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How RAC Works
How Rent-A-Centre Works
HomeHow RAC Works
How Rent-A-Centre Works
Are you in the market for the latest items for your home, but not sure they’re in your budget? Is using a credit card not an option? Ever feel like you’re missing out on the “next big thing” because you’re still stuck paying for the old thing? Welcome to Worry-Free Shopping at Rent-A-Centre.

Read on to find out how easy we make it to get the Furniture (bedroom, living and dining rooms), Electronics (Televisions, audio systems and gaming systems), Appliances (refrigerators, ranges, washers and dryers, freezers and A/C units) and Computers (desktops, laptops and even tablets) you want – without credit, without risk and without worry. Ever. Guaranteed.

What’s more: As the #1 provider of rent-to-own home items in North America, we do it better than everybody else. Since 1986, our U.S. parent company has grown to more than 3,000 locations in the United States, Puerto Rico, Mexico and Canada. We entered the Canadian market in 2004 and now operate in six Canadian provinces, tailoring our products and services to meet the specific needs of customers in the markets we serve.
What is Rent-To-Own?
In today’s economy, having flexibility in how you spend your money is key to staying within a budget, while still enjoying the good things your family deserves. But that’s not something traditional retailers can give you.

At Rent-A-Centre, we can. With Worry-Free Shopping, we guarantee you have the freedom to get the same brand-name items you’ll find in other stores – but without ever having to rely on credit or a store’s financing program. And, you get easy approval with No Credit Check!

You just pick your product and pay a little at a time as you go, with no long-term contract. And if you ever need to, you can return your item and owe nothing more – then restart whenever you want. You can pay off your item early, if you wish, which saves you money. Delivery, set-up and service are even included at no extra charge, so your money stretches even further.
Own In As Little As 3 Months
All rent-to-own companies are not created equal. Some may offer lower payments than Rent-A-Centre – but because of higher prices and payment plans up to three years in length, you usually end up paying over a longer period and spending more overall.

Don’t get stuck paying for three years. The Rent-A-Centre difference is all about Dollars & Sense:
LOWER CASH PRICES mean you save money on the best brands from the start. If you choose to pay the cash price, we’ll even give you three months to pay it off.
SHORTER PAYMENT PLANS still fit your budget and help you free up your money faster.
OWN IT SOONER – Why wait up to three years? Unlike the competition, you can own the best brands in as little as three months.
Worry-Free Guarantee™
Simply put, Rent-A-Centre gives you the flexibility to shop worry-free and get what you want without having to wait. And thanks to RAC’s Worry-Free Guarantee*, you can have 100% peace of mind – every time – because of benefits like these!
Easy Approval
Top-of-the-Line Brands and Models
No Credit Checks
No Long-Term Commitment
Upgrade to a Newer Model at Any Time
Return Your Item and Pay Nothing More
Start Again Whenever You Want
Delivery, Set-up & Service at No Extra Charge
Loaner Items if Repairs are Required While on Rent
Flexible Payment Plans
Weekly Payment Plans
Early Purchase Option at reduced price
Easy Payment Options
Online, On the Phone or In the Store
No Surprise Fees
Customized Payment Plans (weekly, bi-weekly or monthly)
Learn more about our Worry-Free benefits in Why Rent-A-Centre.
Worry-Free Guarantee Terms and Conditions:
Delivery and set-up are included and RAC services and maintains the merchandise while on rent; set-up does not include connection of gas appliances. For model upgrades, simply return the product you are currently renting and open a new agreement for another model. To restart an agreement on a returned product, Rent-A-Centre will retain your payment records for two years. Thereafter, simply bring in your last payment receipt for reinstatement.