What Happens If You Don’t Pay Rent A Center?

What Happens If You Don’t Pay Rent A Center?

What Happens If You Don’t Pay Rent A Center?

Rent-A-Center will assist customers who notify them before the possibility of missing or delayed payments. If you do not inform Rent-A-Center about the situation. the company could begin to act within one business day after the first payment late. The company will then begin charging late fees to your account. The company will attempt to contact you and your references.

In extreme instances, the business could have to take you before a judge to request the judge order you to pay. For more information about Rent-A-Center’s policies on late and missed payments, please read below.

What If I Fail To Pay Rent A Center?What If I Fail To Pay Rent A Center?

  • You’ll be assessed for the late fee

If you don’t pay rent on time at an establishment, the company will charge you for late payments. The purpose of these charges is to encourage renters to pay their rent on time so that they can reduce the cost later. The charges are listed in the lease agreement and should be communicated in advance of the start of the lease.

If you’re making your first attempt at renting from Rent-A-Center, likely, you’re not sure of the services you’ll receive. Renting is straightforward and requires submitting a simple form online or at a location close to your home. If you’re accepted, Rent-A-Center will then provide you with a barcode that will take your payment. Then, you can go to the nearest Rent-A-Center location to pay cash, ensuring that your debit or credit card will be credited within minutes.

If you want to return the item, you must go to the same location and take it. Once you’ve received the item, you can hold off on payment until it’s due. You can also purchase a replacement product at the same price instead.

If you’re confident about the return policy, it is advised to call Rent-A-Center ahead of making changes. Thus, you’ll have the ability to be certain that you’re covered, and your business won’t have issues in getting its debt paid.

Some customers have complained about Rent-Acenter’s harsh collection techniques. Ohio Attorney General Mike DeWine says that Rent-A-Center has been accused of harassing various customers due to insufficient payments. Russell Hay, a Columbus, Ohio, resident, was stunned to discover that his parents, who were elderly, received calls from the company after renting an item. Still, they did not repay the loan fully and returned the object. The calls continued until he contacted his office at the attorney general for the state.

  • You will be assessed a fine as an amount of penalty

According to the place you live in, the place you reside, your residence or property, if it is on a lease agreement with Rent-A-Center, It is possible that you are caught in the middle of a snarky criminal incident. It is possible to; for example, you’ll be asked to pay a cost to service or be left with an unreliable item that’s not worth your attention. To make matters worse, you’ll get bombarded with unwanted phone and email messages. One benefit is that you’ll be able to get back the device and save yourself from the pain of a heart attack.

  • It will cost you interest

If you’re considering buying an apartment for rent, you might be wondering what the consequences could be if you couldn’t make rent payments on time. The good news is that many landlords will work with you to reach an agreement that will benefit all. You could even get a full month of rent at no cost! If you’re not able to pay your bill the full amount or in time, If you’re in a position to pay in installments, the payment plan might be the most suitable solution.

  • Extra Cost

The late charge is a fee that is charged to clients who are not able to pay their debts on time. The late fee is outlined in the agreement between the lender and the customer sign and is intended to encourage the borrower to make the payment on time.

Typically, late fees are added to the outstanding balance on the credit card or other loans. However, they could also be charged to other financial agreements, such as insurance or rental policies. These late fees are specified in the loan agreement and must be reasonable and not overly expensive.

Contact your creditor and ask them not to charge late fees in the case of an error not made by mistake or if you’ve paid punctually for a prolonged period. Many creditors will accept this request, provided you can explain the late payment and ask them to erase the credit report.

If you’re late again during the subsequent two billing cycles, the cost can be as high as $41, but it’s impossible to exceed the minimum amount you must pay. This could be an excellent incentive to avoid missing payments, as suggested by Chane Steiner, the director of Crediful.

If you are considering renting from Rent-A-Center, It’s important to know what happens if you do not pay. It could lead to severe negative consequences, which could include a greater expense as well as the potential to be accused of a crime. This is particularly true when you’ve never used the rent-to-own service before.

What Is The Best Way To Rent An Area?What Is The Best Way To Rent An Area?

