Rent-to-own laws compared, state by state
This table pulls the key rent-to-own protections from each state's own statute into one place, so you can see at a glance how your state compares. Every entry links to the full state guide with its statute citation and the date we last verified it.
| State | Reinstatement | Paid enough to own? | Fee caps | Home entry | Deficiency | Criminal? |
|---|---|---|---|---|---|---|
| Alabama | Yes, 5-day window | Alabama is an option-to-purchase state, not a 'you own it after X%' state. A rental-purchase agreement is one that permits the consumer to become the owner of the merchandise, and the store must disclose the total number of payments and the total amount needed to acquire ownership; you do not get ownership rights unless you complete those terms (Ala. Code §§8-25-1, 8-25-2). | The Act does not set a dollar cap on late charges or reinstatement fees; §8-25-4 expressly leaves them to the agreement. It does cap one thing: if the store sells you insurance or a waiver of liability, that charge can't exceed 15 percent of the rental payment, and it must be disclosed as optional (§8-25-3). | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Alaska | Yes | You own the property once you've made the full total of payments necessary to acquire ownership, which the store must disclose up front (Alaska Stat. §§45.35.010, 45.35.099). The agreement has to permit you to become the owner, and you're never obligated to keep leasing beyond the current period. | A store may not charge more than $5 for each late payment, and it can't count any time the item was repossessed or voluntarily surrendered when deciding whether a payment is late (Alaska Stat. §45.35.030). To reinstate, you pay the past-due and next scheduled payments, pickup and redelivery costs if applicable, and any late fee. There is no separate reinstatement fee on top (§45.35.050). | No home entry without your permission | Not allowed | Not for the debt. Whether keeping the item is theft is fact-dependent; there is no specific statute. |
| Arizona | Yes | Arizona blocks surprise costs at the end: a store can't require an extra payment beyond your regular payments to acquire ownership, or require payments totaling more than the amount disclosed to own the item (Ariz. Rev. Stat. §44-6805). | Reinstatement fee capped at $5 | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Arkansas | Yes, 5-day window | Arkansas is an option-to-purchase state, not a 'you automatically own it after paying X%' state. A rental-purchase agreement is a true lease; title stays with the lessor until it's transferred to you (§4-92-104). The agreement lets you become the owner but never obligates you to buy or to keep leasing after the initial period (§4-92-102(7)). Your agreement must disclose the total number of payments and total amount needed to acquire ownership (§4-92-105(b)(3)). | The Rental-Purchase Agreements law does not set a dollar cap on late charges or reinstatement fees; it expressly says nothing in the reinstatement section prevents the lessor from charging accrued late charges or reinstatement fees (§4-92-106(b)). The agreement must disclose the amount and purpose of any charge or fee beyond the regular rental payment (§4-92-105(b)(4)). | No home entry without your permission | Not specified | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| California | Yes, 365-day window | California sets the early-purchase price by formula: in the first few months, the cash price plus any past-due fees minus everything you've already paid; after that, the cash price times (payments remaining ÷ total payments) (Cal. Civ. Code §1812.632). | California charges no reinstatement fee. A late fee can't exceed the lesser of 5% of the payment or $5 (a $2 minimum may apply), and a security deposit can't exceed one month's rent (Cal. Civ. Code §§1812.624, 1812.626, 1812.625). | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Colorado | Yes, 60-day window | You can acquire ownership at any time after your first lease payment, on the terms set in your agreement (C.R.S. §5-10-501). A store can't make you pay more than the cost to acquire ownership, or tack on a separate balloon payment to own it (§5-10-503). | Reinstatement fee capped at $5 | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Connecticut | Yes, 30-day window | You own the item once 50% of the rental payments you've made equals the cash price, and you can buy it early at any time for the cash price minus 50% of your previous renewal payments (Conn. Gen. Stat. §§42-248, 42-249). | Reinstatement fee capped at $5 | No home entry without your permission | Not allowed | No. Missing payments is civil, and keeping the item is not treated as theft here either. |
