Why is Rent a Center So Expensive? (Top 10 Reasons in 2023)

Rent-A-Center is a well-known company that offers rent-to-own furniture, appliances, electronics, and other household items. While the convenience and flexibility of their services may appeal to some consumers, others have noticed that Rent-A-Center can be more expensive compared to traditional retail stores.

Rent-A-Center is often considered expensive due to its rent-to-own business model, which includes high interest rates and fees. Customers end up paying significantly more than the actual retail price of the products, making it an expensive option in the long run.

In this article, we will explore the factors that contribute to the higher costs associated with Rent-A-Center and shed light on why their services may come at a premium.

10 Key Factors That Makes Rent a Center So Expensive

Rent-A-Center is a renowned provider of furniture, appliances, and electronics rentals, but their services often come with a higher price tag. 

Here, we dive into the primary factors contributing to the cost of renting from Rent-A-Center. 

From flexible rental terms and convenience to quality products and operational expenses, we will explore what makes Rent-A-Center’s offerings worth the investment.

#1- Flexible Rental Terms

Rent-A-Center offers customers the convenience of flexible rental terms. 

This means individuals can rent furniture, appliances, or electronics for a specific duration, making it ideal for short-term needs or individuals who prefer not to commit to long-term purchases. 

However, the flexibility in rental terms comes at a cost, as the company must manage the logistics and administrative aspects of accommodating various rental durations.

#2- Quality Products

Rent-A-Center prides itself on providing customers with high-quality furniture, appliances, and electronics. 

The company sources reliable and durable products from reputable manufacturers to ensure customer satisfaction. 

These quality products often come with a higher price tag compared to cheaper alternatives, as Rent-A-Center prioritizes the longevity and performance of the items they offer for rent.

#3- Convenience and Accessibility

One of the key factors that make Rent-A-Center stand out is its convenience and accessibility. 

With numerous store locations across different regions, Rent-A-Center ensures that customers can easily access their rental services. 

This widespread presence requires substantial investments in rent, utilities, and maintenance costs, which ultimately contribute to the overall expenses and rental prices.

#4- Delivery and Installation Services

Rent-A-Center offers delivery and installation services to ensure a seamless experience for customers. 

Their dedicated teams deliver and set up rented items at the customer’s preferred location, saving them the hassle of transportation and assembly. 

Providing these services incurs additional costs for Rent-A-Center, which are factored into the rental prices.

#5- Customer Service and Support

Rent-A-Center prioritizes excellent customer service and support throughout the rental process. 

Their knowledgeable staff assists customers in selecting the right items, addressing any concerns, and providing ongoing support during the rental period. 

Maintaining a well-trained and responsive customer service team adds to the operational costs, which are reflected in the overall rental pricing.

#6- Risk Mitigation and Flexibility

Rent-A-Center’s rental model includes the advantage of risk mitigation and flexibility for customers. 

In case of unforeseen circumstances or changes in requirements, customers can return rented items without long-term financial obligations. 

This flexibility involves additional administrative work and logistics for Rent-A-Center, contributing to the overall rental costs.

#7- Inventory Management

Managing a diverse inventory of furniture, appliances, and electronics requires meticulous inventory management. 

Rent-A-Center must invest in systems and processes to track and maintain their rental items, ensuring availability, proper maintenance, and replacement when necessary. 

These inventory management expenses impact the rental prices to ensure the continued availability of desired items.

#8- Insurance and Damage Coverage

To provide peace of mind to customers, Rent-A-Center offers insurance and damage coverage for rented items. 

This coverage protects customers from potential accidents, damages, or theft that may occur during the rental period. 

Including insurance and damage coverage involves additional costs for Rent-A-Center, which are incorporated into the rental prices.

#9- Advertising and Marketing Efforts

Rent-A-Center engages in advertising and marketing campaigns to promote their rental services and attract new customers. 

These efforts include television commercials, digital advertising, and local promotions. 

Investing in advertising and marketing activities incurs expenses that are reflected in the rental prices to maintain brand visibility and reach a wide customer base.

#10- Profit Margins and Operational Expenses

As a business, Rent-A-Center aims to generate profits to sustain its operations and provide quality services. 

The rental prices factor in profit margins necessary for the company’s growth, as well as covering operational expenses such as employee wages, rent for corporate offices, technology infrastructure, and administrative overheads.

What Is So Special About Rent a Center?

Rent-A-Center is a well-known furniture and electronics rent-to-own company with a unique appeal.

