Rent to own appliances provide quick lease access to essential household items with no stress of upfront cost and you will pay back monthly.
Opting for lease-to-own offers flexibility and convenience, allowing you to access appliances without a large upfront payment hence, a solution if your budget cannot cover for what you want to purchase.
You can enjoy a lot more savings when you utilize the early purchase option offered by most of the providers and you should strive to close out the payment early to avoid paying too much on contract fees.
Best Rent to Own Appliance Stores
Here below are the best online stores where you can lease to own appliances:
TOP 3 PICKS
Amazon Monthly
- Offered by Amazon hence, access to varying products
- Though not directly a rent to own appliance service, you can buy and spread payments up to 4 months
- It is totally an interest-free financing option
- You may be eligible if you shop on Amazon regularly
- Available on select products
Abunda
- Lease to own any appliance on Amazon
- No limitations, use it to buy any product on Amazon
- You can get up to a shopping credit of $4,000
- Select Acima as your payment method when making a payment
- You can also checkout with Klarna and PayPal Pay in 4
- It offers a very fast delivery, usually within 3 days
- Acima’s 90-day early purchase option charges just a $75 – $95 fee
Best Buy
- Best Buy has an amazing collection of home appliances and electronics
- You can be approved for credit of up to $2, 500
- Select the Progressive option when you are ready to checkout
- You may be eligible to get its store credit card which offers more benefits
- You can pick it up from its store hence, could be faster to get your product
Amazon Monthly
Lease with
Varies
Rating
Tip: Amazon monthly payment is a convenient financing option that allows eligible customers to spread the cost of purchases over time which can go up to 120 days on a monthly repayment model.
The Amazon monthly payment is not a rent-to-own service per se but for its duration and no interest cost to you, this is one you should be interested in if you shop on Amazon regularly.
It presents an amazing opportunity to purchase your favorite items and spread the total cost across manageable monthly installments, with the initial down payment due on the first day.
However, it’s important to note that not all items are eligible for financing through Amazon’s monthly payment option, as they must fall within the designated category of qualifying products.
What sets this option apart is its utilization of the pay-in-4 model, which distinguishes it from conventional split-payment services that can be used on Amazon. Unlike those, this method will not deduct payments from your chosen payment method on a bi-weekly basis; instead, it charges you every 30 days.
If you qualify for this service on Amazon, you can acquire products and gradually pay for them in four installments over a span of up to 120 days.
Interestingly, the Amazon monthly payment option is interest-free, making it accessible to select customers who are regular users of the platform, and can only be utilized for items that meet the criteria for qualification.
Abunda
Lease with
Acima
Rating
Tip: Abunda is a gateway that enables you to lease to own appliances on Amazon. All its products are aggregated from Amazon and you can also copy any Amazon product link and paste it into Abunda to purchase it.
If you have ever wanted to lease to own products on Amazon then, your solution is Abunda.
The platform provides an amazing tool that aggregates products from Amazon and makes them available to buy now and pay later through PayPal Pay in 4 and Klarna.
Through its integration with Acima, you can rent to own appliances seamlessly at checkout when you select this payment method.
When you visit the Abunda website, you will see a shopping interface with a product catalog. Since all the products are aggregated from Amazon, it means that your ordered appliances will be delivered from the Amazon warehouse since the platform does not maintain any physical inventory.
While you can directly search for the item you want on its portal, it provides an interesting tool to make shopping for your preferred product you found on Amazon very easy.
Simply copy the product link on Amazon and paste it into the search field on Abunda. Once you submit this, the appliance will be added to the Abunda inventory and you will be able to request it on lease-to-own terms.
The requirements demand that you have active employment with at least an income of $750 on a monthly basis within the last three months before you will be eligible for Acima financing.
To rent to own appliances on Amazon through Abunda, you can follow the below processes:
- Navigate to the Abunda website and either search for the desired product or copy and paste the Amazon link into the Abunda search bar
- Add the product to your cart and proceed to the checkout page.
- Choose the “Pay with Acima” option, which will redirect you to a page where you’ll need to provide some information
- After your application is approved, your order will be generated.
- Abunda will coordinate the purchase of the item from Amazon and arrange for delivery to the address you specified on the delivery form
Best Buy
Lease with
Progressive
Rating
Tip: Best Buy is a popular destination for consumer electronic items and provides rent to own appliance financing through Progressive.
