Your Aaron’s Questions Answered

With a huge selection of products and convenient rent to own payment plans, Aaron’s is a great choice for shoppers in search of flexible options for acquiring furniture, electronics, and appliances. However, we understand that the rent to own process isn’t always easy to understand. Let’s address some of the most common questions people have about Aaron’s and the rent to own process.

Does Aaron’s check credit?

During the approval process, Aaron’s does check credit history. However, an established credit history is not necessarily required, and other factors are considered before you are approved. That means that we often approve customers that other stores turn away. This can be a relief for individuals who may have less-than-perfect credit, very little credit, or no credit history at all.

Does Aaron’s build credit?

Unlike credit cards, Aaron’s offers rent to own services, not loans. Therefore, on-time payments and responsible lease management will not improve your credit score. If you’re looking to build credit, try paying off loans (such as car and house payments), reducing your credit card balance, and making sure to pay your rent on time.

Does Aaron’s report to credit bureaus?

Aaron’s does not currently report to credit bureaus. Just as renting to own at Aaron’s will not positively affect your credit score, it also won’t negatively affect your score.

Is Aaron’s worth it?

A few key advantages make shopping at Aaron’s worth your while.

1. What you need, when you need it: Aaron’s has a huge selection of brand name furniture, appliances, electronics, and more. If you need your products immediately but can’t afford the full upfront cost, our flexible payment plans could provide a solution that better fits your budget.
2. Credit Considerations: If you’re concerned about your credit score, Aaron’s could be a good option. A late payment on a credit card will hurt your credit score, but if you are unable to continue making payments with Aaron’s, you can simply return your items.
3. Flexibility: And if you do have to return your items, you can always come back when you’re ready and pick back up where you left off. You’ll get an item of similar condition and you won’t lose the payments you already made. Plus, Aaron’s has flexible payment options, so you can pay at the pace that works best for you.