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                               LETTER TO CLIENTS
 
                                      FOR
 
                TENDER OF 11% SENIOR SUBORDINATED NOTES DUE 2008
                                IN EXCHANGE FOR
                     11% SENIOR SUBORDINATED NOTES DUE 2008
                              RENT-A-CENTER, INC.
 
             THE EXCHANGE OFFER WILL EXPIRE AT 5:00 P.M., NEW YORK
             CITY TIME, ON             , 1999, UNLESS EXTENDED (THE
                              "EXPIRATION DATE").
 
           OLD NOTES TENDERED IN THE EXCHANGE OFFER MAY BE WITHDRAWN
                   AT ANY TIME PRIOR TO THE EXPIRATION DATE.
 
To Our Clients:
 
     We are enclosing herewith a Prospectus, dated January   , 1999, of
Rent-A-Center, Inc., a Delaware corporation (formerly known as Renters Choice,
Inc.) (the "Company"), and a related Letter of Transmittal (which together
constitute the "Exchange Offer") relating to the offer by the Company, to
exchange its 11% Senior Subordinated Notes Due 2008 (the "Exchange Notes"),
which have been registered under the Securities Act of 1933, as amended (the
"Securities Act"), for a like principal amount of its issued and outstanding 11%
Senior Subordinated Notes Due 2008 (the "Old Notes"), upon the terms and subject
to the conditions set forth in the Exchange Offer.
 
     The Exchange offer is not conditioned upon any minimum number of Old Notes
being tendered.
 
     We are the holder of record of Old Notes held by us for your own account. A
tender of such Old Notes can be made only by us as the record holder and
pursuant to your instructions. The Letter of Transmittal is furnished to you for
your information only and cannot be used by you to tender Old Notes held by us
for your account.
 
     We request instructions as to whether you wish to tender any or all of the
Old Notes held by us for your account pursuant to the terms and conditions of
the Exchange Offer. We also request that you confirm that we may on your behalf
make the representations contained in the Letter of Transmittal.
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     Pursuant to the Letter of Transmittal, each holder of Old Notes will
represent to the Company that (i) the Exchange Notes to be acquired by such
holder of the Old Notes in connection with the Exchange Offer are being acquired
by such holder in the ordinary course of business of such holder, (ii) such
holder has no arrangement or understanding with any person to participate in the
distribution of Exchange Notes, (iii) such holder acknowledges and agrees that
any person who is a broker-dealer registered under the Exchange Act or is
participating in the Exchange Offer for the purposes of distributing the
Exchange Notes must comply with the registration and prospectus delivery
requirements of the Securities Act in connection with a secondary resale
transaction of the Exchange Notes acquired by such person and cannot rely on the
position of the staff of the Securities and Exchange Commission (the
"Commission") set forth in no-action letters, (iv) such holder understands that
a secondary resale transaction described in clause (iii) above and any resales
of Exchange Notes obtained by such holder in exchange for Old Notes acquired by
such holder directly from the Company should be covered by an effective
registration statement containing the selling securityholder information
required by Item 507 of Regulation S-K of the Commission, and (v) such holder is
not an "affiliate," as defined in Rule 405 under the Securities Act, of the
Company. If such holder is a broker-dealer that will receive Exchange Notes for
its own account in exchange for Old Notes that were acquired as a result of
market-making activities or other trading activities, by executing this Letter
of Transmittal, such holder acknowledges that it will deliver a prospectus in
connection with any resale of such Exchange Notes. By acknowledging that it will
deliver and by delivering a prospectus meeting the requirements of the
Securities Act in connection with any resale of such Exchange Notes, such holder
is not deemed to admit that it is an "underwriter" within the meaning of the
Securities Act.
 
                                            Very truly yours,
 
                                            ------------------------------------
 
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