| Delaware | Yes | After ~60%: Paying more than 60% toward ownership extends your reinstatement window after returning the item to at least 180 days, instead of 60. You can also buy the item early for 55% of the difference between the total needed to own it and what you've already paid (6 Del. C. §§7607, 7609). | Reinstatement fee capped at $5 | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Florida | Yes, 60-day window | Florida is an option-to-purchase state: you own the item once you pay all the sums needed to acquire it, or by using the early-purchase price formula your agreement must disclose. Once you do, the lessor must give you documents confirming ownership (§§559.9233, 559.9236). | Reinstatement fee capped at $5 | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Georgia | Yes | Georgia is an option-to-purchase state, not a fixed-percentage state. The agreement must disclose that the lessee may purchase the property during the lease term and at what price, formula, or method the price is determined, along with the total 'cost of lease' to acquire ownership (O.C.G.A. §10-1-682(a)(9),(10)). You acquire ownership by completing the payments needed to own the item or by exercising the disclosed early-purchase option. | Reinstatement fee capped at $5 per missed payment | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Hawaii | Yes, 30-day window | After ~60%: Paying more than 60% toward ownership extends your reinstatement window after returning the item from 30 days to 60 days (Haw. Rev. Stat. §481M-15). You can also buy the item early for past-due amounts plus the cash price times (payments remaining ÷ total payments) (§481M-6). | Reinstatement fee capped at $5 | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Idaho | Yes | You acquire ownership by completing the disclosed total of payments; your agreement must disclose any early-purchase option and its price or formula (Idaho Code §28-36-105). | Idaho requires late, default, pickup, and reinstatement fees to be separately disclosed in the agreement (Idaho Code §28-36-105); the act doesn't set fixed dollar caps, so read your contract's fee terms closely. | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Illinois | Yes, 30-day window | After ~60%: Paying 60% or more toward ownership extends your reinstatement window after returning the item to at least 60 days, instead of 30 (815 ILCS 655/2). Illinois also bars a store from requiring any extra balloon payment at the end beyond the disclosed total. | Reinstatement fee capped at $5 | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Indiana | Yes, 120-day window | You own the property once you've made all the rental payments needed to acquire ownership, or you can use an early purchase option to acquire ownership at any time after the agreement is signed, on the terms the contract has to state (Ind. Code §24-7-4-1). A store can't make you pay more than the cost to acquire ownership stated in your agreement (§24-7-4-11). | Reinstatement fee capped at $5 | No home entry without your permission | Not allowed | Not for the debt. Whether keeping the item is theft is fact-dependent; there is no specific statute. |
| Iowa | Yes, 60-day window | Iowa bars surprise balloon payments: you can't be required to make a payment more than twice a regular rental payment to acquire ownership, or to pay more than the disclosed cost to own the item (Iowa Code §537.3610). | Reinstatement fee capped at $5 | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Kansas | Yes | You acquire ownership by completing the disclosed total of payments your agreement must state. | Kansas's act doesn't set a fixed reinstatement-fee dollar cap in the sections reviewed; a reinstatement requires past-due charges, the reasonable costs of pickup and redelivery, and any applicable late fee (Kan. Stat. Ann. §50-686). | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Kentucky | Yes | You don't own the property until you've made the full number and total of payments necessary to acquire ownership. The store must disclose those payment terms up front, along with a clear summary of your options to purchase (Ky. Rev. Stat. §§367.976, 367.977). | Kentucky's rental-purchase law doesn't set a fixed dollar cap on late or reinstatement fees; to reinstate you pay the past-due rental charges, the reasonable costs of pickup, redelivery and any refurbishing, plus any applicable late fee (Ky. Rev. Stat. §367.980). | No home entry without your permission | Not allowed | No. Missing payments is civil, and keeping the item is not treated as theft here either. |
