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Getting Started
Rent to Own gives you the power to shop worry-free, with no credit needed.
- Choose from the best brands: Pick from your favorite furniture, appliances and electronics brands—such as Ashley Furniture, Whirlpool, Samsung, Maytag, LG and HP.
- Choose your payment plan: Select the payment schedule that works best for your budget: weekly, bi-weekly (every two weeks), semi-monthly or monthly.
- Choose your delivery date: We’ll professionally deliver and set up your product at no extra cost – on the same day in most cases.**
It’s easy to get approved — just complete and submit your order online or visit your nearest ZSmart Furniture store, all with no obligation. Learn more about How ZSmart Furniture Works.
No credit history is required, and we do not require a minimum FICO credit score.
All you need is some standard information:
- Personal Info: Name, date of birth, and contact info
- Income Info: Verifiable source of income
- Residence Info: Contact info for your landlord/mortgage company
- 3-5 References: At least two references should be relatives with separate addresses and phone numbers
ZSmart Furniture does report your payment history to the credit bureaus. We know life happens; so, we allow you to return your products at any time without further obligation.
Yes. In fact, we generally offer same-day delivery for products we have in stock to addresses within our standard service area if you complete your agreement before 4 p.m.
Yes, on new agreements. We may adjust the weekly rate, term and/or total price to match a competitors’ advertised price. 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.
Yes. You will be sent an email immediately following your order to confirm that we have received your order and to serve as your receipt. For items requiring delivery, you will be contacted by phone to schedule delivery.
Payments / My Account
New agreements can be started at ZSmart Furniture for as little as $15*
You choose the payment schedule that works for you. You can make your payments weekly, biweekly (every two weeks), semi-monthly or monthly. Your payment schedule can be found on your rental agreement or by contacting your local store.
Contact your local store to request a change to your payment date.
ZSmart Furniture offers multiple ways to pay.
- Pay online.
- Pay in store.
- SMS Payment option
- Automatic credit card runs
- ACH from checking account
After setting up your account, you will need your agreement number to make payments online. This can be found on your rental agreement or can be provided by your local store. Even if you have more than one agreement, you’ll only need one of the agreement numbers.
No, automatic payments can only be set for the standard amounts due on your items based on your pay frequency. If you want to take advantage of Same as Cash or the Early Purchase Discount, contact your local store.
Need a little help? No worries. If you ever need to make a late payment, simply contact the manager of your ZSmart Furniture store on or before your scheduled renewal (payment) date — we’ll be happy to work with you!
Life happens. At any time, you can contact your store manager to schedule a return of your product or return the merchandise in person and pause your payments. When you’re ready, you can come back, reinstate your agreement with the same or comparable item, and pick up your payments right where you left off.
Ownership
At ZSmart Furniture, you have the freedom and flexibility to choose the ownership option that works best for your budget.
- Same as Cash: Own it in the same as cash period and you’ll pay only the cash price, the same-as-cash period varies from 4 months to 6 months, depending on the cost of the item.
- Early Purchase Discount: After your same-as-cash period has ended, you still save on the remaining total if you choose to own your item early. ZSmart Furniture offers discounts on the remaining total. This can vary by state, so be sure to review your agreement.
- Low, Fixed Payment Option: If small payments and flexibility are more your thing, just make your regular rental payments, and you’ll own it at the end of the agreement.
No. In fact, ZSmart Furniture offers an Early Purchase Discount. If you choose to own your item early, you’ll save on the remaining total.
The same-as-cash period is the amount of time you have to pay the cash price (plus taxes and fees) on your agreement. Typically you have bewteen 4-6 months same as cash period depending on the product
After the same-as-cash period has ended, you can still choose to own the merchandise early and save. The Early Purchase Discount is the savings off the remaining total you will receive for completing the agreement early. Log in to your account, check your agreement, or contact your local store for more details.
Products and Product Service
Yes! At ZSmart Furniture, we offer the latest and greatest brand-name items in new condition. In addition, if you’re looking to save even more, we carry previously rented merchandise for up to 75% off when compared to an item in new condition.** All of our previously rented furniture, appliances, computers, electronics, and smartphones go through a rigorous quality inspection process that includes thorough cleaning and testing. Start your order online to have someone contact you or visit your nearest ZSmart Furniture store.
Contact your local store to set up an appointment to service your product.
Yes! If an item breaks during normal use, we’ll repair it quickly and at no additional cost. If offsite repairs are needed, we’ll even give you a loaner while you wait. Contact your ZSmart Furniture store to set up an appointment.
At ZSmart Furniture, you can upgrade at any time. Just contact your store. Your payments will be adjusted based on the new product selected.
