Getting Started
Rent to Own gives you the power to shop worry-free, with no credit needed.
- Choose from the best brands: Pick from your favorite furniture, appliances and electronics brands—such as Ashley Furniture, Whirlpool, Samsung, Maytag, LG and HP.
- Choose your payment plan: Select the payment schedule that works best for your budget: weekly, bi-weekly (every two weeks), semi-monthly or monthly.
- Money order to “P.O. Box 1368, Lytle, Tx. 78052”. Keep in mind that your payment is not posted to your account until it is received. Please allow appropriate time for mailing services.
- Choose your delivery date: We’ll professionally deliver and set up your product at no extra cost – on the same day in most cases.**It’s easy to get approved — just complete and submit your order online or visit your nearest Express Rent to Own store, all with no obligation. Learn more about How Express Rent to Own Works.
No. No credit history is required, and we do not require a minimum FICO credit score.
All you need is some standard information:
- Personal Info: Name, date of birth, and contact info
- Income Info: Verifiable source of income
- Residence Info: Contact info for your landlord/mortgage company
- 6 Family References: At least two references if need be can be friends with separate addresses and phone numbers
Yes. We generally offer same-day delivery for in-stock products to addresses within our standard service area if you complete your agreement before 4 p.m.
Yes, on new agreements. We may adjust the weekly rate, term and/or total price to match a competitors’ advertised price for identical items.
Yes. You will be sent an email immediately following your order to confirm receipt and serve as your receipt. For items requiring delivery, you will be contacted by phone to schedule delivery.
Payments / My Account
New agreements can be started at Express Rent to Own for as little as .99¢ 1st Week*
You choose the payment schedule that works for you. You can make your payments weekly, biweekly, semi-monthly or monthly.
Contact your local store to request a change to your payment date.
Express Rent to Own offers multiple ways to pay:
- Pay online
- Pay in store
- SMS Payment option
- Call your local store to pay by phone with a Credit or Debit Card
Contact your local store to request a change to your payment date.
After setting up your account, you will need your agreement number to make payments online. This can be found on your rental agreement or provided by your local store.
No, automatic payments can only be set for the standard amounts due on your items based on your pay frequency.
If you need to make a late payment, contact the manager of your Express Rent to Own store on or before your scheduled renewal (payment) date.
You can contact your store manager to schedule a return of your product or return the merchandise in person and pause your payments at any time.
Ownership
No. In fact, Express Rent to Own offers an Early Purchase Discount. If you choose to own your item early, you’ll save on the remaining total.
At Express Rent to Own, you have the freedom and flexibility to choose the ownership option that works best for your budget.
- Same as Cash: Own it in the same as cash period and you’ll pay only the cash price, the same-as-cash period varies from 6 months to 9 months, depending on the cost of the item.
- Early Purchase Discount: Express Rent to Own offers a 20 percent savings on the remaining total. This can vary so be sure to review your agreement.
- Low, Fixed Payment Option: If small payments and flexibility are more your thing, just make your regular rental payments, and you’ll own it at the end of the agreement.
Own it in the same-as-cash period and you’ll only pay the same-as-cash price; the same-as-cash term is 6 to 9 months.
You can still choose to own the merchandise early and save. The Early Purchase Discount is 20% off the remaining total.
Products and Product Service
Yes! Express Rent to Own offers new brand-name items and previously rented merchandise.
Contact your local store to set up an appointment to service your product.
Yes! If an item breaks due to a manufacture defect, it will be fixed at no additional cost to you.
At Express Rent to Own, you can upgrade at any time. Just contact your store. Your payments will be adjusted based on the new product selected.
Liability Damage Waiver (LDW)
Liability Damage Waiver (LDW) is an optional program that protects you from liability if your rental product is stolen or damaged due to natural disaster, fire, or smoke.
LDW protects you from unexpected events such as theft, fire, lightning, flooding, and other acts of nature. It does not cover loss or damage from abuse or carelessness.
LDW protection is available to all customers with a current agreement, in all states excluding California.
Most customers still benefit from LDW even if they have homeowner’s or renter’s insurance. Many insurance policies have high deductibles and may not cover rental products.
Marketing
For text messages reply “stop” or “unsubscribe.” For emails follow the link at the bottom of the email.
Check your spam/junk folder and mark Express Rent to Own emails as ‘not spam.’ If you’re still not receiving emails, sign up for specials to re-register.