It offers customers an alternative pathway to ownership, distinct from traditional retail outlets. Here are the key factors that make Rent-A-Center special:

Flexible Ownership Model

At the core of Rent-A-Center’s appeal is its flexible rent-to-own model. 

This allows customers to obtain household goods, such as furniture, appliances, computers, and electronics, without incurring upfront costs or committing to a long-term contract.

Customers can make regular payments toward ownership of their items, with the flexibility to return the products at any time without penalty.

This model offers a solution for those who may not have access to traditional credit or cannot afford to purchase the item outright, providing an inclusive alternative to traditional retail.

Quality Selection and Brands

Rent-A-Center carries a wide range of high-quality products from trusted and well-known brands.

From state-of-the-art electronics and computers to stylish furniture and reliable appliances.

Rent-A-Center offers customers the chance to enjoy high-quality items in their homes, without the need for significant upfront investment.

Same-Day Delivery and Set Up

One of the highlights of Rent-A-Center is its commitment to quick and convenient service.

Rent-A-Center offers same-day delivery and set-up for most of its products, eliminating the need for customers to transport and assemble items themselves.

This provides an added level of convenience and takes the hassle out of furnishing a home or setting up new electronics.

In-House Financing

Rent-A-Center has its own in-house financing, which means it does not involve third-party lenders.

This allows for a smoother, more straightforward process and provides options for those with little or no credit history.

With Rent-A-Center’s in-house financing, customers can plan their payments according to their budget and schedule, offering a degree of flexibility rarely found in traditional retail models.

Maintenance and Repair Services

A unique aspect of Rent-A-Center’s service is its offer of free maintenance and repair for the rental period.

This means that if an item breaks down or requires maintenance, Rent-A-Center will take care of it at no additional cost.

This eliminates the worry of unexpected repair costs and ensures that customers can enjoy their rented items without any concerns about maintenance.

Why Is Rent a Center So Famous Despite Expensive Price Tag?

Rent-A-Center, despite its higher price tag compared to other rental service providers, has achieved fame and popularity for several reasons. 

Its unique value proposition, flexible payment options, convenience, wide selection of products, and effective marketing strategies have contributed to its enduring success.

Unique value proposition

Rent-A-Center offers a unique value proposition by providing customers with the opportunity to rent and eventually own a wide range of products, including furniture, appliances, electronics, and more. 

This “Rent-to-Own” model allows customers to enjoy immediate access to the items they need without the burden of a large upfront cost. 

The convenience of this offering justifies the higher price point for many customers who value the flexibility and affordability of the rental service.

Flexible payment options

One of the key reasons for Rent-A-Center’s fame is its flexible payment options. 

The company allows customers to rent products with the option to pay weekly, bi-weekly, or monthly, depending on their financial situation. 

This flexibility enables individuals who may not have the means to make a significant upfront purchase to still access the items they desire. 

The ability to spread out payments over time appeals to many customers, making the higher price tag more manageable and affordable.


Rent-A-Center prioritizes convenience by providing a hassle-free rental experience. 

Customers can browse a wide selection of products in-store or online, select their desired items, and have them delivered directly to their homes. 

The company also offers services such as professional setup and maintenance, which further enhance the convenience factor. 

By simplifying the rental process and eliminating potential barriers, Rent-A-Center appeals to customers who prioritize convenience and are willing to pay a premium for a seamless experience.

Wide selection of products

Rent-A-Center’s extensive range of products sets it apart from competitors. 

Whether customers need furniture for their homes, appliances for their kitchens, or the latest electronics, Rent-A-Center offers a diverse selection to meet various needs and preferences. 

This wide array of options attracts customers who value choice and the ability to access high-quality products without the commitment of purchasing them outright. 

The availability of desirable items justifies the higher price tag for many customers who appreciate the selection and convenience provided by Rent-A-Center.

Effective marketing strategies

Rent-A-Center’s fame can also be attributed to its effective marketing strategies. 

The company has established a strong brand presence through various channels, including television, radio, online advertising, and targeted promotions. 

By highlighting the benefits of renting and the value proposition it offers, Rent-A-Center has successfully captured the attention of its target audience. 

Through compelling messaging and effective storytelling, the company has built awareness and familiarity, making customers more willing to consider the higher price tag associated with its services.

Is Buying Expensive Rent a Center Worth It?

Rent-A-Center, a recognized rent-to-own retailer, typically charges higher prices compared to traditional retailers for appliances, electronics, and furniture. 

Despite offering the convenience of renting and eventually owning big-ticket items without a credit check, one might ponder if the inflated price is truly worthwhile. 

