Where to pay your Rent-A-Center account
You can pay your Rent-A-Center bill online through their website, by phone, in person at a store, or by mail. The fastest way is usually the website or a store visit, since payment posts the same day. Phone and mail payments take longer to process — typically one to three business days.
To pay online, log into your account at rentacenter.com using your account number and PIN or password. The site will show your current balance, due date, and payment history. You can pay with a debit card, credit card, or bank account. If you do not have an online account set up, you can create one using your account number and the phone number on file.
To pay by phone, call Rent-A-Center's customer service line at 1-800-537-1476. A representative will take your payment information over the phone. Have your account number ready. You can pay with a debit card, credit card, or bank account.
Paying in person at a Rent-A-Center store
Walk into any Rent-A-Center location and tell the associate you want to make a payment. Bring your account number or the bill itself. You can pay with cash, debit card, or credit card. Payment posts immediately, so your account updates the same day.
Store hours vary by location. You can find the nearest store and its hours on rentacenter.com by entering your zip code. Some locations are open seven days a week, while others close on Sundays or have shorter weekend hours.
Paying by mail
Write a check or money order payable to Rent-A-Center and mail it to the address printed on your bill. Include your account number on the check. Mail payments typically take five to seven business days to reach the processing center and post to your account, so send payment well before your due date if you want to avoid a late fee.
Do not send cash through the mail. If you are paying by check, keep a copy or note the check number for your records.
What happens if you miss a payment
Rent-A-Center charges a late fee if your payment does not arrive by the due date shown on your bill. The late fee amount varies by state and is listed in your rental agreement. Late fees typically range from $5 to $15 per missed payment, though this varies.
If you miss a payment, Rent-A-Center may also report the delinquency to a credit reporting agency, which can lower your credit score. After a certain number of missed payments — usually two or three — Rent-A-Center may repossess the item you are renting. The exact number of missed payments before repossession happens depends on your rental agreement and state law.
If you are having trouble making a payment, contact Rent-A-Center as soon as possible. Some locations may work with you on a payment plan or extension, though this is not may provide.
Understanding your bill and payment due date
Your Rent-A-Center bill shows the weekly or bi-weekly payment amount, the due date, any fees, and your account balance. Payment is usually due on the same day each week or every two weeks, depending on your rental agreement. The due date is printed on every bill and also shown in your online account.
If your due date falls on a weekend or holiday, payment is typically due the next business day. If you pay online or in person, confirm the payment posted before the due date to avoid a late fee. Mail and phone payments can take several days to process, so send or call well in advance.
Setting up automatic payments
You can set up automatic payments through your online account to have your payment deducted from your bank account or card on the same day each week or month. Log into rentacenter.com, go to your account settings, and select the automatic payment option. You will need to provide your bank account number and routing number, or your debit or credit card information.
Automatic payments reduce the risk of forgetting a due date and incurring a late fee. You can change or cancel automatic payments at any time through your online account or by calling customer service.
Paying off your rental early
You can pay off your rental agreement early by paying the remaining balance in full. The amount you owe depends on how many payments you have made and the terms of your agreement. Contact Rent-A-Center by phone, online, or in person to find out your payoff amount.
Some rental agreements include a rent-to-own option, which means you can own the item once you have made all scheduled payments. Other agreements are month-to-month rentals with no ownership option. Your agreement will state which type you have. If you want to end the rental early without paying it off, you can return the item to a store, though you will lose any payments already made.
Key Takeaways
- You can pay your Rent-A-Center bill online, by phone, in person at a store, or by mail, with online and in-store payments posting the same day.
- Late fees are charged if payment does not arrive by the due date, and the amount varies by state but typically ranges from $5 to $15.
- Missed payments can be reported to credit agencies and may result in repossession of the rented item after two or three missed payments.
- Automatic payments through your online account reduce the risk of missing a due date and can be changed or canceled at any time.
- You can pay off your rental early by contacting Rent-A-Center for your payoff amount, or return the item to end the rental without paying the balance.
Frequently Asked Questions
Can I pay my Rent-A-Center bill with a credit card?
Yes, you can pay with a credit card online, by phone, or in person at a store. Some payment methods may carry a processing fee depending on how you pay, so ask before completing the transaction if you want to know the exact cost.
What should I do if my payment was not posted to my account?
Check your online account or call customer service to confirm the payment status. If you paid in person or online, it should post the same day. If you paid by mail or phone, allow three to five business days. If the payment still does not show after that time, contact Rent-A-Center with your payment confirmation number or check number.
Can I change my payment due date?
Contact Rent-A-Center by phone or in person to ask about changing your due date. Some locations may be able to adjust the date to match your pay schedule, though this depends on your rental agreement and the store's policies. Call 1-800-537-1476 or visit a local store to discuss your options.
What happens if I return the item before finishing all payments?
You can return a rented item to any Rent-A-Center store at any time. Once you return it, the rental ends and you owe nothing further. However, you will not receive a refund for payments already made, and you will not own the item.
Is there a penalty for paying off my rental early?
No, you can pay off your rental agreement early without penalty. Contact Rent-A-Center to find out your exact payoff amount, which will be less than the total of all remaining scheduled payments. Once you pay the balance in full, the rental ends and you own the item if your agreement includes a rent-to-own option.