Rent-to-own computer stores enable you to access devices without upfront costs or with poor credit and provide flexibility in repayment.
Unlike purchasing a computer outright, renting to own spreads the cost over time, making it more manageable for you when you have a limited budget.
With many of these platforms offering early purchase options, you can also save a lot on rental costs when you close out the contract very early for full ownership.
Best Rent-to-Own Computer Stores
Here below are the top stores that accept rent-to-own computer orders:
TOP 3 PICKS
Abunda
Pricing From
$8/m
Best For
Lease-to-own
Tip: Abunda is a gateway that enables you to rent-to-own computers on Amazon. This is a better choice if you want to buy the device before or at the end of the contract period.
Abunda is a prominent online platform where you can rent-to-own computers. It features a diverse range of models from different brands and related products like gaming computers in its catalog.
Their extensive selection is sourced exclusively from Amazon, ensuring that when you place an order for a computer, it will be dispatched directly from an Amazon warehouse.
Abunda operates without a physical inventory, functioning solely with virtual items. All the computer products offered on the platform are carefully curated from the Amazon marketplace, effectively serving as a gateway for buy now, pay later options.
Serving as a convenient intermediary, the platform enables you to finance computers and other related products available on Amazon, facilitating payments through your PayPal Pay in 4, Klarna, and Acima accounts.
When you visit Abunda’s website, you will find an intuitive shopping interface that boasts a diverse range of computer products.
But, if you have already spotted a computer you like on Amazon, Abunda offers a convenient way to streamline the process through its copy-and-paste tool.
Simply copy the product link from Amazon and paste it into Abunda’s search field. Once you submit it, the item seamlessly integrates into Abunda’s inventory, ready for you to lease.
The platform provides flexible financing options through PayPal, Klarna, and Acima.
To qualify for Acima financing, you should have active employment and a minimum monthly income of $750 for the three months prior to your application.
If you choose the Acima option, you also have the opportunity to close the contract early within 90 days, potentially resulting in significant savings compared to making continuous payments over the 12-month period.
Grover
Pricing From
$14.9/m
Best For
Rent-to-return
Tip: Grover is a short-term rental service and is suitable if you need the computer for a few days to weeks before returning it.
Grover is a renowned online tech gadget rental service, specializing in short-term rentals for laptops, computers, and related devices from top-tier brands.
Think of this platform as the ‘Netflix’ for tech tools, where you are charged based on a subscription model determined by the value of the rented product.
It is an exceptional service, especially if you require a computer for a short period, ranging from days to weeks since Grover’s model revolves around the return of rented items.
One of the great advantages of Grover is how easy it is to get started. You do not need to go through extensive hoops; as long as your connected payment method is valid, you can gain access to your desired computer within 24 to 48 hours after validation.
When placing your request, you have the option to include accessories such as headphones, a mouse, and other peripherals that can enhance your experience with the rented computer.
To lease the device of your choice, simply browse through the available models or utilize the search feature if you have a specific type in mind.
Once you have made your selection, add it to your cart and proceed to create an account, which is necessary to complete your order.
Upon order submission, your connected payment method will be charged the initial rental fee before the product is dispatched to you. Therefore, it is important to ensure that you have sufficient funds available to cover this initial payment.
Amazon Monthly
Pricing From
Varies
Best For
Amazon Buyout
Tip: Amazon offers a monthly payment service that comes with zero interest, allowing you to buy a computer with payments spread over a maximum period of 120 days. This is subject to eligibility criteria.
If you are a frequent Amazon shopper and find yourself in need of a rent-to-own computer due to budget constraints, it is worth exploring Amazon’s monthly payment service.
This service enables you to select any product from their marketplace and extend the payment over a period of up to 120 days, ultimately resulting in full ownership of the item.
Eligibility for this interest-free financing option is subject to certain criteria, and if you are a frequent Amazon user, you may qualify to take advantage of this convenient payment solution.
This service is applicable to specific products, and you might find that your preferred computer model is eligible for monthly installment payments.
To determine if the item qualifies, add it to your cart and proceed to the payment page.
If the selected computer meets the criteria for Amazon’s monthly payment option, it will be indicated on that page, and you can proceed with the checkout to explore this payment method further.
OTHER RENT-T-OWN COMPUTER OPTIONS
Best Buy
- Rent-to-own computer when you pay with Progressive Leasing
- Popular consumer electronics store
- Several models of devices to choose from
- Up to $2,500 credit to lease any computer of your choice
- Other financing options through PayPal Pay in 4, Zip, and its store credit card
Curacao
- Rent-to-own computers when you select Acima as your payment method
- Up to $4,000 credit limit to use for shopping
- Curacao also has its own store credit card that grants more financing funds
- You can also use its offline store nearest to you as it allows financing in-store
P.C. Richards
- This retailer supports rent-to-own computer purchases through Acima
- It also has several devices in its inventory
- You also get up to $4,000 you can use for shopping its products
- You can use the early purchase option and save a lot on rental costs
- You can also use its physical store nearest to you as it allows financing at its outlets
Venue
- Venue.com operates a good inventory of devices you can choose from
- Its rent-to-own computer orders can be paid with credit or debit cards, PayPal financing options, and Klarna
- Delivers to most locations in the United States
- Up to $800 to spend on your preferred computer device and accessories
RTBShopper
- RTBShopper operates an online leasing service
- You can rent-to-own computers that include models from different brands
- You can be granted up to a credit limit of $5,000 to lease any device of your choice
- This provider can also offer the same day delivery through Best Buy
Electro Finance
- Electro Finance operates an ecommerce portal dedicated to leasing
- A good number of devices in its inventory
- Its rent-to-own computer orders can also be picked up at any Best Buy location nearest to you
- The platform also offers home delivery
Fingerhut
- A popular product financing provider
- Fingerhut has several models to choose from
- It has two financing methods that are created to grant you access to its products even if you have a very poor credit score
- Free home delivery
Buddy’s
- This platform is a well-known rent-to-own computer service provider
- Several models from top brands to choose from
- Home delivery at no costs
- A lot of offline locations where you also walk into to pick up your item
FlexShopper
- It operates one of the largest online-only lease service platforms
- FlexShopper utilizes well-known offline retailers for faster delivery
- It can deliver the device to your home once your rent-to-own computer application is approved
- You can also pick up your device on the same day through Best Buy or any of its partners
LeaseVille
- This is another popular online-only rent-to-own computer provider
- The platform also has free home delivery to any location
- It also utilizes BestBuy’s offline spread to offer the same day delivery
- Up to $3,500 credit to use to shop for any item of your choice
Aaron’s
- Aaron’s is a popular rent-to-own service provider
- Has a strong physical presence hence, faster delivery
- You can order online and get it delivered to your home
- Several models available for its rent-to-own computer option
Rent-A-Center
- One of the top places to rent to own computers especially when applying in-store
- It has a good inventory of devices from popular brands
- Quick delivery through its widespread physical outlets
Points to consider before you lease to own a computer
Leasing to own a computer can be an attractive option for individuals and businesses alike. It allows you to access the latest technology without a substantial upfront cost and provides flexibility in managing your budget.
