Top-Quality Rent-to-Own Products in Jonesboro, Paragould & Piggott

Look, it's pretty straightforward. You pick out what you need—furniture, appliances, whatever—and take it home today. Then you make small payments every week, every two weeks, or monthly. Your call. Once you've made all your payments (or you decide to pay it off early), it's yours. No hoops. No waiting.

Nope. Not even close. Here's the thing: rent-to-own isn't financing. It's not a loan. You're not borrowing money or racking up debt. You're leasing the item with the option to own it when you're done paying. Big difference. And honestly? That difference matters when life gets unpredictable.

No credit needed. Period. Payless Furniture & Appliances doesn't run credit checks. (I know—refreshing, right?) Approval is based on your income and whether you can make the payments. That's it. Bad credit, no credit, rebuilding credit—doesn't matter. We're focused on what you can do now, not what happened three years ago.

Life happens. We get it. If you miss a payment, just call the store right away. Most of the time, we can work something out—grace periods, payment adjustments, whatever makes sense. And if you need to return the item? You can do that too, no penalty. We're not here to trap you. We're here to help you get what you need without the stress.

Yes. And you should if you can. Most agreements at Payless include an early purchase option. Pay off the balance early, and you'll pay less than the total contract cost. It's a win. You save money, you own it faster, and you're done. Why drag it out if you don't have to?

Depends on your payment schedule and the agreement. Could be a few months. Could be up to 24 months. It varies based on what you're renting and how often you pay. But here's what I've seen: people who stay consistent and use that early payoff option? They own their stuff way faster than they expected.

Same-day or next-day, usually. At Payless, we know you don't want to wait around. You need a couch today, not next week. So we deliver fast—often the same day you approve your agreement, depending on what you ordered and where you are. And yeah, that's a thing people love about us.

Yep. Free delivery. Free setup. Done. We bring it in, set it up, haul away the boxes. Some stores even offer free relocation if you move. (Because moving is already brutal enough without worrying about your furniture.) You don't lift a finger. That's the deal.

Both. Payless Furniture & Appliances carries brand-new items and preleased ones. Preleased just means someone rented it before—it's been inspected, cleaned, and discounted. If you want new, we've got it. If you want to save some cash on a gently used piece, we've got that too. Your choice.

Name brands. The ones you actually recognize. We carry popular brands across furniture, electronics, appliances, and mattresses. Selection varies by store, but trust me—you're not settling for junk. Payless stocks quality stuff because we know it has to last. And because you deserve better than particle board that falls apart in six months.

Call us. We'll fix it or replace it. Free. That's part of the rent-to-own agreement at Payless. If something breaks during your rental period, we handle it. No charge. No runaround. You're covered. It's one less thing to worry about, and honestly, that peace of mind is worth a lot.

Yes. Items are covered during the rental term, and many come with manufacturer warranties too. So you're protected while you're renting, and often after you own it. Double coverage. (Not a bad deal.)

Anytime. No penalty. This is where rent-to-own really shines. If your situation changes—you lose your job, you move, you just don't need it anymore—you can return the item. No questions. No fees. No future payments. You walk away clean. Try doing that with a credit card purchase.

Usually, yes. Payless and most rent-to-own stores offer a reinstatement period—often up to six months—where you can pick up where you left off on the same item or something comparable. Life got messy, you returned your stuff, things stabilized, and now you're ready again? We've got you. It's flexible because life isn't linear.

Yes. Let's be honest about it. Rent-to-own costs more than paying cash up front. But here's what you're getting: flexible payments you can actually afford, no credit needed, free delivery and setup, free repairs, and the ability to return items if life goes sideways. For a lot of people, that trade-off makes sense. You're not just paying for the couch—you're paying for flexibility and peace of mind.

Because debt is exhausting. With a credit card, you're borrowing money. You're paying interest. You're on the hook whether you still want the item or not. And if things go south? That debt follows you. Rent-to-own at Payless is different. Predictable payments. No interest charges. No debt. And if you need to return it, you can. No long-term financial mess. It's a cleaner, safer option for people who don't want to gamble with credit.

Just call the store. Payless offers relocation services, and we can often transfer your agreement to another location if you're moving out of the area. Moving is stressful enough—we're not going to make it harder by forcing you to return everything or start over. We'll work with you.

Yep. You can browse and apply online at Payless Furniture & Appliances, and your nearest store handles the local delivery. It's convenient, it's fast, and you don't have to leave your house to get started. (Though honestly, visiting the store is worth it if you want to see and touch the furniture first. Just saying.)

Yes. You'll need proof of steady income and a valid ID. Payless needs to know you can make the payments. That's it. Bring a recent pay stub, bank statement, or proof of benefits, plus your ID, and you're good to go. It's not a credit check—it's just making sure the agreement works for both of us.

Absolutely. Depending on your income and approval, you can rent a whole living room set, a fridge, a TV—whatever you need—under one agreement. Payless works with you to figure out what makes sense based on your budget. A lot of people furnish their entire place this way. It's doable. And it's way less overwhelming than trying to buy everything at once.