Laxmi Hegde

https://confidencebuildings.com/2026/03/04/rent-to-own-the-store-that-sells-you-a-400-tv-for-1200-and-installed-spyware-on-your-laptop-while-it-did-it/

💙 Before anyone you know signs
a rent-to-own agreement —
please share this post.

Most people know rent-to-own
is expensive. Most people don't
know HOW expensive.

Here's what the weekly payment
sign never shows you:

🛋️ WHAT YOU SEE:
$24.99 per week — no credit check!

📊 WHAT YOU NEVER SEE:
$1,799 total for a $600 television
$2,879 total for an $800 sofa set
$3,239 total for a $900 washer/dryer
$6,239 total for a $1,200 bedroom set

That's 200–420% of the retail price.
In effective APR terms — over 60%.

They are NOT required to tell you
this because they successfully
lobbied to be classified as rental
businesses — not lenders. No Truth
in Lending Act. No APR disclosure.
No usury limits.

And that's before the scandals:

🔴 Aaron's installed spyware on
rented laptops — secretly
photographing customers inside
their own homes. FTC took action.

🔴 Rent-A-Center paid $8.75 million
to settle charges of filing
criminal charges against customers
who missed payments on furniture.

🔴 Three rent-to-own companies were
charged by the FTC with secretly
dividing markets between them —
eliminating your ability to
shop around.

Day 13 of the Borrower's Truth
Series covers every scandal, every
hidden cost, and 10 alternatives
cheaper than rent-to-own —
starting at completely free.

Because a $600 television should
not cost $1,800. And you deserve
to know that before you sign. 💙

👇 Full guide here:
[INSERT DAY 13 URL]

Written by Laxmi Hegde MBA in Finance
Zero affiliate links. Always.
ConfidenceBuildings.com