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If you miss a payment or know you’re going to be late, get in touch with your local store as soon as you can. We’re often able to work with you, whether that’s offering a brief grace period or helping explore alternatives. If continuing the agreement no longer fits your budget, you can return the merchandise and end the contract with no further payment obligations and no impact on your credit, since this is not a typical loan.

Yes, early payoff is available and can be a smart choice. Many of our agreements include reduced pricing if you choose to purchase the item before the full term is complete. This allows you to save money overall while still benefiting from the initial flexibility of smaller payments.

Ownership timing depends on the details of your specific agreement and how frequently you pay. In general, it can range from several months up to around two years. During that entire period, you’re using and enjoying the items in your home—there’s no waiting for ownership before you can benefit from them.

We aim to get your items to you quickly, often within the same day or the next day after approval. Instead of waiting a long time for delivery, you can typically have your new furniture or appliances in your home in a very short window, depending on local stock and your address.

Yes, both delivery and setup are part of the service at no extra cost to you. Our team will bring your purchase inside, position it where you want it, and remove the packaging materials before they leave. The goal is to make getting your new items as easy and convenient as possible.

We provide choices to match a range of budgets. Mike’s offers brand-new products, as well as “preleased” pieces that have been rented before. Every preleased item is carefully cleaned, inspected, and tested so you can feel confident about its quality, while often paying less than you would for something brand new.

Our showrooms feature many of the recognizable brands that customers look for when upgrading their homes. From dependable kitchen appliances to comfortable furniture and modern electronics, we focus on well-known, trusted names rather than low-quality alternatives. The exact brands may vary by store, but quality and reliability are always priorities.

If something goes wrong with your item during the rental term and it’s a covered issue, just reach out to us. We’ll arrange for repairs or, if needed, a replacement, and you won’t be billed for those covered service calls. One of the major advantages of renting is that you’re not left handling repair costs on your own.

Yes, your items are protected throughout the rental period under our service coverage. On top of that, many products also include manufacturer warranties, which can remain in effect after you complete all your payments and officially own the merchandise.

You’re not locked in the way you would be with a traditional loan. If your needs change or your budget tightens, you can return the items at any time and end the agreement, without penalty fees. Once the items are returned, your obligation to continue making payments stops.

Often, yes. We typically provide a reinstatement window—commonly up to six months—during which you can resume your agreement on the same or a comparable product. If you had to step away from the contract during a difficult period and are now ready to start again, we’ll do our best to help you pick up where you left off.

Over the long term, the total of rent-to-own payments usually exceeds the cash price of the item. However, in return you gain several important advantages: smaller, easier payments; no need for strong credit; included servicing; and the ability to return the item instead of being stuck with a long-term balance. For many customers, that added flexibility and protection is worth the additional cost.

Credit cards are a form of revolving debt with interest that can accumulate if you don’t pay the full balance every month. A rent-to-own agreement is different—it’s structured around clear payments and no interest charges. And if the arrangement stops working for you, you can return the merchandise and end the contract, which is not an option with standard credit card purchases.

Renting through Mike’s means you’re not just taking home a product—you’re also getting ongoing support. You benefit from included service, careful setup, and the flexibility to trade out, upgrade, or return items as your life changes. Our goal is to help you furnish your space in a way that feels manageable and low-stress from start to finish.

If you’re planning a move, contact your local Mike’s store. In many cases, we can help arrange transportation of your items to your new home or coordinate with a different location if you’re moving farther away. We want your rental to move with you whenever possible.

Yes, you can start the process from your computer or phone. Browse our offerings online and begin your application digitally. Even though the initial steps are done online, your delivery and ongoing support are handled by a nearby Mike’s team, so you still get local, hands-on service.

We do require basic proof that you can manage the scheduled payments. That usually means sharing a recent pay stub, bank statement, or documentation of benefits, along with a valid ID. We keep the documentation requirements straightforward so you can get approved without a long or complicated process.

Yes, you can. Many customers choose to upgrade several areas of their home at the same time—such as combining a bedroom set with appliances or electronics. Based on your verified income and our standard approval guidelines, we’ll help build a payment plan that can cover multiple items while still fitting within your budget.