Best Buy is one of the largest and most recognizable electronics and appliance retailers with a diverse selection of products, ranging from cutting-edge technology to household appliances and home entertainment systems.
At Best Buy, you have the opportunity to explore the convenience of the rent to own appliance program it provides through its leasing partner.
Progressive Leasing, the rent-to-own company extends financing options for a diverse range of products available in Best Buy’s extensive inventory.
This program covers a selection of products, including electronics, appliances, furniture, and more, offering you flexibility in acquiring the items you need.
Just like every Progressive merchant, you can become eligible for this program by providing a few key documents.
Firstly, a valid government-issued ID is required, to ensure a smooth application process. Additionally, proof of income will be requested.
It is important to note that while a credit check may be a part of the application process, having no credit history will not hinder your eligibility.
Once you receive approval for the program, you’ll proceed to sign a lease agreement, which carefully outlines the terms and conditions.
Typically, you will embark on a 12-month journey, making monthly payments to acquire the product of your choice.
This partnership between Best Buy and Progressive Leasing provides an accessible pathway to obtain the products you desire, with flexible terms designed to accommodate your needs and preferences.
Whether it is upgrading your electronics or enhancing your home with new furniture or appliances, this program offers an accessible solution for a variety of shoppers.
Wayfair
Lease with
Acima, Katapult
Rating
Tip: Wayfair is an e-commerce company that sells furniture, home goods, and other home-related products. It also has appliances in its inventory that you can lease to own using Acima and Katapult.
Wayfair is a prominent online retailer known for its vast inventory of furniture and home goods, offering an extensive array of products to cater to a wide range of home decor and furnishing needs.
It offers a financing option that allows you to spread the cost of your purchases over time. This payment plan provides flexibility if you are looking to make larger purchases from the company.
Wayfair financing is made possible through partnerships with several providers, including Affirm, Bread Financial, Citizens Pay, Acima, and Katapult which are available for select products within its catalog.
The interest rate associated with Wayfair financing can vary based on several factors, including the selected product, your credit score, the chosen payment method, and the length of the financing term.
However, its rent to own appliance purchases are financed through any of Acima leasing or Katapult. Both are available to you when making payments and you should select any of them to apply for a lease-to-own contract.
Lowes
Lease with
Progressive
Rating
Tip: Lowe’s provides rent to own appliance program that allows you to purchase a product over time with monthly payments through Progressive Leasing.
Lowe’s is a popular retail chain specializing in home improvement and appliance products serving a broad customer base, including homeowners, contractors, and do-it-yourself enthusiasts.
The company offers an extensive range of products that includes building materials, tools, appliances, outdoor equipment, and home decor items from a diverse selection of brands.
For its rent to own appliance option, it gives you the opportunity to lease to own any products within its inventory provided it is within the price range of not more than $2, 500 but your cart must be worth a minimum of $150.
This rent to own appliance option is made available in partnership with Progressive Leasing and it applies to specific items at participating Lowe’s locations or via its online portal.
To qualify for the program, you will need to meet certain criteria. You should have a valid government-issued ID and provide proof of income.
It’s important to note that while a credit check will be conducted, having no credit history is not an obstacle.
Once you’re approved for the program, you will proceed to sign a lease agreement that outlines the terms and conditions. Typically, you’ll make monthly payments over 12 months.
At the end of this lease term, you will have two choices: you can decide to purchase the product for the remaining balance, or if your circumstances have changed, you also have the option to return the item.
Bed Bath & Beyond
Lease with
Progressive
Rating
Tip: Bed Bath & Beyond sells home goods, including bed linens, bath products, kitchenware, and home decor. Through its support for Progressive Leasing at checkout, you can rent to own appliances in its collections.
Bed Bath & Beyond is another well-known destination recognized for its extensive offerings in the home goods sector. It has built a reputation for being a go-to destination for a wide range of products designed to enhance and beautify one’s living spaces.
Kitchenware is one of the areas of focus for Bed Bath & Beyond as it offers an impressive assortment of cookware, kitchen gadgets, small appliances, and dining sets, making it a convenient stop for both seasoned chefs and those looking to enhance their culinary experiences.
Through its support for checkout with Progressive Leasing, you can seamlessly get any of the appliances on rent-to-own terms and pay for them back conveniently on a monthly basis.
Within its product portfolio, Bed Bath & Beyond also has a wide selection of bed linens, offering a variety of sheets, comforters, and bedding accessories to suit different styles and preferences.
Additionally, the store boasts an array of bath products, including towels, shower curtains, and bathroom accessories, providing you with options to elevate your personal spaces.
Moreover, Bed Bath & Beyond features a selection of home decor items that cater to various aesthetics, and the reason it made our list of top online stores to consider when you want to rent to own furniture items.
Appliance Connection
Lease with
Progressive
Rating
Tip: Appliance Connection offers a broad range of products for various home needs and through Progressive, you can lease to own appliances of your choice from its catalog.
Appliance Connection is an online retailer of appliances offering a wide variety of products from major brands, including refrigerators, dishwashers, ranges, ovens, washers, and dryers.
This platform often carries products from well-known brands and provides you with a variety of choices to suit your preferences and budgets. This can include both premium and budget-friendly options.
When it comes to financing, Appliance Connection provides multiple options including being one of the merchants that accepts PayPal Pay in 4 and it also supports Citizens Pay as one of its buy now pay later providers.
Through Progressive, you can rent to own appliances from its extensive inventory of items that includes an amazing collection of products from several brands.
Curacao
Lease with
Acima
Rating
Tip: Curacao is an online retailer that offers a wide variety of products, including electronics, furniture, appliances, jewelry, and more. Through Acima, you can rent to own appliances on its portal.
Curacao offers you an extensive online shopping experience, featuring a wide range of products, from electronics and furniture to appliances and jewelry.
It is one of the online stores that supports product financing through Acima if you want to lease to own items allowing you to complete your Curacao purchases, with financing available for amounts up to $4,000.
During your checkout process, simply select Acima as your preferred payment method. This choice empowers you to tailor the payment terms that best suit your financial situation, ensuring a flexible and convenient shopping experience.
The platform also allows financing through its store credit card and you may be eligible for that as well when shopping on its portal.
LeaseVille
Lease with
Varies
Rating
Tip: LeaseVille provides a shopping interface that allows you to rent to own appliances from its virtual inventory as it ships through third-party retailers.
LeaseVille is an online retail company that offers lease-to-own options for a wide variety of products, including electronics, appliances, furniture, home improvement items, and more.
Their rent to own appliance service provides flexible payment options, allowing you to choose from weekly, bi-weekly, or monthly payments to suit your budget.
Its product catalog is extensive and includes items such as refrigerators, microwaves, cookers, and many other home appliances.
Operating primarily as an online retailer, LeaseVille provides a convenient platform for you to browse and shop for products directly on their website, simplifying the ordering and application process.
Its product catalog is extensive and includes items such as refrigerators, microwaves, cookers, and many other home appliances.
Operating primarily as an online retailer, LeaseVille provides a convenient platform for you to browse and shop for products directly on their website, simplifying the ordering and application process.
In terms of its requirements, you must have a monthly income of at least $2,000 before you can qualify for its rent to own appliance offers.
This minimum income adds to its mandatory active employment and you should be able to provide evidence when making your first application.
Just like other providers, your credit score is not mandatory hence, you might be able to buy its products on lease-to-own terms with a poor credit standing.
Aarons
Lease with
EZPay
Rating
Tip: Aarons allows you to rent to own appliances of your choice through its online portal as well as its physical outlets.
Aaron’s is a popular retailer that specializes in providing you with rent-to-own services for various household items, electronics, furniture, and more.
This company has a good physical presence across many communities hence, a good option if you prefer a store visit.
Aaron’s extensive product catalog covers a wide array of categories, including living room and bedroom furniture, home appliances, electronics, and even computers.
To initiate your request, begin online by selecting your preferred home appliance and proceeding to the checkout page.
During this process, you will be required to provide some necessary information. Through the company’s proprietary EZPay system, you will also need to link your credit card to confirm the order.
Typically, there is an initial down payment, which may range from $70 to $90. The specific amount depends on the value of the product you have chosen.
FlexShopper
Lease with
Varies
Rating
Tip: FlexShopper is a lease-to-own company that allows you to purchase a variety of products without being bothered by upfront costs.
FlexShopper is an online platform that allows you to acquire a wide range of products, including electronics, appliances, furniture, and more, through a flexible lease-to-own model.
Through its rent to own appliance option, your payments are spread out over manageable weekly or bi-weekly installments, offering you an affordable and flexible alternative to traditional financing options.
The platform’s catalog covers various categories, making it a comprehensive destination for your household and personal needs.