However, before you jump into a rent-to-own computer agreement, there are several important factors to consider to ensure you make an informed decision.
Here are some key things to keep in mind:
Financial Assessment
Before entering into any rent-to-own computer agreement, it is crucial to conduct a thorough financial assessment. Evaluate your current financial situation, including your income, expenses, and savings. Consider whether you can afford the monthly lease payments and any associated fees.
- Budget: Create a budget that includes the cost of leasing the computer. Ensure that you can comfortably accommodate these payments within your monthly budget without sacrificing essential expenses.
- Interest Rates and Fees: Be aware of any interest rates or fees associated with the lease. These can significantly impact the overall cost of the computer over time.
- Total Cost: Calculate the total cost of the rent, including all payments and fees. Compare this to the retail price of the computer to determine if the lease is cost-effective.
Lease Terms and Conditions
Understanding the terms and conditions of the lease is important to make an informed decision. These terms can vary significantly from one provider to another. Key aspects to consider include:
- Lease Duration: Determine the length of the lease. Typical rent-to-own computer terms range from 6 to 12 months. Choose a duration that aligns with your needs and budget.
- Early Termination: Inquire about the process and costs associated with terminating the rent early, should your circumstances change.
- Ownership: Clarify whether the lease leads to full ownership of the computer at the end of the term or if you will have the option to purchase it.
- Maintenance and Repairs: Understand who is responsible for maintenance and repairs during the lease. Some terms may include maintenance services, while others require you to cover these expenses.
Quality of the Computer
The quality and specifications of the device you are leasing are critical factors to consider. Ensure that the rent-to-own computer meets your specific requirements, both in terms of performance and functionality. Key considerations include:
- Specifications: Review the computer’s specifications, including processor speed, RAM, storage capacity, and graphics capabilities. Ensure it can handle the tasks and software you plan to use.
- Age and Condition: Determine the age and condition of the computer. Leasing older or outdated models may not provide the best value for your money.
- Warranty: Check if the computer comes with a warranty. A warranty can provide peace of mind and financial protection in case of hardware issues.
Hidden Costs and Fees
Rent-to-own computer agreements can sometimes contain hidden costs and fees that may not be immediately apparent. Pay close attention to the following potential charges:
- Insurance: Some rental terms require you to purchase insurance coverage for the computer. Understand the cost and coverage of the insurance policy.
- Late Payment Fees: Find out the consequences of missing a lease payment. Late payment fees can add up quickly and affect your credit.
- Return Fees: If you choose not to purchase the computer at the end of the lease, there may be return fees or restocking fees involved.
Credit and Eligibility
Some rent-to-own computer agreements may require a credit check. Your credit history and score can impact your eligibility and the terms of the lease. Consider the following:
- Credit Check: Understand that leasing companies may check your credit history. Poor credit may result in higher interest rates or denial of the lease.
- Eligibility Requirements: Inquire about specific eligibility requirements, such as minimum credit score, income level, and employment status.
Alternatives
Before committing to a rent-to-own computer agreement, explore alternative options for acquiring a computer:
- Buy Upfront: If you have the financial means, consider purchasing the computer outright. This eliminates the need for monthly lease payments and interest charges.
- Financing: Investigate financing options, such as buy now pay later, personal loans, or credit cards with low-interest rates, to purchase the computer. Compare the overall cost with leasing.
- Renting: In some cases, renting a computer for a shorter period might be a more cost-effective solution, especially if you only need it temporarily.
Legal Considerations
It is important to carefully read and understand the rent-to-own computer contract. Pay attention to the following legal aspects:
- Liability: Clarify your liability for damages or loss of the computer during the lease term. Understand your responsibilities to avoid potential disputes.
- Default Terms: Familiarize yourself with the terms related to default, including the consequences of missed payments.
Customer Support and Service
Research the customer support and service provided by the leasing company:
- Customer Reviews: Look for customer reviews and feedback regarding the leasing company’s responsiveness and reliability in addressing issues.
- Warranty and Repairs: Understand the company’s policies regarding warranty coverage and the process for repairs or replacements.
Opting for a rent-to-own computer can be a viable option, but it is essential to conduct thorough research and consider the factors mentioned above before entering into an agreement.
By carefully evaluating your financial situation, the terms of the lease, the quality of the device, and any hidden costs, you can make an informed decision that best suits your needs and budget.
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