Terms and Conditions

Changes to Terms and Conditions:

Bruce's Sales & Leasing (herein "Bruce's") reserves the right, in its sole discretion, to modify, alter or otherwise update these Terms at any time.

Electronic Communications:

When you use Company Services, or send e-mails, text messages, and other communications from your desktop or mobile device to us, you may be communicating with us electronically. You consent to receive communications from us electronically, such as e-mails, texts, mobile push notices, or notices and messages on this site or through the other Company Services, and you can retain copies of these communications for your records. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Product Descriptions: 

Bruce's attempts to be as accurate as possible. However, Bruce's does not warrant that product descriptions or other content to be accurate, complete, reliable, current, or error-free. If a product offered by Bruce's itself is not as described, your sole remedy is to return it in unused condition. 


With respect to items sold by Bruce's, we cannot confirm the price of an item until you order it. Despite our best efforts, a small number of the items in our catalog may be mispriced. If the correct price of an item sold by Bruce's is higher than our stated price, we will, at our discretion, either contact you for instructions before shipping or cancel your order and notify you of such cancellation. Other merchants may follow different policies in the event of a mispriced item.

Online Payment Processing Terms and Conditions:

Please read these Terms and Conditions of Use (the "Terms") carefully before continuing your use of this Web Site for online payment processing. These Terms shall govern your use of the Web Site and apply to all Internet traffic visiting the Web Site. By accessing or using this Web Site, you agree to abide by these Terms. Your use of this Web Site signifies you agree to abide by these Terms.

Online Payment Services:

The online payment services (hereafter collectively "WebPay" and "WebAutoPay") are provided as a convenient method to make lease payments but do not alter or modify the terms of your agreement. Bruce's assumes no responsibility for providing access to, or maintaining the Web Site. If the Web Site is unavailable for any reason, the customer remains responsible for making timely renewal payments on or before the scheduled due date. Payments received after the due date will be applied as Non-Discounted Late Payments in the amount specified in the lease agreement. Customers using online payment processing to make their payments are required to pay each agreement on which a payment is made, in full. You may not use online payment processing to make a payment for less than the total amount owed for the next renewal period for each agreement selected for WebPay/WebAutoPay. 

We reserve the right to restrict the us of and/or discontinue the accepting Online Payments at any time, for any reason, without prior written notice. We may send notification of termination of these services at any time after the termination is effective. 

WebPay Terms and Conditions:

By authorizing a payment in WebPay, you are authorizing Bruce's to make a one-time debit to the bank or card account you designate in the amount due for your selected agreements. Upon completion of a payment, Bruce's will provide a receipt indicating the amount debited at your direction by means of an e-mail message to the address you have provided.

Payments will be debited from your designated bank or card account on or after the date you elect to make the WebPay payment. If you need to update your card or bank account information at any time, you may update your banking information online through Bruce's Pay Online link at https://brucesrenttoown.com.

WebAutoPay Terms and Conditions:

WebAutoPay is a seperate service than AutoPay. To update, modify, enroll, or discontinue AutoPay you must contact the store directly.

By enrolling in WebAutoPay, you are authorizing Bruce's to debit the bank or card account you designate each renewal period to pay automatically the amount due for each agreement you have enrolled. Upon completion of each scheduled payment, Bruce's will provide a receipt indicating the amount and date of the payment that was automatically debited by means of an e-mail message to the address you have provided.

Automatic payments will be debited from your designated bank or card account on or after the date you elect to make the automatic payment. If you need to update your card or bank account information at any time, you may update your banking information online through Bruce's Pay Online link at https://brucesrenttoown.com.

To cancel an WebAutoPay payment, you will need to login online through Bruce's Pay Online link at https://brucesrenttoown.com and deselect the agreement at least one (1) business day before the transaction is scheduled to occur. You may change or cancel scheduled payments up to one (1) day before the scheduled payment date. Same day payments cannot be cancelled. You may opt out of WebAutoPay at any time; however, changes may take up to one (1) day to take effect. Your WebAutoPay program enrollment will remain active and in effect until you cancel or until an WebAutoPay scheduled payment is unsuccessful due to unavailability of funds for any reason. To cancel any WebAutoPay election or to update any account information, login online through Bruce's Pay Online link https://brucesrenttoown.com.


We respect the privacy of our visitors to and users of our Web Site. Please review our Privacy Policy located at https://brucesrenttoown.com/privacy-policy/

Refund Policy:

If you return any item before the end of the term specified in your agreement no refund shall be issued. In the event your application is denied we will refund the start fee.

Copyrights, Trademarks and Restrictions:

This Web Site is controlled and operated by Bruce's. All content on this Web Site, including, but not limited to text, images, illustrations, audio clips, and video clips, is protected by copyrights, trademarks, service marks, and/or other intellectual property rights (which are governed by U.S. and worldwide copyright laws and treaty provisions, privacy and publicity laws, and communication regulations and statutes), and are owned and controlled by Bruce's and its affiliates, or by third party content providers, merchants, sponsors and licensors (collectively "Providers") that have licensed their content or the right to market their products and/or services to Bruce's. Content on this Web Site or any website(s) owned, operated, licensed or controlled by the Providers is solely for your personal, non-commercial use. You may print a copy of the content and/or information contained herein for your personal, non-commercial use only. You may not copy, reproduce, republish, upload, post, transmit, distribute, and/or exploit the content or information in any way (including by e-mail or any other means) for commercial use without Bruce's prior written consent. Your modification of the content, use of the content on any other website(s) or networked computer environment, or use of the content for any purpose other than for personal, noncommercial use, violates the rights of the owners of the Bruce's and/or the Provider copyrights, trademarks or service marks and other proprietary rights, and is expressly prohibited. As a condition to your use of this Web Site, you warrant to Bruce's that you will not use our Web Site for any purpose that is unlawful or prohibited by these Terms, including without limitation the posting or transmitting any threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material. If you violate any of these Terms, your permission to use our Web Site immediately terminates without the necessity of any notice. Bruce's retains the right to deny access to anyone at its discretion for any reason, including for violation of these Terms. You may not use any trademarks, service marks or copyrighted materials appearing on this Web Site, including but not limited to any logos or characters, without the express written consent of the owner of the mark or copyright. You may not frame or otherwise incorporate into another website(s) any of the content or other materials on this Web Site without prior written consent of Bruce's.

