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How to Own it

How to
Own it
How Does Aaron’s Same as Cash Option Work?
Is Aaron's Lease to Own Complicated?
What Do I Need to Get Started With Aaron's?
What Does Aaron's Mean By Total Cost of Ownership?
How Does Aaron's Low Price Guarantee Work?
I Really Don't Need Credit At Aaron's?
Is Previously Leased Merchandise Discounted?
Why Choose Lease Ownership Over Credit Financing?
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Our Difference:
We help people "Own it."

The most important difference between Aaron’s and other stores is that Aaron’s gets it - we know that you don’t want to just lease it, you want to Own it. And we are really good at it. Since 1955 Aaron’s has helped tens of millions of customers achieve ownership by leasing to own without needing credit.

How do we do it?
We work with you. If you ever think you may have difficulty making an on-time payment, just talk to us. We will try our very best to find a way to make it work for you, so you will be able to make it to your final payment and Own it.

Our Promise:
Satisfaction Guaranteed

“We promise your total satisfaction by always providing the highest level of service, a large selection of name brand products and a low price guarantee†.”

Our goal is Simple:
Treat every customer like family. We listen, we care, and we are ready to work with you.

Aaron's is Easy...
and Affordable

At Aaron’s, leasing makes it easy to own whatever you need for your home without needing credit. Instead of credit, you can get affordable payments by providing your source of income, residence and a few personal references.* It typically takes only a few minutes to fill in the basic information. We verify the information you provide and that’s it. You are approved. Easy... and Affordable.

There’s No Credit Needed

Aaron’s specializes in helping people own without needing credit. Our lease ownership plans allow you to make affordable monthly or semi-monthly payments without the long-term obligation that comes with using credit. Aaron’s is able to approve you, without credit, because Aaron’s doesn’t offer credit – you don’t borrow money from Aaron’s, you lease to own.

Shop In Store or

Whether you shop in-store or online, there’s no credit needed, free delivery and set-up for leased merchandise - and you get flexible payment options with no hidden fees.

Aaron’s has nearly 2000 stores staffed by nice, knowledgeable people who are ready to work with you. If you prefer shopping online, Aaron’s is the leader in leasing to own merchandise online. We make it easy to shop, get approved, and make your payments online.

Flexible Payment Options

At Aaron’s, you choose the lease ownership plan that best fits your budget:

12 Months
The 12 Month plan offers the lowest total cost of lease ownership.

18 Months
The 18 Month plan provides a lower payment and a low total cost of lease ownership.

24 Months
The 24 Month plan – our most popular plan – provides the lowest payment possible. Most people choose monthly payments, but if you prefer, you can choose semi-monthly (2 payments per month).

Plus 120 Days Same as Cash:
If you decide to pay it out within 120 days, we’ll waive the entire cost of lease services++. A limited number of stores offer 90 days Same as Cash instead (check with your local store), and for California residents, it’s 90 Days Same as Cash.++

Lifetime Reinstatement. It’s Peace of Mind.

At Aaron’s, your lease includes what we call “Lifetime Reinstatement”. That means if you elect to return your merchandise before you complete all of your payments, you never have to give up what you invested into the merchandise. Anytime later - weeks, months, even years - you can pick back up where you left off with the same or similar condition merchandise with no penalties. When you’ve made all of the remaining payments, you Own it.

Free Delivery & Set-up

Here’s another way Aaron’s saves you money. When you lease with Aaron’s, delivery and set-up are free. Experienced product techs will arrive promptly and assemble, connect, test, demonstrate, place your product where you want, and of course, clean up before they leave.* In stock merchandise can usually be delivered the same day if you order IN STORE by 4:00PM. If you would like us to order something for you, most items can be delivered to your home within 3 to 5 business days.

Product Service & Repair Included

Here’s another great way Aaron’s saves you money. Whether you choose new or previously leased merchandise, while you are making payments to Aaron’s, you never have to worry about unexpected costs for service or repair. If you have a problem, Aaron’s will promptly dispatch a repair technician at no additional charge. Plus, a natural disaster waiver is included too, in order to protect you in the event of fires or floods. When you pay out your lease, we even provide you an additional 60-day limited extended warranty (not available in NC). Some restrictions apply, so see your Store Manager for details.

No Hidden Fees

At Aaron’s, we make everything easy to understand. No surprises. When you are considering a product in-store or at, you’ll know your monthly payment, the number of payments, the cost of lease services, and the total cost of lease ownership. No hidden fees… no surprises.

Pay It Out Early and Save

Aaron’s is serious about saving you money. Whichever plan you choose, you can pay it out as quickly as you like – the sooner you pay it out, the more you save on the cost of lease services.

