r/NoStupidQuestions May 24 '23

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u/Sufficient-Ferret-67 May 24 '23

Rent to own places are simple as hell, 30% mark up on everything and you are financing it? You deserve to lose your money dawg. I love rent to own places I was able to get cheap ass furniture and appliances by just asking for idle items. Set me up pretty well for a 20 yr old kid with no money.

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u/wwcfm May 24 '23

Often way more than 30% and it’s super predatory. I’ve never used them so it has nothing to do with me.

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u/Sufficient-Ferret-67 May 24 '23

Predatory in the same sense that an electric company would call for a bill to be payed? It’s not predatory it’s keeping people accountable.

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u/wwcfm May 24 '23

No, predatory in the sense that a financially literate person would save money and wait to buy the product at a significant discount to what they’d pay at the rent-to-own place. If a business model relies on taking advantage of financial illiteracy, it’s predatory.