Searching "rent to own cars" after a decline elsewhere? This guide gives you a straight, no-shame answer: what rent-to-own actually means, how it typically works, and why the payments often don't build your credit file. Then an honest look at what Legacy Auto Credit actually offers: two lease options, one short-term with no purchase option, one running up to five years with a purchase option, both handled in-house (O.A.C.).