This section dives into various factors to assess whether committing to Rent-A-Center’s high costs is a sound decision.

Quality and Durability 

Rent-A-Center offers a broad range of high-quality products from reputable brands. 

This means that the items you rent are likely to be durable and efficient, reducing the likelihood of needing frequent repairs or replacements. 

This assurance of quality can make the higher prices seem more reasonable.

Payment Flexibility and Credit Check Waiver 

Rent-A-Center’s major appeal is its flexible payment options that don’t require any upfront large sum payment. 

Plus, they do not perform credit checks, which opens the door for customers who might not qualify for traditional financing. 

If you need an item immediately but can’t afford the upfront cost, this model could justify the higher overall cost.

Ownership Possibility 

Rent-A-Center provides the option of owning the item after a set period. 

For those who cannot afford to buy items outright, this scheme presents a feasible path to ownership, despite the higher total cost. 

However, it’s important to remember that the cumulative rental payments often exceed the original cost of the item.

Alternative Options and Cost-Effectiveness 

While Rent-A-Center offers convenience and flexibility, it’s important to weigh these benefits against the high cost. 

Other retailers, second-hand shops, or even online platforms may offer similar products at lower costs. Considering these alternatives could lead to substantial savings.

Personal Preferences and Value Assessment 

Determining the worth of Rent-A-Center’s high costs largely depends on individual circumstances and value perception. 

If the convenience and flexibility significantly improve your living situation or alleviate financial strain, the high cost might be justified. 

However, if you find the cumulative costs prohibitive, seeking cheaper alternatives would be a wise choice.

Top 3 Comparable Alternatives To Expensive Rent-A-Center

Seeking more affordable alternatives to Rent-A-Center? 

Consider other traditional retailers for similar products at lower prices. 

Explore the world of second-hand shops or online marketplaces, and don’t overlook the option of saving until you can buy outright. 

Optimize your budget without compromising your needs.

#1- Traditional Retailers 

Traditional retailers such as department stores or electronics outlets often offer similar products to those found at Rent-A-Center but at lower prices. 

Although these retailers may require an upfront payment, the total cost is usually significantly less. 

You might also qualify for store credit or installment plans, making this option more accessible.

#2- Second-Hand Shops and Online Marketplaces 

Second-hand shops and online marketplaces like Craigslist or eBay often have pre-owned items at a fraction of the original price. 

These platforms can be a great source for affordable electronics, furniture, and appliances. 

You might need to exercise some patience and caution to ensure you’re getting a good deal on a quality product, but the savings can be substantial.

#3- Saving and Buying Outright 

Another alternative to Rent-A-Center’s expensive rent-to-own scheme is saving up and buying the item outright. 

This approach eliminates the interest and fees associated with rent-to-own or credit purchase. 

Though it may require patience and discipline, this method could save you a considerable amount of money in the long run.


In this section, we dive into why Rent-A-Center can be perceived as expensive. The following are some frequently asked questions (FAQs) to help us understand the factors contributing to the cost at Rent-A-Center.

Does the business model of Rent-A-Center contribute to its higher prices?

Yes, the Rent-A-Center business model revolves around rent-to-own agreements. Customers can rent furniture, electronics, and appliances with the option to purchase them over time. Because the company takes on the risk of allowing customers to use items before they are fully paid for, they charge higher prices to offset potential losses from unpaid balances or damaged goods.

Do the payment terms at Rent-A-Center impact its prices? 

Rent-A-Center offers flexible payment terms to customers, allowing them to pay for items over a period of time. While this can make high-cost items more accessible to people who might not be able to afford them otherwise, it also means the overall cost of renting-to-own is higher in the long run compared to outright purchasing the same product.

Does Rent-A-Center provide any additional services that might influence its prices? 

Rent-A-Center includes services such as delivery, setup, repairs, and potential upgrades within the rental agreement. These value-added services are factored into the cost of the rental, contributing to the higher prices.

Does Rent-A-Center’s price reflect the convenience it offers to its customers? 

Rent-A-Center’s prices also reflect the convenience factor they offer. They provide customers the ability to furnish their homes without a large upfront investment and without the need for credit. This convenience is factored into their prices.

Does Rent-A-Center offer different pricing options? 

Rent-A-Center offers different payment plans, allowing customers to choose the option that best fits their financial situation. However, it’s important to note that while these options provide flexibility, the total cost over the life of the rental contract can still be higher than the retail price of the items. This difference can contribute to the perception of Rent-A-Center being expensive.

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