Rent-to-own furniture, appliances, and electronics
Behind on a rent-to-own payment? Know your rights before you panic.
Falling behind on rented furniture, appliances, and electronics is stressful, but you usually have more protection than the store lets on. Start with the question that's worrying you most.
First, the short version:
a rent-to-own company generally cannot enter your home without permission,
and in most states simply missing payments is a contract matter — not theft.
The exact rules depend on your state.
- Most urgent
Can they repossess — or charge me with theft?
What a rent-to-own store can and cannot do when you fall behind, and whether missing payments is ever a crime.
- Your state
Rent-to-own laws where you live
Reinstatement windows, "paid enough to own it" rules, fee caps, and home-entry limits — state by state.
- Free tools
Have I paid enough to own it?
A private calculator and a reinstatement-letter generator. Everything runs in your browser — nothing is sent or saved.
- Know the deal
Store lease vs. checkout "lease-to-own"
How traditional rent-to-own and point-of-sale lease-to-own agreements work — and why the difference matters.