Probably Legend of Dragoon around 2002.
Rentals were rare for me even before then, I mostly stopped renting by the end of the 16-bit era. I had few options since I lived in the middle of nowhere and the corner store had a shitty selection + only let you rent for 1 day.
Once I moved out and got my own place I still didn't rent, for a variety of reasons.Wanted to build a collection after having sold all my games a few years prior, didn't have a credit card, mostly just played WoW, etc.