You've probably driven past it a hundred times. It sits right there in the Kroger Center off Flemingsburg Road, tucked into that familiar strip where you grab your groceries and maybe a cheap coffee. Rent A Center in Morehead KY is one of those places everyone knows exists, but most people have a lot of weird, outdated ideas about how it actually works.
Honestly? It's not just a place for people with bad credit. It's more like a giant, revolving closet for your house.
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I’ve seen folks walk in there because their fridge died on a Tuesday and they didn't have $1,200 sitting in a savings account. I’ve also seen college students from Morehead State University trying to furnish a first apartment without committing to a five-year loan. It’s a tool. Like any tool, if you use it right, it’s great. Use it wrong, and you're paying double for a sofa.
The Reality of Renting at 248 Kroger Ctr
Let’s talk shop. The Morehead location at 248 Kroger Ctr isn't some massive warehouse, but they cram a lot in there. You'll find brands you actually recognize—Ashley Furniture, Samsung, Whirlpool, and Maytag.
It’s weirdly quiet in there sometimes. You walk in, and it smells like that specific "new furniture" scent—a mix of wood polish and plastic wrap. The staff usually knows the locals by name, which is that small-town Morehead vibe you don't get in Lexington or Huntington.
What’s actually on the floor?
- The Tech Stack: They usually have the latest PS5 or Xbox consoles and those massive 75-inch 4K TVs that make your living room feel like a cinema.
- The Essentials: Washers and dryers are the big sellers. If your heating element goes out in your dryer and you have three kids, you need a machine today.
- The Comforts: Sectionals that are almost too big for most Morehead apartments, but they sure are comfortable for a Saturday afternoon nap.
Why Rent A Center in Morehead KY Still Matters for Locals
Living in Rowan County is great, but let's be real—the economy here can be a bit of a roller coaster. When the factory shifts change or the semester ends, budgets get tight.
The "no credit" thing is the big draw. They don't care if your FICO score looks like a temperature in January. They care that you have a job and a place to live.
Expert Tip: You only need a few things to get started: a verifiable source of income, a place to stay (landlord info), and a couple of references. Basically, they just want to know you won't disappear with the fridge.
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But here is what people get wrong: they think they’re stuck. You aren't. If you lose your job or you just decide you hate that neon-blue recliner, you can just... give it back. There’s no "mark on your record" or debt collectors hounding you for the remaining $800. You just stop paying, they pick it up, and that's that.
The "Same as Cash" Secret
If you want to use Rent A Center in Morehead KY like a pro, you have to talk about the 6 Months Same As Cash window.
Most people just pay the weekly or bi-weekly amount forever. Don't do that. If you can swing it, pay the item off within that first 6-month window (or whatever the current promo is—sometimes it's 4 or 9 months). You end up paying the actual retail price without all the rental fees piled on top.
It’s basically a way to get "financing" without a credit check.
Dealing with the "Morehead Attitude"
Look, if you read reviews for any rent-to-own place, you're going to see some horror stories. People getting calls when they’re three days late. Rude managers. Broken appliances.
In a town like Morehead, word travels fast. If a manager at the Kroger Center location is having a bad day, everyone at the local diner knows by noon.
Here is the nuance most people miss: Renting a pre-owned item is a gamble. Rent-A-Center does "Rent-to-Own," but they also have "previously rented" items. These are cheaper, but they’ve lived a life. Check the corners of that sofa. Test the knobs on that stove. If it shows up at your house and it's dented or the dryer takes three hours to dry a towel, send it back immediately.
Don't be polite. Tell them to bring you a different one. You're the one paying the premium for the service, so make sure the service is actually happening.
How to Not Get Ripped Off
I’m being blunt because I’ve seen people get buried in weekly payments.
- Weekly is for the Birds: If you pay weekly, you’re usually paying the highest possible rate. If you can, set your payments to match your paycheck—bi-weekly or monthly.
- The $10 Perk: Often, they have a "First Week for $10" deal. It’s a great way to get a bed into a house if you just moved and you're broke, but remember that week two is going to be the full price.
- Auto-Pay is your Friend: They sometimes offer a "4 payments, get 1 week free" deal if you sign up for AutoPay. It saves you the drive to the Kroger Center and saves a few bucks.
Actionable Steps for Your Next Visit
If you're heading down to the store this week, do these three things first:
First, measure your doors. I cannot tell you how many people in Morehead try to fit a giant Samsung French-door fridge into a 1940s farmhouse kitchen. It won't fit. Measure the height, width, and the "swing" of the door.
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Second, do the math. Take the weekly payment, multiply it by the number of weeks in the contract. Compare that to the "Cash Price." If the difference makes you feel sick, don't do it—unless you plan on using that Same-As-Cash option.
Third, ask about the "Worry-Free Guarantee." This covers repairs. If your rented TV gets a line through the screen, they have to fix it or give you a loaner. Make sure they actually have a loaner in stock before you sign.
There’s a reason this place has stayed open while other shops in the plaza have come and gone. It serves a very specific purpose for the Rowan County community. Whether you're a student needing a laptop or a family needing a range, just go in with your eyes open and your tape measure ready.