s is a strong alternative.