How RTO works

So Much Freedom. So Much Flexibility.


Why wait? Get new and "like-new" home furnishings today from the most-wanted brands. Learn how My Family Home Furnishings and the No-Hassle Guarantee give you flexible options with extra perks, so you can shop with total peace of mind:

No Credit Needed**
No Credit Needed
Up to 6 Months Same as Cash**
Up to 6 Months Same as Cash
Early Purchase Discount
Early Purchase Discount
Competitor Price Match**
Competitor Price Match
No-Hassle Delivery and Set-up**
No-Hassle Delivery and Set-up

About My Family Home Furnishings Products

Just choose the products you want, and we'll give you the freedom and flexibility you need to get it today. No credit needed.**

Plus, we offer product service and repairs at no extra charge for the life of your agreement.**

My Family Home Furnishings Versus Credit


Why is My Family Home Furnishings better than using a credit card? Click here why rent to own to find out.

My Family Home Furnishings vs. Credit Card

Have a Question?


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

Rent to Own in 3 Easy Steps


Rent to own lets you enjoy big-ticket items like furniture, appliances, electronics, computers, and smartphones without paying full price up-front. At My Family Home Furnishings, there’s no credit needed** and no long-term commitment. Here’s how it works.

Step One: Start Your Rent to Own Order


Browse top brands such as Ashley Furniture, Samsung, Whirlpool, and Dell. To get started, click the "Start Your Order" button on any product page.

Having trouble selecting your product? Simply begin your order online or visit the My Family Home Furnishings nearest you and a friendly store associate will help you find products that meets your needs.

Step Two: Complete Your Order with No Credit Needed**


After submitting your online order, expect a call the same day to finalize your order details and set up your rent to own payments and delivery time. Free same-day delivery** is available! If your order is submitted after 5 p.m., we’ll call the next day.

Step Three: Relax & Take up to 6 Months to Pay the Cash Price*


Now it’s time to enjoy the peace of mind that comes with rent to own and My Family Home Furnishings’s No-Hassle Guarantee. With up to 6 Months Same as Cash, you can own it sooner and for less!

Even after your same-as-cash period, you’ll save on your remaining total when you choose to own your item early and take advantage of our Early Purchase Discount.

**No-Hassle Guarantee terms are subject to change. See your agreement 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. My Family Home Furnishings 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 competitors’ 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 competitors’ 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, My Family Home Furnishings 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.

*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.