The process of renting the center is straightforward. It is possible to apply for the item to be accepted and then take it home the following day.

1. Submit your order

You could either mail your inquiry to the nearest rent-a-center store or on their website. To confirm your identity, information about your residence address and your earnings may be required.

2. Payment plan

You’ll be able to accept the payment plan. The majority of the time, it’s in installments. It can be weekly, bi-weekly, or monthly. It is essential to start by making a downpayment of $10, which depends on the state you live in.

3. Delivery

Delivery will occur within the next working day following the day that the purchase was accepted. Additionally, you can benefit from the after-sales free service. This may include transportation to set up the item and repairs at no cost after the purchase date.

Rent-A-Center Policy for Non-Payment

If you cannot pay your Rent-Acenter lease, the company recommends that you first contact them to inquire about any possibilities you could have. The company may be able to talk the options with you if they’re only likely to be in a short time or are facing financial difficulties. The time that you’ll be delayed is dependent on how the managers of your shop operate and will differ from store the store. If you can’t pay regularly, the best solution is to return the product. If you don’t take this step and it isn’t done, you could incur costs and legal consequences.

To know more about how Rent-A-Center manages late payments, we called the hotline to get customer support. They advised us that every situation is unique and is treated by the particulars of Rent-A-Center. For instance, we were informed that if a brand new client is not paying making their initial payment, Rent-A-Center is going to make every effort to notify them promptly because a late payment is considered suspicious.

Late Fees

Rent-A-Center offers late fees for payment that is not made. The late charge amount is outlined in your rental contract according to Rent-A-Center’s terms and conditions for processing payments. The fee varies based on the location of the agreement, the type of item and also the condition (new and used), and the cost of the purchase. The customer support representatives told us that if we speak with your local Rent-A-Center, they could assist you in eliminating the late charge or waive the fee altogether. However, they weren’t able to reveal the average amount for late fees.

If you fail to make a payment on time, late charges begin accruing on the first day of business and continue to accrue until you bring payments to your current account. Rent-A-Center generally does not offer grace periods under lease agreements. Numerous customers have complained that within just a month, Rent-A-Center representatives began calling regarding late payments.

You aren’t able to credit your lease from Rent-A-Center The company won’t make any reports of missed or late payments to credit bureaus.

Legal ActionLegal Action

If you do not choose to pay Rent-A-Center, the charges largely depend on the laws in the particular state. Most of the time, Rent-A-Center will try to call customers who aren’t making payments. If you can’t pay the payment due, Rent-A-Center will first try calling you directly. The company will then contact the references you listed on the lease application. Rent-A-Center might also visit the address you specified in your lease form.

If Rent-A-Center cannot contact you, they may take action of legality in civil courts. The company can pursue legal action when you stop paying your charges. The court will determine the number of damages owed or provide a different option. If Rent-A-Center wins in the trial, the judge’s decision is an easy one of damages that exceed the amount that you are owed by Rent-A-Center. If you’re unable to pay the amount due and the court will permit wage garnishments to recuperate the amount owed.

In other situations, the court’s rulings could be followed by fines and penalties, or in the worst cases; clients could face jail time. There are laws to prevent individuals from being sentenced to prison time for failing to pay civil debts. However, certain judges in states have come up with ways to evade the law. For instance, a court might order the customer to attend a hearing or make a payment. If the client doesn’t follow the court’s directions or pay the fine, then the court could give an order of arrest. Following the arrest, a bond is determined at the same amount as stipulated in the court’s order. The client is required to pay a fee for release.

It’s not possible in all states. Some states have laws that are strict that permit residents to use rent-to-own, which makes it difficult to serve prison. Contact the attorney general’s office in your state to learn more about the laws governing civil debt.

Alternative Options in case you’re unhappy with renting a center.

Shop online

Numerous online stores offer discount coupons to buy furniture and other home appliances. Some of them include Amazon, Brad’s Deals, Wayfair and Overstock. These are the top place to buy furniture at a reasonable price.

Holiday sales

The sales for holidays, such as Black Friday and the 4th of July sales, could allow you to save between $100 and $200 on just one purchase. The biggest discounts are typically made available during these events. It is recommended to lay on your back for a few weeks to save hundreds.

