Your local rent-to-own That Grows Your Home

Here's the thing: you pick out what you need—furniture, appliances, whatever—and take it home today. No waiting. You make small payments weekly, biweekly, or monthly. Once you've made all your payments (or you decide to pay it off early), it's yours.
Simple as that.

Nope. Not even close.
This isn't financing. There's no loan, no credit card, no approval process that makes you feel like you're applying for a mortgage. You're leasing the item with the option to own it when you're done paying. That's it. No debt hanging over your head.

No credit required. Honestly, we don't even check it.
What matters? Income. Can you make the payments? That's what we care about. Bad credit, no credit, rebuilding credit—doesn't matter. If you've got steady income, you're good.

Life happens. We get it.
If you miss a payment, just call the store. Most of the time, there's a grace period or we can work something out. And if things get really tight? You can return the item without penalty. No collections, no hit to your credit. (Because again, this isn't a loan.)

Yes. And you should if you can.
Most agreements have an early purchase option—meaning you pay less than the full contract price if you settle up early. It's a win if you come into some extra cash or just want to own it outright.

Depends on your payment schedule and the agreement. Could be a few months. Could be up to 24 months. But here's the thing—you're using it the whole time. So even if it takes a year, you're not waiting around. You're living with it, using it, making it yours.

Same-day or next-day in most cases.
We're not talking about waiting two weeks for a delivery window. You need a couch today? Let's make it happen. (Availability depends on the item and where you are, but we move fast.)

Yep. Free delivery, free setup.
We bring it in, set it up, haul away the boxes. Some stores even offer free relocation if you move. Because the last thing you need when you're getting new furniture is more hassle.

Both.
Growby's carries new items and what we call "preleased" items—gently used, inspected, and discounted. If you want brand new, we've got it. If you want to save some money and don't mind preleased, that's an option too. Your call.

Name brands. The stuff you actually want.
We're talking furniture, electronics, appliances, mattresses—popular brands people recognize and trust. Selection varies by store, but we're not stocking junk. We carry what works.

Call us. We'll fix it or replace it. Free.
That's part of the deal. While you're renting, repairs and service are covered. Something stops working? We handle it. No trip fees, no repair bills for covered issues. (And yeah, that's a thing people forget about when they buy outright—if it breaks, you're on the hook.)

Yes. Items are covered during the rental term, and many come with manufacturer warranties too.
So you're protected while you're renting, and if there's a manufacturer warranty, that kicks in once you own it. Double coverage.

Anytime. No penalty.
This is one of the biggest differences between rent-to-own and financing. If your situation changes—you lose your job, you move, you just don't need it anymore—you can return it. No future payments, no collections, no mess. You walk away clean.

Usually, yes.
Most 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 had to return it, but now you're back on your feet? We'll work with you.

Yes. Let's be honest about that.
If you can pay cash, you'll pay less. But here's what you get with rent-to-own: flexible payments, no credit needed, free service and repairs, and the ability to return it if things go sideways. For a lot of people, that's worth it. You're not just paying for the item—you're paying for flexibility and peace of mind.

Because credit cards are debt. Rent-to-own isn't.
With a credit card, you're borrowing money. Interest piles up. If you can't pay, your credit takes a hit and you're stuck with the bill. With rent-to-own, you've got predictable payments, no interest, and if you need to, you can return the item and walk away. No long-term financial mess.

Free service and repairs, for starters.
If something breaks, you're not paying trip fees or repair bills (for covered issues). We take care of it. That alone can save you hundreds over the life of the agreement. Plus, you get the flexibility to return items, pay off early, and work with a team that actually gets what it's like to need furniture now, not next month.

Call the store. We'll figure it out.
A lot of rent-to-own companies offer relocation services or can transfer your agreement to another location. Moving is stressful enough—we're not going to make it harder.

Yes. Browse online, apply online, and your nearest store handles delivery.
It's 2025. Of course you can do this online. But the delivery and service? That's still local, handled by real people who know your area.

Yes. We need to know you've got steady income.
Bring a pay stub, bank statement, or proof of benefits. Plus a valid ID. That's it. We're not asking for your life story—just proof you can make the payments.

Absolutely.
Depending on your income and approval, you can rent a whole living room set, a fridge, a washer and dryer—whatever you need. We'll work with you to figure out what fits your budget. Because honestly, if you need furniture, you probably need more than one thing.