| Louisiana | Yes | You acquire ownership by completing the disclosed total of payments. Louisiana requires fees such as late, default, pickup, and reinstatement charges to be separately disclosed in your contract (La. R.S. §9:3355). | Louisiana requires late, default, pickup, and reinstatement fees to be separately disclosed in the contract (La. R.S. §9:3355); the sections reviewed don't set a single fixed dollar cap, so read your agreement's fee terms closely. | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Maine | Yes | After ~50%: Maine caps the total of payments to own at twice the cash price, and you own the item outright once 50% of your payments equals the cash price. You can also buy it early for the cash price minus 50% of what you've already paid (Me. Rev. Stat. tit. 9-A §11-114). | Late fee capped at the greater of 5% of the payment or $3, once per payment (§11-110); initial administrative fee no more than $15; delivery no more than $30 for three or fewer items (or $60 for four or more); payment pickup fee no more than $7.50 (§11-111). | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Maryland | Yes | You acquire ownership by completing the disclosed total of payments your agreement must state. | Reinstatement fee capped at $5 | No home entry without your permission | Not allowed | Not for the debt. Whether keeping the item is theft is fact-dependent; there is no specific statute. |
| Massachusetts | Yes | A Massachusetts consumer lease is defined as an arrangement that permits you to become the owner of the property (Mass. Gen. Laws ch. 93, §90). The statute sets the framework but leaves the specific terms for reaching ownership to your agreement, so read it to see what completing the payments gets you. | Massachusetts's consumer-lease law doesn't set fixed dollar caps on late or reinstatement fees; those come from your agreement. A reinstatement requires past-due payments, the renewal payment, any late fee, and pickup/redelivery costs (§92B). | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Michigan | Yes, 90-day window | After ~45%: You acquire ownership by paying the disclosed 'amount necessary to acquire ownership,' which Michigan's law requires the agreement to state up front. By law that buyout can be no more than the cash price minus 45% of the periodic payments you've already made, and once 45% of your total payments equals the cash price, ownership passes to you automatically (Mich. Comp. Laws §445.954). | Michigan doesn't add a separate flat reinstatement fee, but it caps the late fee at the greater of $10 or 5% of the missed payment, charged only after a payment is 5 days late (monthly or less frequent) or 2 days late (more frequent) (Mich. Comp. Laws §445.958). | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Minnesota | Yes, 60-day window | After ~60%: Paying more than 60% of the total of payments needed to acquire ownership extends your reinstatement window to at least 180 days after you return the item, instead of 60 days (Minn. Stat. §325F.90). | Reinstatement fee capped at $5 | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Mississippi | Yes, 5-day window | Mississippi is an option-to-purchase state, not a 'you automatically own it after paying X%' state. A rental-purchase agreement is defined as one that permits you to become the owner of the property (Miss. Code §75-24-153). You own the item once you've paid the total amount necessary to acquire ownership, or by using the early-purchase price the agreement must disclose (§75-24-159). | Mississippi's Rental-Purchase Agreement Act does not set a dollar cap on the reinstatement fee, but it limits how fees can stack: an agreement can't impose a late charge or any other penalty for reinstating beyond the reinstatement fee itself, and only one reinstatement fee may be charged per periodic payment, no matter how long it stays unpaid (Miss. Code §75-24-161). The store must disclose any reinstatement, delivery, and pickup fees up front (§75-24-159). | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Missouri | Yes | You own the item after completing the disclosed total of payments. Missouri bars a store from requiring any extra balloon payment at the end to acquire ownership, or from requiring rental payments greater than the total needed to own it (Mo. Rev. Stat. §407.662). | Reinstatement fee capped at $5 | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Montana | Yes | You acquire ownership by completing the disclosed total of payments your agreement must state. | Montana's act requires charges to be disclosed in your agreement; the sections reviewed don't set a single fixed dollar cap, so read your contract's fee terms closely. | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Nebraska | Yes, 30-day window | After ~60%: Paying more toward ownership lengthens your reinstatement window after returning the item: 90 days once you've paid 60–80% of the total, and 180 days at 80% or more (Neb. Rev. Stat. §69-2108). You can also buy the item early. | Reinstatement fee capped at $5 | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Nevada | Yes | You don't own the leased property until you've made all the payments necessary to acquire ownership (Nev. Rev. Stat. §597.030). | Nevada's lease-purchase law doesn't