What Aaron's Bill Pay is and how to use it
Aaron's Bill Pay is a payment service that lets you pay your Aaron's furniture or appliance rental account through their website or mobile app instead of in-store or by phone. You log into your account, enter the amount you want to pay, choose a payment method, and the payment posts to your account. It is a way to manage your rental agreement on your own schedule.
The service itself does not charge a fee — Aaron's does not add extra money for using Bill Pay. However, the way you pay can affect what you owe. If you use a debit card or credit card through Bill Pay, your bank or card issuer may charge you a transaction fee, depending on your account terms. Paying by bank transfer (ACH) typically has no fee from either Aaron's or your bank, though some banks charge for outgoing transfers.
Payments made through Bill Pay usually post within one to two business days. If your payment is due on a specific date and you are cutting it close, submit it at least three business days early to avoid a late fee. Aaron's considers a payment late if it does not post by the due date shown on your rental agreement.
Key Takeaways
- Aaron's Bill Pay itself is free, but your bank or card issuer may charge a fee depending on which payment method you choose.
- Payments typically post within one to two business days, so submit payments at least three business days before your due date to avoid late fees.
- You can pay any amount toward your rental account through Bill Pay, including partial payments, as long as you meet your minimum due amount by the due date.
- Late payments on Aaron's rental accounts can result in late fees and may affect your ability to rent from Aaron's in the future.
How to set up and access Bill Pay
To use Aaron's Bill Pay, you need an active Aaron's account and access to the Aaron's website or mobile app. Go to aarons.com or open the Aaron's mobile app, then log in with your account number and password. Once logged in, look for the "Pay Now" or "Make a Payment" button, usually visible on your account dashboard.
The first time you use Bill Pay, you will need to add a payment method. Aaron's accepts debit cards, credit cards, and bank account transfers (ACH). If you choose ACH, you will enter your bank's routing number and your account number — the same information you would give for a direct deposit. Aaron's will verify your bank account by depositing two small amounts (usually under $1 each) and asking you to confirm those amounts, which takes one to two business days.
Once your payment method is saved, you can make payments anytime without re-entering those details. You can also set up automatic payments if you want Aaron's to deduct your payment on the same day each month, though you remain responsible if a payment fails due to insufficient funds in your account.
Payment methods and what each one costs
Aaron's Bill Pay accepts three main payment methods: debit card, credit card, and ACH bank transfer. Debit and credit cards process immediately online, but your card issuer may charge a cash advance fee or transaction fee — check your card's terms. Most debit cards do not charge a fee for online bill payments, but some banks do.
ACH bank transfer (paying directly from your checking or savings account) is usually the cheapest option. Aaron's does not charge a fee, and most banks do not charge a fee for outgoing ACH transfers. However, some banks charge a small fee ($1 to $3) for bill payments or transfers, so check your bank's fee schedule before you set it up.
Do not use a credit card to pay an Aaron's rental account unless you can pay off the credit card balance immediately. If you carry a balance, the credit card company will charge you interest on top of your Aaron's payment, making your rental much more expensive.
What happens if you miss a payment or pay late
If your payment does not post by your due date, Aaron's will charge a late fee. The amount varies by state and by your rental agreement, but late fees typically range from $10 to $25 or more. Late fees are added to your balance, so you owe more the next month.
Missing a single payment does not immediately end your rental. However, if you miss multiple payments or fall significantly behind, Aaron's may suspend your account, meaning you cannot make additional purchases or upgrades. In some cases, Aaron's may repossess the furniture or appliance you are renting.
If you know you will miss a payment, contact Aaron's customer service before the due date. Some locations may work with you on a payment plan or extension, though this is not may provide. Calling ahead is always better than missing the payment and dealing with late fees and account restrictions afterward.
How Bill Pay fits into your Aaron's rental agreement
Your Aaron's rental agreement specifies a minimum payment amount and a due date each month. Bill Pay lets you pay that amount online, but it does not change the terms of your agreement. You still owe the full rental price over the rental period, and you still have the option to purchase the item at the end if your agreement includes a purchase option.
Some Aaron's agreements include a "rent-to-own" structure, meaning you can own the item after making all scheduled payments. Others are lease-only, meaning you return the item at the end. Bill Pay works the same way regardless — it is just a payment method. Your agreement terms determine whether you can own the item and what your total cost will be.
If you want to end your rental early, pay off your account in full, or purchase the item before the agreement ends, you can use Bill Pay to make a larger payment. Aaron's will apply any amount over your minimum due to the remaining balance. Contact Aaron's to confirm the exact payoff amount before you submit a large payment, because some agreements have early termination fees.
Comparing Bill Pay to other payment options
Aaron's lets you pay in three ways: in-store, by phone, or through Bill Pay. In-store payments are immediate and you get a receipt on the spot, but you have to travel to a location during business hours. Phone payments are fast but require you to speak with a representative and provide your payment information over the phone, which some people prefer to avoid for security reasons.
Bill Pay is the most flexible because you can pay anytime from your phone or computer, and you keep a digital record of every payment. You do not have to wait for a representative or travel anywhere. The trade-off is that payments take one to two business days to post, so you cannot use Bill Pay if you need to make a same-day payment to avoid a late fee.
If you are worried about forgetting to pay, Bill Pay's automatic payment option removes that risk. You set it once and Aaron's deducts your payment automatically each month. However, you remain responsible if the payment fails — for example, if your bank account does not have enough money on the payment date. Check your account balance before the automatic payment date to make sure the money is there.
Troubleshooting common Bill Pay problems
If your Bill Pay payment fails, the most common reason is insufficient funds in your bank account or on your card. Check your balance and try again. If you see an error message about your bank account, your routing number or account number may be wrong — double-check both against a check or your bank statement.
If a payment posts late and you are charged a late fee, contact Aaron's customer service with proof of when you submitted the payment. Some late fees can be reversed if Aaron's system experienced a delay, though this is not may provide. Keep screenshots or records of your Bill Pay submissions so you have proof if you need to dispute a fee.
If you do not see a payment reflected in your account after three business days, log into Bill Pay and check the payment status. Most payment systems show whether a payment is pending, posted, or failed. If it shows failed, you will need to resubmit it. If it shows pending after three days, contact Aaron's support to investigate.
Frequently Asked Questions
Can I use Bill Pay to make a payment if I am behind on my account?
Yes. Bill Pay works on any Aaron's account, whether you are current or behind. However, if you are behind, Aaron's may require you to pay the full past-due amount plus any late fees before you can make a regular payment. Contact Aaron's to confirm what you owe before you submit a payment.
Does Bill Pay work if I have multiple Aaron's accounts?
You need to log into each account separately to make payments through Bill Pay. Aaron's does not link multiple accounts, so you cannot pay one account from another account's Bill Pay page. If you have multiple rentals, log in to each one and make the payment for that specific account.
What if I want to cancel automatic payments?
Log into your Aaron's account, go to the Bill Pay or payment settings section, and look for an option to manage or cancel automatic payments. You can usually turn off automatic payments without canceling your account. If you cannot find the option online, call Aaron's customer service and ask them to disable automatic payments for you.
Is Bill Pay safe to use?
Aaron's Bill Pay uses encryption to protect your payment information, similar to other online banking systems. However, your security also depends on keeping your Aaron's password private and using a secure internet connection. Do not use public WiFi to make payments, and do not share your account login with anyone else.
Can I get a refund if I overpay through Bill Pay?
If you pay more than you owe, Aaron's will credit the extra amount to your next payment or refund it to your original payment method. The refund typically takes five to ten business days to appear in your account. Contact Aaron's if you overpay and want to know whether they will credit or refund the amount.