Whether you want to upgrade your home appliances, furnish your living space, or get the latest gadgets, FlexShopper provides a diverse selection of brand-name products you can lease to own conveniently.
When you want to rent to own appliances on FlexShopper, you are limited to a credit limit of $2, 500 and you can make weekly payments for up to 52 weeks but there is an early purchase option you can utilize to save on costs.
Rent-To-Own
Lease with
Varies
Rating
Tip: Rent-2-Own, usually shortened as R2O is a lease-to-own company that offers a variety of products, including furniture, appliances, electronics, and more.
R2O stands out as a well regarding lease-to-own service, offering you a flexible and convenient avenue to access a diverse array of products, spanning furniture, appliances, electronics, and more.
Similar to other providers of rent to own appliance services featured on this list, R2O prioritizes serving individuals who might be contending with financial constraints or encountering credit-related challenges.
With physical outlets available, you have the option to visit in person and request their rent-to-own services, particularly if you reside within their extensive operational regions in Ohio and Kentucky.
This allows you to acquire products without the need for a huge upfront cost, enhancing accessibility for a broader range of customers.
RTBShopper
Lease with
Varies
Rating
Tip: RTBShopper offers you up to a credit limit of $5, 000 to rent to own appliances and other products in its catalog.
RTBShopper is another platform you can use to rent to own appliances conveniently through its online portal.
The platform has a good collection of products from a range of well-known brands such as Samsung, LG, Whirlpool, and GE among others.
In terms of its credit limit, you can get up to $5, 000 to shop for any of your preferred products from its inventory of appliances like refrigerators, ice makers, dishwashers, microwaves, and others.
One good thing about shopping through RBTShopper is its quick delivery as you may be able to get your item on the same day if your lease-to-own request is approved early.
Its same-day delivery is made possible through its utilization of Best Buy’s physical outlets and your order will be placed then the details of the nearest outlet to pick up your item will be sent to you.
Rent-A-Center
Lease with
Varies
Rating
Tip: Rent-A-Center is a rent-to-own company that offers a variety of products, including furniture, appliances, electronics, and more with over 2,300 physical outlets where you can pick up your item.
Rent-A-Center is a retail company and probably the most popular standalone rent-to-own service provider that offers a range of rent-to-own products, including furniture, appliances, electronics, and more.
When you visit a Rent-A-Center store or use their online platform, you have the opportunity to choose from a variety of items to suit your specific needs and preferences.
Similar to some of the rent to own appliance services on this list, you have the option to determine the duration for which you want to rent a product using Rent-A-Center. This can vary from weeks to months, depending on your needs.
When applying for a rent to own appliance purchase option, Rent-A-Center will take some information from you including your income source, contact info of your landlord or mortgage company, and references which could be up to four.
Though the requirements seem a bit more, the good thing is that you can handle everything online and your order will be sent to the nearest Rent-A-Center location to you for pick up.
P.C Richard & Son
Lease with
Acima
Rating
Tip: P.C. Richard & Son has a retail chain and online shopping portal that specializes in electronics, appliances, mattresses, and home furnishings. It has Acima integrated to enable rent to own service for its products.
P.C. Richard & Son offers a wide range of products for both home and personal use. This includes appliances like refrigerators, washing machines, and kitchen appliances, as well as electronics such as televisions, audio systems, and computers.
This retailer also carries mattresses, furniture, and air conditioning units, and being one of the online appliances stores that accept Acima, you can conveniently lease to own products from its inventory.
P.C. Richard & Son operates a network of retail stores across the northeastern United States, primarily in New York, New Jersey, Pennsylvania, and Connecticut.
These physical locations bring the convenience to pick up your order after being approved for a rent to own appliance purchase on its platform.
In addition to its rent to own appliance option, you can also apply for financing through its store credit card or opt for the buy now pay later provided through Affirm.
Big Sandy Superstore
Lease with
Acima
Rating
Tip: Big Sandy Superstore is a well-known retail chain specializing in furniture, appliances, electronics, mattresses, and home decor. You can rent to own appliances at any of its physical outlets or use the online shopping portal to apply through Acima.
Big Sandy Superstore is one of the companies that allows rent to own appliance purchases through its online shopping portal as well as at any of its physical locations.
This merchant is a popular furniture, appliance, mattress, and electronics retailer with stores located in West Virginia, Indiana, Kentucky, Michigan, Missouri, and Ohio.