The credit card that has an APR of 0%

It’s not the best choice for those with high credit scores. It’s an excellent alternative to leasing the store. It’s possible to purchase urgently using a 0% interest credit card.

Resale shops

There are many ways to save money on used and gently used products. They are available on sites such as the Facebook marketplace and other shops that resell. The items are generally in good shape and an excellent choice to lease the center.

Options for payment at rent A centerOptions for payment at rent A center

There are many ways to pay a lease at the rental center.


Even though some establishments aren’t equipped to accept cash, you can pay bills in cash by leasing an office.

You’ll require the bar code, which is provided digitally to you, to pay for transactions. Visit your nearest shop to scan the bar code and transfer the funds. The account you’ve created will be immediately credited.


Contact the local rental center’s customer service. They will assist you with making payments using Visa or MasterCard. A $1.99 fee for convenience may be added to the bill.


To make payments in person, you must go to the location where you signed your contract.


First, install the rental center application. Next, you’ll need to sign up for an account using the agreement code assigned to you. After you’ve logged into your account, follow these simple instructions for making payments on your rent.

The advantages of rent-to-own services


Due to the absence of a better word, let’s simply say it’s simple. This is the reason that draws the attention of many common folks. It’s the chance to purchase costly products without paying the entire amount.

All you need to do is to establish that you earn income and then pay the initial amount. It’s, however, not the best alternative as you’ll have to pay more at the end because of the interest expense.

Not available credit score

A lot of rental companies are known for their flexibility in credit scores. It is not necessary to have credit scores to purchase an item.

All you require to have is an income source with some references as well as the address of your residence. Credit information is used to verify your financial records. The leasing company may or may not record your transactions on credit reports.

You’re covered

Most rent-to-own stores will deliver the items that you rent to your house. They’ll even set them up for you free of charge. Customers are also covered from any cost for repair or replacement when the item is damaged within the time of payment.

Disadvantages of rent-to-own services

Doesn’t help you build your credit score

Some rental businesses allow your credit card payment to credit reports. Others do not. While this might be a pleasant experience for those who are fortunate, for others, it’s not. Renting a center is a great illustration of a rental store that won’t help build credit scores.

In the end cost, it is expensive

Everybody agrees that the things you buy from rental shops are extremely costly. It’s due to the excessive interest rates they charge for rentals. The repayments are divided into installments to appear cheaper, but it’s not.

Look at the costs of items sold on rental-to-own websites and platforms such as Amazon & eBay. The price differences are shocking. Many believe the appealing after-sales support options make up for the higher prices. But, if you’ve got too many, it’s too expensive!

The contract terms are not clear

This is where the issue is. Many customers have complained about being bound to lease agreements with their leasing company due to their inability to grasp the bidding agreement.

Unfortunately, many businesses appear to gain from this. They create confusing terms or vague guidelines but cannot explain them to their clients.

The result is a customer locked in a lease agreement without an exit plan. Of course, leasing companies earn money.


If I don’t pay Rent A Center, what happens?

Rent A Center may charge late fees, make collection efforts, and take back the goods you have rented from them if you don’t pay.

If I don’t pay, may Rent A Center file a lawsuit against me?

Absolutely, Rent A Center has the right to sue you and seek a judgment to recover the debt if you default on your payments.

Would my credit score be impacted if I don’t pay Rent A Center?

Indeed, not paying Rent A Center might lower your credit score as they could notify credit bureaus of your default or late payments.

If I return the thing I rented from Rent A Center instead of paying, what happens?

If you return the item you leased through Rent A Center without paying, you could still be responsible for any unpaid rent, fees, or repairs to the item.

Can Rent A Center take back the things I leased with no prior notice?

No, Rent A Center must follow particular state rules and regulations and provide you notice before taking back the things you leased.

If I can’t afford to pay Rent A Center, what can I do?

Try to work out a payment plan or other arrangements with Rent A Center if you are unable to pay them in full. To help you manage your debt, you can also look for guidance from a credit counselor or financial advisor.