How RTO works
Shop without the restrictions big-box retailers put on you and your budget. With the My Family Home Furnishings No-Hassle Guarantee, enjoy the power to get the things you want, pay the way you can afford and live life on your terms:
No Credit Needed No Credit Needed**
No credit? No problem. Just make small payments on your path to ownership. Choose from weekly, bi-weekly, semi-monthly, and monthly payment options.
6 months same as cash 6 Months Same As Cash**
Own it in the first 6 months and you'll pay only the cash price. In CA, HI, NY, & WV, the same-as-cash period varies from 4 months to 6 months, depending on the item.
early purchase discount Early Purchase Discount
Even after your 6-month same-as-cash period has ended, you'll save on your remaining total when you choose to own your item early. No penalties, no extra fees - you're in total control of how much you save and when you reach ownership.
competitor Price Match Competitor Price Match**
We are committed to offering you the best deal possible. That's why we'll match any rent-to-own competitor's price on the same, in-stock item.
No Hassle Delivery and Setup No Hassle Delivery and Setup**
Shop elsewhere and you'll likely pay a hefty fee to get your new product home, and then you're left to set it up on your own. At My Family Home Furnishings, you can relax. Your item will be professionally delivered and set up at no extra charge** – on the same day in most cases.

Have a Question?

Visit our FAQs or send a message to our My Family Home Furnishings Customer Care representatives.

The No-Hassle Way to Rent to Own

We understand that making decisions about rent-to-own items like computers, furniture, appliances, electronics and smartphones is a big deal. That’s why our No-Hassle Guarantee allows you to get it now and own your item when you're ready, while remaining in control of your budget.

Three No-Hassle Ways to Own

At My Family Home Furnishings, you control how much you save and when you reach ownership on your favorite brands like Ashley Furniture, Samsung, Whirlpool, and Dell. You choose the ownership option that best fits your budget.

  • 6 Months Same As Cash.** You have 6 months to pay the cash price. Our same-as-cash option is the fastest path to ownership and your biggest savings. In CA, HI, NY, & WV, the same-as-cash period varies from 4 months to 6 months, depending on the item.
  • Early Purchase Discount.** Even after the same-as-cash period, own it early and save on the remaining total. The savings amount varies by state, but most My Family Home Furnishings locations offer a 50 percent savings on the remaining total. (Ask an associate or check your agreement to confirm your state's Early Purchase Discount.)
  • Low, Fixed Payment Option. If smaller payments are the best option for your budget, just make your regular rental payments and you'll own your item at the end of your agreement. You'll get closer to ownership with each payment!

On your path to ownership, you're covered with Payment Protection. You can pause payments with no penalties. Return your product, and you won't lose the money that you've paid. When you're ready, get the product back (or comparable item) and pick up where you left off.**

Plus, enjoy other perks included with your agreement such as product service and repairs at no extra charge for the life of your agreement.**

*The advertised transaction is a consumer rental-purchase agreement. You will not own the merchandise until the specified weekly or monthly payments are made or the early payout option is exercised in full. "Total of All Payments" does not include applicable sales taxes or optional fees and other charges (such as late charges) that you may incur. *Ownership is optional. *Products may vary in rate and term. Items on this website may not be available: check your local stores for details. Initial payments may vary by promotion. Advertised payments based on Weekly/Monthly Terms and rates are subject to change without notice: see store for all current terms and availability. Merchandise advertised is new; products in store may be new or pre-leased. Total cost of ownership varies by product. All advertised offers good while supplies last. Setup of product does not include connecting gas or water. *Not responsible for typographical or printer error. *While we aim to present accurate and reliable information on this website, we do not endorse, approve or certify such information nor does it guarantee the accuracy completeness efficacy or timeliness of such information. The product images shown may represent the range of product, or be for illustration purposes only and may not be an exact representation of the product colours of products may also appear different to those shown on the site. We recommend that customers unfamiliar with the products please do visit your local store accordingly. Product packaging and material may contain more and/or different information from the website, including the product description, country of origin, nutrition, ingredient, allergen, and other information. Always read labels, warnings, and directions and other information provided with the product before using or consuming a product. For additional information about a product, please contact the manufacturer. We reserve the right to change any advertised price before accepting an order. Items with a previous price refer to prices we have previously sold the same product. All products are subject to availability and may be withdrawn at any time. If your order cannot be fulfilled you will be offered an alternative or given a refund for the unavailable product(s). **No-Hassle Guarantee terms are subject to change. See your contract for specific terms and conditions. No credit needed does not mean or imply that no inquiry will be made of credit history or creditworthiness. We may check past transactional history, but no established FICO score or credit history is necessary. Rental agreement requires, at minimum, verification of residence, income, and 4 personal references. 6 Months Same as Cash period ends 184 days after start of the new agreement. 4 Months Same as Cash period ends 123 days after start of the new agreement. "Free Same-Day Delivery" applies to in-store agreements completed before 4 p.m. for in-stock items and delivered to addresses within the normal service area of the store. Some exceptions may apply. Store services and maintains the merchandise while on rent; set-up does not include connection of gas appliances. See Store Manager for complete details. Competitor Price Match offer valid on new agreements only. Price match may adjust the weekly rate, term and/or total price to match our rent/lease to own competitor's advertised prices. The item must be the identical item, size, model number, quality and condition. The entire printed ad, online price or digital version of the ad must be presented for proof of competitor's price. The price of the item must be listed and valid at the time of price match. We reserve the right to verify a competitor's advertised price and the availability of the item. Offer valid on in-stock items only. For model upgrades, simply return the product you are currently renting and open a new agreement for another model. You can return your product and pause your payments. To restart an agreement on a returned product, we will retain your payment records for two years. Thereafter, simply bring in your last payment receipt for reinstatement. Beats, Beats by Dr. Dre and the circle b logo are registered trade and service marks of Beats Electronics, LLC. PS4 logo is a trademark of Sony and Xbox One logo is a trademark of Microsoft. Intel, the Intel logo, the Intel Inside logo and Intel Core are trademarks of Intel Corporation or its subsidiaries in the U.S. and/or other countries. Other trademarks, registered trademarks and/or service marks, indicated or otherwise, are the properties of their respective owners.