Welcome to Ace Rent to Own

Welcome to the online home of Ace Rent to Own! We pride ourselves on fast and friendly service, an outstanding selection, and making each customer’s interaction enjoyable and easy. This strong commitment to customer service has helped us become one of the best locally owned and operated rent to own companies serving Nebraska and Iowa. Our first store opened in 1982 and our family has been serving your family ever since. We now operate 20 locations, and have expanded our products and services to fit growing and changing customer trends over the years.

We take great pride in being a privately owned rent to own company. This allows our company to show a unique brand of individuality when compared to our national competitors. Our products and services are second to none. Some companies talk about customer service, at Ace, we put our words into action.

We look forward to earning your business and helping you to fill your home with the highest quality, top name brand furniture, electronics, and appliances.

Please click a link below to find out more about the products and services we offer. Then, call or visit us and join the thousands of satisfied customers in Nebraska and Iowa who already appreciate our payment options and benefits.

What is Rent to Own?

The rent to own industry is relatively new to the American economy. The unique “rent to own” transaction sprang up in the 1960s in response to a growing consumer need for acquiring the use of household products without incurring debt or jeopardizing the family’s credit. The rent to own customer comes from all walks of life and desires consumer durable goods in their home without the long-term financial obligations associated with credit sales.

What distinguishes rent to own from a retail credit sale is that there is no interest charged to consumers, no credit is needed, and customers can return the merchandise at any time. This no obligation, no debt feature is the cornerstone of rent to own. It’s easy, it’s safe, and it’s hassle-free. Free replacement, repair, and delivery are included.

Rent to Own Transaction

Rent to own agreements are normally established for weekly, bi-weekly, or monthly payment periods. At the end of the week or month, the customer can either terminate the agreement without any cost or obligation, or renew the agreement by making another rental payment.

If the agreement is renewed a prescribed number of times (we offer periods from 4 to 36 months) and the customer meets the terms of the rental-purchase agreement, the store conveys ownership of the item to the customer.

At the onset of the agreement, the customer is told very clearly what that prescribed number of renewals is, and the total dollar amount in rental payments he or she will have made by the time ownership is an option.

Early Purchase Discount

Every customer has the option of taking advantage of an early purchase discount. Our early purchase option may be exercised at any time during the term of the rental purchase agreement. The early purchase program is an opportunity to buy out each rental purchase agreement early in order to take advantage of cash saving benefits towards ownership. This option may be exercised at any time during the term of the rental-purchase agreement.

Terms of Early Purchase Option

If the Early Purchase Option is exercised in the first 120 days, 100% of the total rental dollars paid will be subtracted from the established cash price of the item. - If the “Early Buy Out Option” is exercised after the first 120 days, there is a substantial discount for paying off early.

RTO Facts

  • The rent to own industry is composed of dealers who rent furniture, electronics, major appliances, computers, custom wheels, tires, and other products with an option to buy.
  • There are approximately 7,500 rent to own and lease to own stores.
  • Rent to own has been an identifiable U.S. industry for more than 30 years.
  • The rent to own industry serves 3 million customers (households) a year.
  • Previously rented items are refurbished and re-rented at reduced rental terms with all the great services of renting new product – free service, free delivery, free loaner, no long-term obligation – just a great way to save money on pre-rented merchandise!