set fixed dollar caps on late or reinstatement fees in the sections reviewed; reinstatement requires past-due charges, the reasonable costs of returning and redelivering the property, and any applicable late fee (Nev. Rev. Stat. §597.070). | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| New Hampshire | Yes | Your agreement must disclose an early-purchase option and the price or formula for it; you acquire ownership by completing the disclosed total of payments (N.H. Rev. Stat. §358-P:4). | Reinstatement fee capped at $5 | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| New Jersey | Not specified | There is no statutory ownership-percentage threshold, because New Jersey has no rent-to-own act setting one. When you own the item is determined by your contract's terms, typically after you complete the disclosed payments or exercise an early-purchase option if the agreement offers one. | New Jersey sets no statutory cap on rent-to-own reinstatement fees, late fees, or other charges, because it has no rental-purchase statute imposing one. Charges are governed by the contract. A charge or practice that is unconscionable or deceptive in connection with the sale or advertisement of merchandise could still be challenged under the Consumer Fraud Act (N.J.S.A. 56:8-2). | No home entry without your permission | Not specified | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| New Mexico | Yes | You don't own the goods until you've paid the total amount necessary to acquire ownership, which the store has to disclose, and your agreement must spell out your purchase option, including the right to an early purchase option and the price or formula for it (NMSA 1978, §57-26-5). A store can't make you pay more than the disclosed amount needed to acquire ownership, or add an extra payment to own them (§57-26-6). | New Mexico's act doesn't set a fixed dollar reinstatement-fee cap, but it bars more than one reinstatement fee on any single payment, and it bars any late charge or other penalty for reinstating beyond a single reinstatement fee (NMSA 1978, §57-26-6). A store also can't require you to buy insurance or a damage waiver from it. | No home entry without your permission | Not allowed | No. Missing payments is civil, and keeping the item is not treated as theft here either. |
| New York | Yes | New York uses an early-purchase option: you can buy the item early by paying any past-due amounts plus the cash price multiplied by (payments remaining ÷ total payments). You also own it once you make all the scheduled payments (N.Y. Pers. Prop. Law §§501, 504). | Reinstatement fee capped at Greater of 10% of the late amount or $3 (weekly) / $5 (monthly) | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| North Carolina | Not specified | There is no statutory ownership-percentage threshold, because North Carolina has no rent-to-own act setting one. When you own the item is determined by your contract's terms. Separately, N.C.G.S. §25A-2(b) treats a lease or bailment as a credit sale only when the customer is bound to pay a sum substantially equal to the goods' value and gets ownership on full compliance; an ordinary rent-to-own deal that renews period by period, where you are never obligated to keep paying, generally falls outside that provision. | North Carolina sets no statutory cap on rent-to-own reinstatement fees, late fees, or other charges, because it has no rental-purchase statute imposing one. Charges are governed by the contract. A charge that is unfair or deceptive in or affecting commerce could still be challenged under the Unfair and Deceptive Trade Practices Act (N.C.G.S. §75-1.1). | No home entry without your permission | Not specified | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| North Dakota | Yes | You acquire ownership by completing the disclosed total of payments your agreement must state. | A late fee can't exceed the greater of $3 or 5% of the delinquent lease payment (N.D. Cent. Code §47-15.1-05). | No home entry without your permission | Not allowed | Not for the debt. Whether keeping the item is theft is fact-dependent; there is no specific statute. |
| Ohio | Yes | Ohio gives you a built-in early-buyout credit: you can purchase the item at any time for the difference between its cash price and 50% of the payments you've already made, and you acquire ownership once 50% of your lease payments equals the cash price (Ohio Rev. Code §1351.06). | Reinstatement fee capped at $5 | No home entry without your permission | Not allowed | No. Missing payments is civil, and keeping the item is not treated as theft here either. |