Limitation on Liability:

Bruce's shall not liable if (1) you fail to use the WebAutoPay program properly; or (2) you do not request or otherwise initiate or cancel a recurring or one-time payment sufficiently in advance of your payment due date; or (3) your financial institution refuses to honor the debt; or (4) your instructions are lost or delayed in transmission to us; or (5) a reasonable security concern, such as an unauthorized use, causes us not to process the payment; or (6) your account is closed; or (7) the WebAutoPay program has been terminated or suspended.

These terms and conditions do not supersede, modify or in any way mitigate your obligation to be bound by and comply with all applicable tariffs, rules or regulations related to your agreement.

Under no circumstances shall Bruce's be liable for any special, incidental, indirect, punitive or consequential damages or for the loss of profit, revenue or data, which arise from, or is related to WebPay or WebAutoPay.

Disclaimer of Warranties:

All content on this Web Site is provided "as is" and without warranties of any kind either express or implied. Other than those warranties which, under the U.S. Laws applicable to these terms, are implied by law and are incapable of exclusion, restriction, or modification, Bruce's disclaims any and all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Neither Bruce's, its affiliated or related entities, nor the providers, nor any person involved in the creation, production, and distribution of this Web Site warrant that the functions contained in this Web Site will be uninterrupted or error-free, that defects will be corrected, or that the server that makes the content available will be free of viruses or other harmful components. The content that you access on this Web Site is provided solely for your convenience and information only. Bruce's does not warrant or make any representations regarding the results that may be obtained from the use of this Web Site, or as to the reliability, accuracy or currency of any information content, service and/or merchandise acquired pursuant to your use of this Web Site.

You expressly agree that use of this Web Site is at your sole risk. You (and not Bruce's) assume the entire cost of all necessary servicing, repair or correction of your system. You expressly agree that neither Bruce's, nor its affiliated or related entities (including its providers), nor any of their respective employees, or agents, nor any person or entity involved in the creation, production and distribution of this Web Site, is responsible or liable to any person or entity whatsoever for any loss, damage (whether actual, consequential, punitive or otherwise), injury, claim, liability or other cause of any kind or character whatsoever based upon or resulting from the use or attempted use of this Web Site or any other linked site. By way of example, and without limiting the generality of the foregoing, Bruce's and related persons and entities shall not be responsible or liable for any claim or damage arising from failure of performance, error, omission, interruption, deletion, defect, delay in operation, computer virus, theft, destruction, unauthorized access to or alteration of personal records, or the reliance upon or use of data, information, opinions or other materials appearing on this Web Site. You expressly acknowledge and agree that Bruce's is not liable or responsible for any defamatory, offensive or illegal conduct of other subscribers or third parties. Some jurisdictions may not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, Bruce's liability is limited to the greatest extent permitted by law.


You agree to indemnify, defend, and hold harmless Bruce's and the Providers, together with their respective officers, directors, employees, affiliates, parent company, agents, licencors, and suppliers from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from your violation of these Terms.

Third Party Rights:

These Terms are for the benefit of Bruce's and its Providers, together with their respective officers, directors, employees, affiliates, parent company, agents, licensors, and suppliers. Each of these individuals or entities shall have the right to assert and enforce these Terms directly against you on its or their own behalf.

Governing Law:

These Terms shall be governed by, construed and enforced in accordance with the laws of the State of Utah, as they are applied to agreements entered into and to be performed entirely within such State. Any third party or Bruce's, brings to enforce these Terms, or in connection with any matters related to this Web Site, shall be brought only in either the state or Federal courts located in Utah and you expressly consent to the jurisdiction of said courts. If any provision of these Terms shall be held to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions.

Changes to These Terms:

We reserve the right to change any of these Terms at any time. Updates or changes to the Terms will automatically be effective when posted on this site. Your continued use of this site after any changes in these Terms and Conditions shall constitute your consent to these changes. Bruce's reserves the right to change, modify or discontinue, temporarily or permanently, the site or any portion thereof, including any and all content contained in the online payment processing elections at any time without notice. You agree that Bruce's shall not be liable to you or to any third party for any modification, suspension or discontinuance of all or part of its online payment processing.

Entire Agreement:

The provisions and conditions of these Terms, and each obligation referenced herein, represent the entire Agreement between Bruce's, its affiliated or related entities, and you, concerning use of this Website and related services described in these Terms and supersede all prior agreements or understandings regarding the use of this Website, except as expressly incorporated herein. In the event that any inconsistencies exist between these Terms and any future published terms of use or understanding, the most-recently published Terms or terms of use or understanding shall prevail.

Any rights not expressly granted herein are reserved by Bruce's Sales & Leasing

How it works

Bruce’s is committed to offering lease-to-own home furnishings for the lowest total price. We love our customers and will strive to get to know and establish long-term relationships with each and every one. We aim to have the best customer service.

Bruce’s program is different from all other Lease to Own and Rent to Own programs. We don’t penalize you for paying late like other places. We reward our customers with a discount for making payments on time or early.

With our CHOOSE AS YOU GO PLAN everything is on a 12-month lease. We offer 2 early buyout options. If you choose you can buyout the lease in 4 months to save 25% or 7 months to save 15%.