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Rent-A-Center Increases Speed of Application Approvals + Quality of Risk Decisioning

  • Provides approvals in under 10 seconds
  • Decisions 200,000 applications per month, up to 15,000 per day
  • Quickly integrates with multiple third-party credit bureaus and services
  • Automatically tags applications requiring further analysis
  • Imports SAS and Excel models into decisioning processes with zero coding
  • Changes processes and rules in minutes

“It’s not always easy to describe a decisioning platform as both user-friendly and high-performance, yet Provenir was able to deliver on both. Provenir enables our team to make critical changes on the fly, which supercharged our ability to handle the ever-changing business requirements.”


The Challenge

At Rent-A-Center stores, and Acceptance Now kiosks housed in retail partner stores, Rent-A-Center (RAC) approves customers and assumes the risk for purchasing furniture, appliances, electronics and computers. A proprietary customer application and decisioning system was proving too cumbersome to keep up with demand. The inflexibility of the system prevented RAC from growing its brand and expanding products into additional locations and stores. RAC wanted to replace their existing system with a more flexible decisioning platform.

The Results

RAC first deployed the Provenir solution at almost 1400 Acceptance Now kiosks. Launched just before Black Friday 2020, Provenir performed flawlessly. The solution is now decisioning approximately 200,000 applications a month, providing customers with a response in under 10 seconds. RAC expanded Provenir to its ecommerce platform to decision 100 percent of its applications. RAC has not only increased the speed of application approvals, but also the quality of risk decisioning thanks to the ease of integrating both Excel and SAS risk models into the Provenir process.

Why Provenir

The company considered several vendors in addition to Provenir including SAS and GDS Link. For RAC, the deciding factor in Provenir’s favor was its usability. The RAC team also liked that visual testing is available, eliminating the need to deploy models in a test environment. In addition, the company has taken advantage of Provenir’s configurable integration adaptors to aggregate data from multiple third parties including CoreLogic, ID Analytics, TransUnion and FactorTrust.


  • Facts:

    Rent-A-Center offers consumer goods through flexible rent-to-own agreements.

  • Website: