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Rent-to-Own Living Room Sets: Comfort and Style for the Heart of Your Home

When you decide to purchase a living room set, you're investing in the space where life happens — from relaxing evenings to weekend gatherings. Whether you're furnishing a cozy apartment or a spacious family room, you want a set that reflects your style and stands up to everyday use. At RAC, you'll find a... Read More

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*The advertised transaction is a rental-purchase agreement (rent-to-own agreement, consumer rental-purchase agreement or a lease/lease-purchase agreement, depending on your state). Pricing valid 9/21/25 to 10/18/25. The "Total of All Payments" does not include applicable sales taxes or optional fees and other charges (such as late charges) that you may incur. Customers in certain states may be required to pay a processing fee, including a fee of up to $18 in CA, and up to $10 in NY, HI, GA, KY, MD & VA. Advertised rental rates and terms are for new merchandise at participating locations. Prices not valid outside U.S. You will not own the merchandise until the total amount necessary to acquire ownership is paid in full or you exercise your early purchase option. Ownership is optional. MA and RI consumers: after the first 184 days, you may purchase the merchandise for 50% of the remaining Total Cost, plus applicable sales tax. Product availability and pricing may vary by store. Advertised offers good while supplies last and cannot be combined with any other promotion. Pricing Example: Samsung 65” TV (UN65U7900FFXZA) $19.99/wk, max 67 weeks, max total cost: $1,339.33; GA & PA cost of lease services $740.33, WV retail value $582.62, WV RTO charge $756.71. †Savings claims based on the advertised weekly rates when compared to non-promotional weekly rates and will not reduce the total amount necessary to acquire ownership or purchase-option amounts. See Store Manager for complete details. Product, condition, and selection vary by location. Participating locations only. See store for details.

^“1 Penny Pays Your First Week” offer is valid only on new agreements entered into 09/21/2025 through 09/27/2025. Customers eligible for this offer will pay 1 penny for the initial rental period until first renewal payment, up to twelve (12) days. Loss-Damage Waiver (if selected) and Benefits Plus (if selected) are waived for the initial payment. Any tax due under state law will be collected with first renewal payment. After the first week, regular rental payment, taxes, Benefits Plus (if selected) and Loss Damage Waiver fees (if selected) will apply. Regular rental payment, term and total cost vary by item selected. Offers will not reduce the total amount necessary to acquire ownership or purchase-option amounts. Customers eligible for this offer must use Promo Code “1WK1PENNY” to receive offer.

‡“Own your own way” refers to the available options to acquire ownership of a leased product from Rent-A-Center, which include (i) making the number of rental renewal payments required to obtain ownership as defined in the rental agreement, (ii) exercising a Same as Cash option, or (iii) exercising an early purchase option after the same as cash period has expired. You will not own the merchandise until the total amount necessary to acquire ownership is paid in full. Ownership is optional. You may cancel your agreement at any time and return your item in good condition.

^"$10 Pays Your First Week" offer is valid only on new agreements entered into through in-store or online transactions from 09/21/25 to 10/18/25. Customers eligible for this offer will pay $10 for the initial rental period until first renewal, up to twelve days. Tax, Processing Fee (if applicable), Loss-Damage Waiver (if selected) and Benefits Plus (if selected) are included in initial rental. $1 will be allocated to Benefits Plus (if selected). Any tax due under state law in excess of remaining $9 will be collected with first renewal payment. On your first renewal date, regular rental rates, taxes, Benefits Plus (if selected) and Loss Damage Waiver fees (if selected) will apply. Regular rate, term and total cost vary by item selected. Offers will not reduce the total amount necessary to acquire ownership or purchase-option amounts. Customers eligible for this offer must use Promo Code "1WEEK4TEN" to receive offer. Cannot be combined with any other promotion. Participating locations only. Some exclusions apply. Not all customers or rental agreement transactions will qualify. See Store Manager for complete details.

**“The No Credit Option” means that this is not a credit, loan or financing transaction. It does not mean or imply that no inquiry will be made of credit history or creditworthiness. We consider multiple data points in reviewing your application and regularly approve customers with less-than-perfect credit history. “6 Months Same As Cash” offer valid in most states on new agreements, and period ends 184 days after start of the new agreement. Exercising a Same As Cash option requires a separate payment in addition to your rental renewal payments. To make this payment, please contact your store or go to https://www.rentacenter.com/en/myaccount/payonline-getstarted. See agreement for details. 6 Months Same As Cash not available in CA, HI, NJ, NY and WV and select franchised locations, which may offer 3 - 6 Months Same As Cash, depending on product selected. Offer is valid only on new agreements. 3 month period ends 92 days after start of the new agreement. “9 Months Same as Cash” only valid in select stores on new agreements. Same as Cash period will run for 276 days from date of agreement. “6 to 12 Months Same as Cash” and “9 Months Same as Cash” only valid in select stores on new agreements. Same as Cash period will vary from 3-12 months based on product selected. Beginning on the date of a new agreement, the duration of the Same as Cash period will be as follows: for 12 months Same as Cash, 365 days; for 9 months Same as Cash, 276 days; for 6 months Same as Cash, 184 days; for 4 months Same as Cash, 123 days; for 3 months Same as Cash, 92 days. Same As Cash availability and term may vary by location. MA and RI: After the Same As Cash period, you may purchase the merchandise for 50% of the remaining Total Cost, plus applicable sales tax. Participating locations only. Eligible items only. All items subject to availability and approval. “Free Delivery and In-Store Pickup”: Not all locations may be able to provide standard services. Free Delivery is not available on cash sales. Rent-A-Center services and maintains the merchandise while on rent (or in NJ, for duration stated on agreement); set-up does not include connection of gas appliances. Call your store for local information. Order delivery for jewelry will take a minimum of five days. “Early Purchase Option”: By exercising an Early Purchase Option, customers will pay less than the total cost to own. Calculation of early purchase amount varies by state; please see agreement for details. Exercising an early purchase option requires a separate payment in addition to your rental renewal payments. To make this payment, please contact your store or go to https://www.rentacenter.com/en/myaccount/payonline-getstarted. "RAC Exchange" program valid for rental agreements entered at participating Rent-A-Center locations or on rentacenter.com on or after March 12, 2024, is available to eligible new and existing Rent-A-Center customers, and applies to inventory obtainable by participating Rent-A-Center store locations. New application and approval may be required. Cash price of the replacement item (“Exchange Item”) selected in exchange for current leased item (“Current Item”) may not exceed the Exchange Item approval amount, which is subject to validation and adjustment prior to exchange and may vary from original approval amount for initial rental agreement for Current Item. Exchange requires execution of new rental agreement for Exchange Item. Exchange option must be exercised and completed within six (6) months following execution of rental agreement for Current Item. Agreement for Current Item must be in good standing (with all rental payments and fees current) at the time of exchange and Current Item must be in good condition. Rent paid for agreement for Current Item will be applied to reduce the total cost to own for the Exchange Item, but prior rent paid for Current Item cannot be applied in full to same as cash amount for Exchange Item. Any applicable same as cash period will apply to new agreement for Exchange Item based on product selection and agreement term. The amount of rent paid for Current Item under prior agreement eligible for application to same as cash amount for Exchange Item may vary from 40% to 66%, depending on state of residence. Exchanges under program may not be combined with other discounts, offers, or promotions. Participating locations only. See store for details.

± Pre-Approval / Approved for up to $4,000/ $5000 Advertised transaction is a rental-purchase / lease transaction. Approval amount refers to cash price of merchandise or weekly rental rate if item(s) selected. Approval amount includes outstanding agreements. Total rent-to-own cost will be higher. Number of payments and total rent-to-own cost will vary by items selected. Actual approval amount will vary based on review of application. Not all will qualify. Participating locations only. All items subject to availability and approval. Ownership is optional. You will not own the merchandise until the total amount necessary to acquire ownership is paid in full or you exercise your early purchase option. Customers in certain states may be required to pay a processing fee, including a fee of up to $18 in CA, and up to $10 in NY, HI, GA, KY, MD & VA. Advertised rental rates and terms are for new merchandise at participating locations. "Without using credit" means that this is not a credit, loan, or financing transaction. It does not mean or imply that no inquiry will be made of credit history or creditworthiness. We consider multiple data points in reviewing your application and regularly approve customers with less than perfect credit history. See Store Manager for complete details.