From its comprehensive selection of products for every room in the home including living room furniture, bedroom sets, dining room furniture, home office solutions, appliances, electronics, and mattresses, you can conveniently use your Acima shopping credit to buy now and pay later on a monthly basis.
Just like every merchant that supports checking out with Acima, you will handle the application online and your eligibility depends on having the minimum required monthly income of $750 and proof that you have been in active employment in the last three months.
Buddy’s
Lease with
Varies
Rating
Tip: Buddy’s is a well-established retail and rental company that specializes in furniture, appliances, electronics, and home furnishings with a good presence online and over 300 locations offline.
Buddy’s Home Furnishings is a rent-to-own brand that has an online platform and a huge offline presence with over 300 locations popular for its lease-to-own option for furniture items.
Apart from furniture, it offers a wide range of products, including kitchen appliances, televisions, computers, and more available for its rent to own service.
Through Buddy’s Express which is a free same-day delivery service, you can get your rent to own appliance within 24 hours if you submit your application on time.
You can see a list of items that can be delivered within 24 hours by browsing through its online portal and specifying your zip code to get the nearest Buddy’s outlet to you.
Points to consider before you lease to own appliances
Renting to own appliances can be a convenient option for those who may not have the means to make an immediate upfront purchase or prefer to test out an appliance before committing to ownership.
However, it’s essential to consider several points before entering into a rent-to-own agreement to ensure it aligns with your needs and budget.
Here are some key factors to consider:
Total Cost of Ownership
You should determine the total cost you will pay for the appliance over the rental period.
Note that rent-to-own agreements often include interest or fees that can significantly increase the overall cost compared to purchasing the appliance outright.
Payment Schedule
It is also very important for you to understand the payment schedule, including the frequency of payments (e.g., weekly or monthly) and the total number of payments required to own the appliance.
Interest and Fees
You need to also be aware of any interest rates or fees associated with the rent-to-own agreement. These can vary among providers and will significantly impact the total cost.
Ownership Options
Try to clarify the terms for ownership from the rent to own appliance provider.
Some agreements allow you to purchase the appliance at any time during the rental period, while others require you to complete the full rental term before you own it.
Return Policy
Try to understand the conditions for returning the appliance.
In some cases, you can return it without further obligation, while in others, there may be penalties or fees for early termination.
Maintenance and Repairs
Also, ensure to determine who will be responsible for maintenance and repairs during the rental period. Some providers include these services, while others may require you to cover these costs.
Payment Methods
Clarify from the provider the accepted payment methods and the frequency of payments. When the payments are automated, it can help you avoid missing due dates.
Early Payoff Option
The early purchase option is a great deal that will enable you to avoid paying too much on rental costs.
Ask if you can buy the contract out within a short time. Usually, you can save more than 100% of the rent-to-own cost when you close the purchase out within 90 days.
Product Selection
Ensure that the appliance you want to rent meets your needs and preferences in terms of brand, model, and features.
Verify that the provider offers the specific product you desire. You can opt for the other rent to own appliances providers on this list if not available.
Delivery and Setup
Check if delivery and setup services are included in the rental agreement. If not, clarify the process and any associated costs.
Warranty and Insurance
Try to understand the warranty coverage for the appliance and whether it extends through the rental period.
Additionally, you should consider whether insurance is offered for damage or theft.
Research the Provider
Though the platforms covered in this post have fair ratings before consideration, do your research as well if you are going for any or other ones not listed here.
Research the reputation and customer reviews of the rent-to-own provider to ensure they have a history of fair practices and excellent customer service.
Legal Terms and Agreements
Carefully review and understand all the terms and conditions of the rental agreement before signing.
You should seek clarification on any points you find unclear by speaking with the provider.
Compare Providers
When you are shopping online on any of the rent to own appliances providers, it is easy to compare their offerings.
But if you prefer doing this offline when there are multiple rent-to-own providers in your area, compare their terms, fees, and product offerings to find the one that best suits your needs.
Ask Questions
Don’t hesitate to ask the provider’s representative any questions you may have regarding the agreement, the appliance, or their policies. Clear communication can help you make an informed decision.
Opting for rent to own appliances can provide accessibility and flexibility, but it often comes at a higher cost if you decide to see the contract through for a year or longer.
Since many of the providers allow you to close the contract out within a short time, try to utilize the 90-day early buyout option which could save you a lot on rental costs.
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