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consumers with limited funds or poor credit have an alternative method of purchasing appliances and other household goods they otherwise may not be able to buy in a rent-to-own transaction the consumer agrees to pay a weekly or monthly amount to rent an item over a period of time when all the payments have been made the consumer will own the item many states have enacted laws or other regulations to protect consumers in rent-to-own transactions some states grant renters a cooling-off period during which they can safely cancel a rental agreement without cost or penalty other states allow the renter to reinstate the rental even after default and repossession of the item before entering a rent-to-own agreement contact your state office of consumer protection to learn your rights and for information on what the state requires in these types of contracts