How to Fill Out the Aaron’s Leasing Application: Online and In-Store

You can fill out the Aaron’s lease application online at aarons.com/apply or in person at any Aaron’s store, and a decision usually comes back the same day. Once approved, you have 60 days to pick out merchandise and sign a lease agreement before the approval expires.1Aaron’s. Discover Your Leasing Power Aaron’s markets the program as “No Credit Needed,” but it still pulls information from consumer reporting agencies during review, so accurate answers matter.2Aaron’s. Aaron’s FAQs

What to Have Ready Before You Start

Pulling these together first will keep you from stalling halfway through the form or having to come back to the store a second time.

  • A current government-issued photo ID: driver’s license, state ID, passport, or military ID. This confirms your identity and that you are at least 18.
  • Your Social Security number or ITIN, used for identity verification and to pull consumer reporting information.
  • Proof of income from the last 30 to 60 days, typically recent pay stubs or bank statements showing a steady source. Aaron’s uses this to gauge how large a lease you can support.
  • Proof of residence, such as a utility bill, cable bill, or existing lease agreement. The address should match what you put on the application.
  • Personal references: names and phone numbers of people who do not live with you.

Filling Out the Online Application

Start at aarons.com/apply. The form moves through several screens covering your personal details, employment, income, and references. A few things worth getting right the first time:

  • Enter your legal name exactly as it appears on your government ID.
  • Use your gross (before-tax) income unless the form specifically asks for net.
  • Double-check your phone number and email. Aaron’s uses those to send your decision.
  • Make sure the address on the form matches the proof-of-residence document you plan to submit.

At the end you’ll review your answers and give electronic consent. Under federal law an electronic signature carries the same weight as a handwritten one, so clicking submit is binding.3Office of the Law Revision Counsel. 15 U.S.C. Chapter 96 – Electronic Signatures in Global and National Commerce An online approval is valid at your assigned store location or for online purchases.1Aaron’s. Discover Your Leasing Power

Filling Out the Application In-Store

If you’d rather apply in person, bring your ID, proof of income, and proof of residence to your nearest Aaron’s showroom and tell an associate you’d like to apply for a lease. The associate enters your information into Aaron’s system and walks you through the same questions the online form covers. You’ll sign a paper acknowledgment or use an in-store tablet to authorize the background check. An in-store approval is valid only at that specific store or for online purchases.

The in-person route has one practical advantage: if something on your application needs clarifying, the associate can often resolve it on the spot rather than sending you a follow-up request by email.

What Aaron’s Reviews and How Quickly You’ll Hear Back

Aaron’s does not require an established credit history, but it does obtain information from consumer reporting agencies as part of the approval process.4Aaron’s. What is Rent to Own? This is not the same as a traditional hard credit pull used for a mortgage or car loan. The review is looking primarily at whether your identity and address check out and whether your income can support the payments.

Decisions come back quickly. Many in-store applicants hear back within minutes. Applications that need additional verification can take up to a couple of business days. Aaron’s will notify you by email or phone whether you’re approved, denied, or need to provide more documentation. If more documents are requested, respond promptly, because your approval clock hasn’t started yet and delays can cost you if pricing on the item you want changes.

What Happens After You’re Approved

Approval is good for 60 days.1Aaron’s. Discover Your Leasing Power Within that window you can pick out furniture, electronics, appliances, or computers5Aaron’s. Aaron’s: Rent to Own Furniture, Electronics and Appliances and sign a lease agreement. If the 60 days pass without a signed agreement, you’ll have to reapply.

Once you sign, you’ll pick a payment frequency. Aaron’s accepts monthly payments by cash or card, or you can enroll in EZPay, an automatic payment system that runs on a weekly, biweekly, semi-monthly, or monthly schedule. Automatic payments help you avoid missed due dates and late fees.

Aaron’s includes free delivery and setup on lease merchandise, with 2- to 3-day express delivery available on select items.6Aaron’s. Free Delivery and Set Up You’ll coordinate a delivery window with your local store after approval. Your first lease payment is usually collected at or around delivery to activate the agreement, so be ready for that charge when the merchandise arrives.

Reading the Lease Before You Sign

The application gets you approved; the lease agreement is a separate document you’ll review when you select merchandise. It spells out the number of payments, the amount of each payment, and the total cost of ownership. That total will be higher than the item’s retail cash price. The gap is the premium for the flexibility of leasing, and it’s worth comparing the two numbers side by side before you commit. Sales tax is added on top of each listed payment and varies by state.

Two provisions in the agreement can save you money if you end up wanting to own the item:

  • A Same As Cash option: if you pay the full cash price within a window at the start of the lease, you avoid most of the additional lease costs. The exact window is stated in your agreement.
  • An Early Purchase option: after the Same As Cash window closes, you can still buy the item outright at a reduced remaining balance that decreases the further you are into the lease.

Even if you plan to use one of these buyouts, keep making your regular payments on schedule until the buyout is completed.2Aaron’s. Aaron’s FAQs Call your local store to get the current early purchase price for your account.

If you change your mind, you can return the merchandise and cancel your lease at any time without an early termination penalty by contacting the store tied to your account or calling Aaron’s customer service at 1-800-950-7368. Once the item is picked up and inspected, your payment obligation ends.

Consumer protections on lease-purchase agreements vary by state, and there is no single federal law governing rent-to-own transactions.7U.S. House of Representatives. H.R. 1710 – The Consumer Rental Purchase Agreement Act Most states require the agreement to disclose the total cost to acquire ownership, the cash price, and the number and amount of payments.8Virginia Code Commission. Virginia Lease-Purchase Agreement Act Read those numbers before you sign.