1 Taxes and applicable fees calculated at store.

2 Group pricing may vary based on availability of individual items.

This Quote does not constitute a lease agreement or a receipt of purchase. You must provide qualifying information to lease the merchandise and complete an approval process, which includes but is not limited to completing a Lease Order Form and providing a verified source of income, residence, and three references. Prior to receipt of the merchandise, accepted applicants must sign a Lease Agreement and other documentation, which contain additional terms. The transaction advertised is for a rental purchase agreement, lease purchase agreement, rent to own agreement, consumer rental purchase agreement, lease agreement with an option to purchase or lease where applicable. Ownership of leased merchandise is not acquired until you pay the Total Cost of Ownership for Term or you exercise an early purchase option. Ownership is optional. The Quote is valid through the end of the current month or shorter period specified for special promotional offers. Not all services and benefits available in all states. Some transactions may require an additional delivery fee. Not responsible to print or typographical errors. All merchandise is new, unless marked pre-leased or clearance. Prices, certain brands, and models may vary at some stores. Advertised savings compared to normal monthly lease rate over full term of lease agreement. Advertised savings and lease rates valid only at participating locations. Limited quantities available of some merchandise. No rainchecks on special promotional offers. MA & RI EPO = total cash price less 50% of lease portion of total initial payment and renewal payments made. Aaron’s requires a minimum lease period of 4 months and 15 days on all 12 month leases, 5 months on all 18 month leases, and 6 months on all 24 month leases in the following states: AK, CO, CT, DE, HI, NE, NH, NJ, NY, OK, OR, SC, VT, WY. Tax amounts are estimates and may vary. Group pricing may vary based on availability of individual items

Aaron's, Inc., Furniture Rent & Lease, Atlanta, GA

*"Gets You Started" offer does not reduce the total cost of ownership. Not all merchandise qualifies for offer. Normal monthly payments will begin on date and in amount stated in agreement. Normal monthly payments depend on merchandise selected. Offer does not apply to online orders with monthly payment more than $139.99.  Online offer only applies to agreements that are completed online for select merchandise, and does not apply to online quotes. Other restrictions apply. 

*Transaction advertised is for a rental purchase agreement, lease purchase agreement, consumer rental purchase agreement, rent to own agreement, lease agreement with an option to purchase, or lease where applicable.  Ownership of leased/rental purchase merchandise not acquired until all required payments are made or early purchase option is exercised. Ownership is optional. Not all services and benefits or merchandise available in all states/provinces. Delivery fee may apply to cash purchase. Set-up does not include connection of gas or water. Merchandise selection, including prices, brands, and models, may vary at some stores and online. Merchandise advertised is new, unless marked pre-leased. Leasing online is not available in all areas or in Canada. Advertised savings based on total number of months to own. Advertised savings and lease payments valid only at participating stores while supplies last. Limited quantities available of some merchandise. No rainchecks on special promotional offers. MA & RI EPO = total cash price less 50% of lease portion of total initial payment and renewal payments made. In NC the final payment will be an amount greater than the normal monthly payment as stated in the lease agreement. Aaron's has no control over and cannot influence how credit bureaus treat information. Not responsible for typographical errors, or computer error, electronic or technical malfunctions or failures of any kind with promotions. Lawn mowers and Lawn tractors are excluded from Lifetime Reinstatement benefit. Web based services and content require high speed internet and separate third party paid subscriptions. Some restrictions apply. 

Delivery time depends upon inventory availability in local area, freight schedules to local stores, and in some cases the shipping address. Delivery may be delayed if Aaron's cannot confirm customer's information or cannot reach customer to arrange delivery. Aaron's may exclude merchandise from Express Delivery (where available) due to local merchandise restrictions at our discretion. Same day delivery limited to in-stock merchandise ordered by 4 p.m. with approved agreement.

EZ Pay requires credit or debit card and Authorization Form for automatic payments. Card will be charged in amounts and on dates explained in Authorization Form. If card payment is declined for any reason, customer must make alternative payment arrangements for on-time payment. At participating stores only. Some restrictions apply.

ΛU.S. - 6 Months Same as Cash  - Ends March 31, 2018.  For new agreements with payment option longer than 6 months, if you payout your merchandise within 180 days you will pay the cash price, plus tax and applicable fees (if any).  Not all stores participating.  Online eligibility is based on delivery address and assigned store. If special offer does not apply to delivery address and assigned store, Aaron's standard same as cash benefit will apply.

Canada - 120 Days Same as Cash -For new agreements with payment option longer than 6 months at a participating store, if you payout your merchandise within 120 days, you will pay the cash price, plus tax and applicable fees (if any). 

"No Credit Needed" does not mean or imply that no inquiry will be made of credit history or creditworthiness. It means that this is not a credit transaction. Aaron's may check credit history and creditworthiness, but no established credit history is necessary. Aaron's minimum lease requirements include, but are not limited to, a verified source of income, residence, and 3 references. Leasing online requires additional information.

LOW PRICE GUARANTEE applies in-store only to identical merchandise (for example, brand, make, model, warranty, features, and accessories) from Local competitor in stock and available today comparing Aaron's total cost of lease ownership to Local competitor's advertised total cost of lease ownership valid on day you lease from Aaron's. Claims for $100 cash must be made on day of lease and requires a copy of offering Local competitor's advertisement or price ticket for such identical merchandise. Low Price Guarantee does not apply to website prices, limited quantity sales, pricing errors, mail-in offers or rebates, competitors' service prices, clearance, or out-of-stock and open box items. "Local competitor" means specialty lease to own stores within a 25 mile radius of Aaron's store requested to price match. See store for additional details.

©2018 Aaron's, Inc. All Rights Reserved.




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