Liability Damage Waiver (LDW)
Liability Damage Waiver (LDW) is an optional program that protects you from liability in the event your rental product is stolen or damaged due to natural disaster, fire, or smoke. Without LDW, you are responsible for the cost to repair or replace the stolen or damaged merchandise. By paying a small fee with each rental payment, you pass this responsibility on to ZSmart Furniture, so you can breathe easy!
LDW protects you from a wide range of unexpected events, such as theft, fire, lightning, flooding, and other acts of nature. It does not cover loss or damage from abuse or carelessness.
LDW protection is available to all customers with a current agreement, in all states excluding California.
Most customers still benefit from LDW even if they have homeowner’s or renter’s insurance. Many insurance policies have high deductibles and may not cover rental products. We recommend you check if your insurance will cover the cost to replace or repair rental merchandise and consider the amount of your deductible when deciding whether LDW is right for you and your budget.
ZSmart Furniture Royalty Rewards
ZSmart Furniture Benefits Plus is an optional add-on to your rental agreement. Membership provides a host of money-saving opportunities for items you would purchase anyway. Member benefits vary by state, but these are a few examples of what may be available where you live.
- Royalty Rewards Loyalty Point Program: As a Royalty Club member, you can earn Royalty Rewards just for making your payments on time. Royalty Rewards can be redeemed for $50 gift cards from many different vendors.
- Courtesy Waiver: This benefit helps your family through a difficult time by having your account balance waived in the event of the untimely passing of an eligible member listed on the agreement(s).
- Paid-out Product Service Protection: Receive service on your paid-out merchandise for up to one year after ownership if you maintain membership in the Royalty Club. Protection is provided against product failure and mechanical breakdown of the merchandise not caused by external conditions.
- Dental Care Savings: Save an average of 15% – 50% on your family’s dental needs by visiting one of the participating dentists.
- Prescription Savings (Open Formulary): Save 15%-60% on most short term and acute care prescriptions such as antibiotics and pain killers at participating pharmacies and 30% – 70% off mail order retail prices.
- Vision Care & Eyewear Savings: Save up to 35% off normal retail prices on frames (complete pair) and up to 20% off lens add-ons. Participating companies include Pearle Vision, JCPenney Optical, Lenscrafters and more.
- Lab Service Discounts: This benefit provides direct access to discounted lab work – no doctor’s appointment necessary. The savings range from 20% – 80% off typical lab charges.
- Diabetic Supplies Savings: As a member, you and your immediate family save 40% -60% on diabetic supplies, including test strips and more. Simply order by phone or online.
- Pet Prescription Discounts: Save money while caring for your pets when you fill their prescriptions at participating pharmacies.
- Nurse Helpline: This benefit offers you the opportunity to consult with a registered nurse by calling a toll-free number at any time of the day or night, 365 days a year, concerning any medical or health related issues.
- Discounts & Deals: Save up to 50% with our online deals and for local discounts use the free My Deals app.
- Rebates on Gasoline, Groceries & Utilities: Put money back in your wallet with up to $200 in annual rebates on everyday purchases such as gas, groceries and utilities.
- Grocery Coupon Savings: Pay for your membership every month by printing money-saving coupons. The best part is that you are selecting coupons for the items that you plan on buying.
- Roadside Assistance Savings: When you need roadside service, one call sends help and you pay a discounted rate.
- Car Service Discounts: Save 5% – 15% when you show your membership card to participating Jiffy Lube®, Meineke, AAMCO or MAACO service locations.
- Rental Car Savings: Receive exclusive discounted rates when you reserve your rental car at participating AVIS®, Hertz®, National®, Alamo® and Budget locations.
- Hotel Lodging Discount: Save 15% off published rates when you book a Choice Hotel by phone or online using your exclusive discount code.
- 1-800-flowers.com® Discount: Save 20% every time you order flowers and/or gifts through 1-800-flowers.com. Order by phone or online by providing the code included in your membership material.
- Entertainment Savings: Save on tickets for select amusement parks, movie theaters, sporting events, concerts and more.
*These benefits are NOT insurance. Not all members are eligible for all benefits. Some state specific restrictions may apply to some benefits. See membership agreement for limitations, exclusions and restrictions.
Please ask any of our associates about our Royalty Rewards program.
Marketing
For text messages reply “stop” or “unsubscribe”. For emails follow the link at the bottom of the email.This is typically how we communicate our weekly specials to our customers. These saving can be huge.So stay opt’d in.
We apologize for any inconvenience. Email may have been mistakenly sent to your spam or junk folder. Please go to your spam/junk folder and mark it as ‘not spam’. If you’re still not receiving ZSmart Furniture’s emails, sign up for specials to re-register.