| Oklahoma | Yes, 30-day window | You don't acquire ownership until you've met the ownership terms of your agreement: the total number and amount of payments needed to own the item, which the store must disclose (Okla. Stat. tit. 59, §1954(B)). The agreement also has to spell out your purchase-option rights, so you can buy it early on the disclosed terms. | Oklahoma's act doesn't set fixed dollar caps on late or reinstatement fees, but a rental-purchase agreement may not require a fee that exceeds the range usually or customarily charged for similar products or services (Okla. Stat. tit. 59, §1954(C)). Any insurance or liability-damage waiver the store offers has to be optional and clearly disclosed as optional. | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Oregon | Yes | You acquire ownership by completing the disclosed total of payments your agreement must state. | Reinstatement fee capped at $5 | No home entry without your permission | Not allowed | No. Missing payments is civil, and keeping the item is not treated as theft here either. |
| Pennsylvania | Yes | A rental-purchase agreement must let you acquire ownership at any time after your first payment, at a price or formula stated in the agreement, and it has to come with a chart showing the buyout amount after each payment (42 Pa.C.S. §6905). The total cost of lease services can't exceed the cash price of the property. | A late fee can only be charged once a payment is 5+ days late (monthly) or 2+ days late (more frequent), and it can't exceed the greater of $5 or 10% of the past-due payment (42 Pa.C.S. §6904). A store also can't charge you a fee for retrieving the property or for terminating or rescinding the agreement, and an in-home payment-collection fee is allowed only if it was disclosed and you agreed to it. | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Rhode Island | Yes | Your agreement includes an early-purchase option, and you acquire ownership by completing the disclosed total of payments (R.I. Gen. Laws §6-44-6). | Reinstatement fee capped at $5 | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| South Carolina | Yes, 60-day window | At any time after your first payment, you can buy the item early by tendering 55% of the difference between the total of scheduled payments and what you've already paid, so the further along you are, the less the early buyout costs (S.C. Code §§37-2-702, 37-2-713). Otherwise you own it once you've completed the total of scheduled payments. | South Carolina caps the charges in a rental-purchase deal: a delinquency charge of no more than $4 (monthly or less often, after 5 business days) or $2 (more frequent, after 3 business days); an initial nonrefundable fee of no more than $5; a delivery charge of no more than $15 (or $45 for more than five items); and a pickup charge of no more than $7, limited in how often it can be assessed (S.C. Code §§37-2-705, 37-2-706). Apart from these, an agreement can't charge you for a default (§37-2-707). | No home entry without your permission | Not allowed | No. Missing payments is civil, and keeping the item is not treated as theft here either. |
| South Dakota | Yes | You acquire ownership by completing the disclosed total of payments; your agreement must also disclose an early-purchase option and the price or formula for it (S.D. Codified Laws §54-6A-5). | South Dakota requires late, default, pickup, and reinstatement fees to be separately disclosed in the contract (S.D. Codified Laws §54-6A-5); the chapter doesn't set fixed dollar caps, so read your contract's fee terms closely. | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Tennessee | Yes, 5-day window | Tennessee is an option-to-purchase state: you own the item once you make the number and total of payments needed to acquire ownership, which the agreement must disclose up front (§47-18-604). Paying a larger share also lengthens how long you have to reinstate after returning the item — at least 90 days once you've paid 60%, and at least 180 days at 80% (§47-18-607). | Tennessee does not set a fixed dollar cap on the reinstatement or late fee. Instead, on reinstatement the most a store may charge is all past-due rental charges, the reasonable costs of pickup, redelivery, and any refurbishing, and any applicable late fee (§47-18-607). Late-payment, default, pickup, and reinstatement fees have to be disclosed separately from the total of payments (§47-18-604). | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Texas | Yes, 30-day window | You can't be required to pay any extra balloon payment at the end, or to pay more than the disclosed total to acquire ownership of the merchandise (Tex. Bus. & Com. Code §92.054). You own it once you've made that disclosed total. | Reinstatement fee capped at $10 | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Utah | Yes | You acquire ownership by completing the disclosed total of payments; your agreement must also disclose an early-purchase option and the price or formula for it (Utah Code §15-8-6). | Utah requires late, default, pickup, and reinstatement fees to be separately disclosed in the agreement (Utah Code §15-8-6); the act doesn't set fixed dollar caps, so read your contract's fee terms closely. | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Vermont | Yes | At any time after your first payment, you can buy the item early for the cash price minus 50% of your previous payments, so the more you've paid, the cheaper it is to own it (9 V.S.A. §41b). | Beyond fee limits, Vermont focuses heavily on collection conduct (see repossession), capping how a merchant can contact you about an overdue account. | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Virginia | Yes | Virginia requires your agreement to disclose an early-purchase option and the price, formula, or method for it; you acquire ownership by completing all the scheduled payments (Va. Code §59.1-207.21). | Virginia's act doesn't set fixed dollar caps on late or reinstatement fees; those come from your agreement. A reinstatement requires past-due charges, reasonable pickup/redelivery costs, and any applicable late fee (Va. Code §59.1-207.23). | No home entry without your permission | Not allowed | No. Missing payments is civil, and keeping the item is not treated as theft here either. |
| Washington | Yes | Washington follows the standard lease-purchase model: you acquire ownership by completing all the scheduled payments, and your agreement must disclose the total cost to own and any early-purchase option (RCW 63.19.040). | Washington's lease-purchase law doesn't set fixed dollar caps on late or reinstatement fees; those are set in your agreement. It does limit what a reinstatement can require to past-due charges, reasonable pickup/redelivery costs, and any applicable late fee (RCW 63.19.060). | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| West Virginia | Yes, 60-day window | After ~40%: Paying more than 40% of the payments needed to own the item extends your reinstatement window from 60 days to 90 days after falling behind (W. Va. Code §46B-3-4). | Reinstatement fee capped at $5 | No home entry without your permission | Not allowed | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Wisconsin | Yes, 15-day window | Wisconsin treats a qualifying rent-to-own as a consumer credit sale in which you become the owner once you complete the agreement's terms (Wis. Stat. §421.301(9)). There is no statutory ownership percentage — the share that makes you the owner is set by your own contract. (A separate 60% figure appears in the deficiency rules: after a repossession of goods, no deficiency is owed on smaller debts unless you had paid less than 60% of the cash price, §425.209(2) — that is about what you can be charged, not about ownership.) The [ownership calculator](/tools/ownership-calculator/) can help you see how far along you are. | The Wisconsin Consumer Act does not set a fixed dollar cap on a reinstatement or cure fee the way a dedicated RTO act does. To cure a default you tender the unpaid installments due plus any unpaid delinquency or deferral charges the agreement lawfully imposes (Wis. Stat. §425.105(2)); delinquency charges themselves are limited by the Act (see ch. 422). No acceleration is allowed as part of a cure (§425.105(2)). | No home entry without your permission | Not specified | Not for the debt, but keeping the item and refusing to return it can be charged as theft. |
| Wyoming | Yes | Your agreement has to disclose your option to purchase, including the right to an early purchase option and the price, formula, or method for buying the item early (Wyo. Stat. §40-19-107). A store can't require a larger final 'balloon' payment to own it, or make you pay more than the disclosed amount necessary to acquire ownership (§40-19-108). | A reinstatement fee can only be charged if a payment is more than 5 days late on a monthly agreement (or more than 2 days on a more frequent one), and reinstatement and pickup/redelivery fees can't exceed the maximum set by state rule (Wyo. Stat. §40-19-108). No extra late charge or penalty may be added for reinstating, beyond that reinstatement fee. | No home entry without your permission | Not allowed | No. Missing payments is civil, and keeping the item is not treated as theft here either. |
"Not specified" means the state's rental-purchase statute is silent on that point — it does not necessarily mean a store can do whatever it wants, since other consumer-protection and debt-collection laws may still apply. See each state guide for detail.
Use this data
This is original, maintained data compiled from each state's official statute. You're welcome to use and cite it with attribution — it's a free resource for legal-aid organizations, advocates, and journalists.
Suggested citation: Rent-to-Own Rights, "Rent-to-Own Consumer Protections by State," stoprenttoownrepo.com.
Consumer information, not legal advice. For your situation, consider speaking with a licensed attorney or a local legal-aid office.