8 Best Rent-to-Own Furniture Stores (Some With No Credit Check)

Rent-to-own programs are a good option for those who need to make a big purchase now, but can’t afford to pay the whole thing at once. However, if you’re capable of paying upfront or saving and then paying upfront, you may not want to choose a rent-to-own program. You’ll end up paying significantly more overall leasing an item than you would buying it outright. For more, see the Federal Trade Commission’s information on rent-to-own programs. Below, we’ve compiled a list of major rent-to-own furniture stores, including some that don’t require a credit check.

What We Recommend

We’ve ranked FlexShopper and ColorTyme at the top of the list for their positive customer feedback, flexible payment choices, and ease of application for those with poor or no credit. FlexShopper does obtain a credit report, but not from any of the three major credit reporting agencies.

FlexShopper has good customer reviews and flexible payment options, but it is online only. ColorTyme is a better choice if you prefer to shop in person for your furniture. It also has positive customer feedback, plus it’s a good choice for those with poor credit or no credit, as it does not perform a credit check.

The List

In comparing these retailers, we considered company reputation, flexible payment options, and credit requirements. Below is a list of major rent-to-own furniture stores, beginning with the best options. You can use the following table to compare these stores, then click any store name or scroll down for more details.

Store Credit check required? In-store or online?
FlexShopper Yes Online only
ColorTyme No Both
Rent One No Both
Baber's No Both
Aaron's Yes Both
Sears/Kmart Yes Both
Conn's HomePlus Yes Both
Buddy's Home Furnishings No Both

FlexShopper

  • Available items: Furniture, appliances, smartphones, video games, computers, cameras, tires, fitness equipment, and lawn and garden equipment
  • Credit check requirements: FlexShopper obtains a credit report from either Factor Trust, Inc., or Clarity Services, Inc., but not from any of the three major credit reporting agencies.
  • Payment options: Payments are due weekly, but can be changed to bi-weekly or monthly. Customers also have a 90-day same as cash option, or can pay off the item early to save money.
  • Locations: Online only
  • Delivery options: FlexShopper ships nationwide.
  • Find out more

Also see our list of stores that are similar to FlexShopper.

ColorTyme

  • Available items: Furniture, large appliances, computers, electronics, air conditioners, and fireplaces
  • Credit check requirements: ColorTyme does not perform credit checks. Customers can complete an application online or in person and receive pre-approval, usually in a few minutes. The only requirements are proof of residence, income verification, and references.
  • Payment options: ColorTyme offers flexible payment options with no money down, including an Early Purchase Option that can save you money if you pay off your lease early. Payments can be made online.
  • Locations: Nationwide
  • Delivery options: Same-day delivery typically available; free delivery offered
  • Find out more or find a store

Rent One

  • Available items: Furniture, computers, electronic equipment, large appliances, TVs, and smartphones
  • Credit check requirements: No credit check required. Requirements include address, proof of income, and references.
  • Payment options: Weekly or monthly payment options; online payment accepted
  • Locations: Several midwestern states and Pennsylvania
  • Delivery options: Free delivery and setup offered
  • Find out more or find a store

Baber’s

  • Available items: Furniture, electronics, appliances, computers, video games
  • Credit check requirements: Minimum requirements include proof of income, verified residence, and three references.
  • Payment options: 120-day and six-month same as cash payment options; online payment available
  • Locations: Alabama, Florida, Louisiana, and Mississippi
  • Delivery options: Free delivery and setup; next-day delivery offered
  • Find out more or find a store

Aaron’s

  • Available items: Furniture, mattresses, electronics, and large appliances
  • Credit check requirements: Minimum leasing requirements include income verification, proof of residence, and three references. While there is no credit requirement, Aaron’s will still perform a credit check to approve your application online.
  • Payment options: Aaron’s offers flexible payment options, including a 120-day same as cash option at many stores (90-day in California). Payments can be made online.
  • Locations: Nationwide
  • Delivery options: Free delivery and setup are offered.
  • Find out more or find a store

Conn’s HomePlus

  • Available items: Furniture, appliances, TVs, electronics, computers, and home decor and accessories
  • Credit check requirements: Conn’s requires a credit check for its in-store financing, store credit card, and rent-to-own programs. While a credit check is still required for rent-to-own applicants, you don’t have to have credit to be approved.
  • Payment options: Consumers have a variety of options which include store credit cards, retail installment contracts, and rent-to-own. The rent-to-own program offers flexible payment options including a 90-day purchase option.
  • Locations: The southern half of the United States
  • Delivery options: Conn’s offers next-day delivery in its local markets. Conn’s will even haul away used furniture and appliances at any time an appointment is scheduled.
  • Find out more or find a store

Sears and Kmart’s Lease It Program

  • Available items: Furniture, large appliances, electronics, tools, and lawn and garden equipment
  • Credit check requirements: Customers must be over 18, have a photo ID, valid social security number, and meet income requirements. No credit requirement, though they may still check your credit score.
  • Payment options: The first payment is made in the store or online when your lease begins, and then an ongoing payment schedule is set up. Sears offers flexible payment plans as well as an Early Purchase Option that can save you money.
  • Locations: Nationwide
  • Delivery options: Sears and Kmart charge for delivery and haul-away services.
  • Find out more, or find a Kmart or Sears location

Buddy’s Home Furnishings

  • Available items: Furniture, home office equipment, computers, major appliances, outdoor equipment, and air conditioning units
  • Credit check requirements: Buddy’s does not do credit checks on applications. You can apply online or at your local store.
  • Payment options: Buddy’s offers flexible payment options and accepts payments online.
  • Locations: Nationwide
  • Delivery options: Free delivery and setup available
  • Find out more or find a store

If you’re looking to rent-to-own items other than furniture, have a look at our research on Progressive Leasing stores. Progressive Leasing provides a popular rent-to-own program to retailers. For more flexible payment options, also see our list of furniture stores with layaway plans.

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