Are you thinking of renting products and wondering ‘Can you rent to own at Rent A Center without a check stub?'

Are you thinking of renting products and wondering ‘Can you rent to own at Rent A Center without a check stub?’

All that Rent-A-Center requires from its pending customers is a verifiable source of income, which can be anything from check stubs to a letter of employment. Proving your earnings is an integral part of the process to ensure a seamless rental experience.

In this article, we at Check Stub Maker will guide you through renting products from Rent-A-Center using our online paystub generator and other financial documents.

Whether you’re looking to furnish your home or upgrade your gadgets, we’ll show you how to do it with ease and confidence.

What this article covers:

Do You Need a Check Stub to Rent to Own at Rent-A-Center?

You typically need a check stub to rent to own at Rent-A-Center as part of verifying your income.

While Rent-A-Center doesn’t require credit checks, proving your earnings through a minimum pay stub for renting or other financial documents is needed to ensure you meet your payment obligations.

Through our practical knowledge, this process helps streamline your rent-to-own agreement for Rent-A-Center’s various products.

At Check Stub Maker, we’re here to support you in this endeavor, ensuring that you have the necessary documentation to move forward with confidence.

What Information Will I Need To Rent From Rent-A-Center?

Here’s a breakdown of the information you’ll need when utilizing Rent-A-Center:

Personal Info

You need to present the following information about yourself:

  • Name: State your full legal name in your application.
  • Date of birth: You must be 18 years or older to enter into a rent-to-own agreement with Rent-A-Center.
  • Contact Info: All you need is a valid phone number and email address.

Income Info

Based on our first-hand experience, a verifiable source of income is essential for Rent-A-Center agreements.

This demonstrates your ability to make regular payments, even if you rent without check stubs and use other financial documents for proof of earnings instead.

The documents you need in this instance may include:

  • Pay Stubs: Your recent paystubs from us at Check Stub Maker can serve as proof of your earnings. After trying out this product, our pay stubs commonly contain information related to you and your employer, your pay period, gross wages, tax deductions, hours worked, and net pay.
  • Bank Statements: Using your bank statements can further verify your financial stability.
  • Employment Letter: This is an official letter from your employer which details your employment status and the amount you earn. Additionally, you can supply Rent-A-Centre with your employment contract or a letter of offer if you’re a new employee.
  • Tax Documents: IRS tax documents such as Form 1040 or 1099 can be used to show your annual income. They also give excellent breakdowns of your total earnings in the form of wages, salaries, tips, and tax deductions.
  • Social Security Benefits Statement: This is only applicable if your primary source of income stems from your Social Security benefits. Some common examples of these benefits provided by the Social Security Administration (SSA) are retirement annuities, disability grants, and Medicare.
  • Workers’ Compensation Letter: This letter demonstrates how much you’re paid in case of injury and you require compensation as a result.
  • Unemployment Statement: This letter will suffice if you receive unemployment insurance benefits as a source of wages as prescribed by the Department of Labor.
create paystubs

Residence Info

This usually entails supplying contact information for your landlord or mortgage company if you rent property.

Based on our observations, this helps Rent-A-Center verify your current living situation in case there are payment issues and you need to be contacted.

2-4 References

Rent-A-Center requires at least two references from relatives, preferably ones with separate addresses from you and each other, to ensure reliability and accountability.

At Check Stub Maker, we understand the importance of providing accurate and verifiable proof of income when applying for rent-to-own agreements.

If you’re wondering, ‘How can I create a pay stub?’, our easy-to-use paystub maker helps you generate professional pay stubs which can accompany your Rent-A-Center’s application process.

Whether you’re an independent contractor, small business owner, or employee, our payroll services can help you prove your earnings, making your rent-to-own journey smoother.

Proof of Income Letter Template for Rent-A-Center

Securing a rent-to-own agreement with Rent-A-Center often requires proof of income in the form of a formal letter to guarantee your ability to make regular payments.

Proof Of Income Template


Your Name

Your Address

City, State, Zip

Phone Number

Email Address


Employer’s Information

Employer’s Name or Company Name

Employer’s Address

City, State, Zip

Employer’s Phone Number

Employer’s Email Address


To Whom It May Concern,


I, [Your Name], am writing this letter to verify my current employment status and income as required. This letter serves as a formal declaration of my earnings to support my application for [specific purpose, e.g., renting appliances, a loan application etc].

Employment and Income Details:

  • Employment Status: [Full-time/Part-time/Contractor] since [Employment Start Date].
  • Position: [Your Job Title] in the [Department/Section].

Salary Information:

  • Annual Gross Salary: $[Annual Salary] USD
  • Monthly Gross Income: $[Monthly Salary] USD
  • Additional Compensation (If Applicable): [Description and amount of any additional compensation, such as bonuses, commissions, overtime pay, etc.]

Additional Verification

I am currently employed by [Employer’s Name or Company Name], and my employment is expected to continue for the foreseeable future.

Attached, please find documentation supporting this letter, including recent pay stubs and bank statements, to further verify my income.


Should you require any further information or verification, please do not hesitate to contact [Employer’s Name or HR Department] at [Employer’s Phone Number] or [Employer’s Email Address].

Thank you for your attention to this matter.


[Your Signature (if sending a hard copy)]

[Typed Name]


  • Pay stubs (last 3 months)
  • Bank statements (last 3 months)
  • Any other relevant financial documentation

If you’re using relatives as references to verify your ability to make payments to Rent-A-Center, you can adjust the above template accordingly. All you need to do is replace your employer’s information with that of your relatives instead.

Our template is designed to meet Rent-A-Center’s requirements, simplifying the rent-to-own process. It’s an efficient way to present information about your earnings, reflecting reliability and trustworthiness.

For more details on how to make paystubs to accompany a proof of income letter, we at Check Stub Maker are your go-to payroll resource.

Rent-A-Center FAQs

Let’s look at how Rent-A-Center operates and its credit requirements.

How Does Rent-A-Center Work?

Rent-A-Center offers a convenient way to furnish your home or upgrade your electronics and appliances through its rent-to-own agreements.

It’s a straightforward process in which you:

  • select your item
  • agree on a rental plan
  • make regular payments

This purchasing option allows you to take home the items you need immediately, with the option to own them in the future.

Based on our observations, this transactional model is perfect for those who need immediate use of household items but prefer to spread out the cost over time.

No long-term commitments are required, which gives customers flexibility regarding their payments.

Do I Need A Good Credit Score To Rent From Rent-A-Center?

Rent-A-Center operates on a ‘no credit needed’ policy. Instead, they focus on your income and employment status to ensure you have the means to meet your payment obligations.

Our research indicates that this approach opens doors for people who might otherwise be excluded from traditional financing options due to their credit history.

At Check Stub Maker, we support this inclusive approach by providing an easy-to-use pay stub generator that can help you prove your wages when applying for a rent-to-own agreement with Rent-A-Center.

can you rent to own at rent a center without a check stub


So, can you rent to own at Rent A Center without a check stub? The simple answer is ‘yes’, but a check stub is still one of the best ways to verify your income for rental agreements.

Whether you’re eyeing that comfy sofa or the latest gadget, proving you have the funds to pay for it is key. And for that, we’re here to help.

Try out our user-friendly payroll services to create pay stubs here at Check Stub Maker. Together, we can make your rental dreams come true, one pay stub at a time.

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