Cash and financing aren't your only options while shopping and adding the final touches to your home, vehicle, or lifestyle. If you’ve been thinking about alternatives to financing while shopping, it’s time to take a closer look at lease-to-own. In this article, we'll explore how Acima Leasing offers a stress-free way to bring home the items you love, making it easier to create the lifestyle you deserve using lease-to-own. 

What is Lease-to-Own (LTO)? 

Lease-to-own (LTO) is an inclusive alternative to financing. It’s designed to empower you with the flexibility you need while providing the shopping power to enjoy your items. With LTO, you can easily manage lease renewal payments that conveniently align with your payday, ensuring a smooth and convenient shopping experience. 

How Does Acima Leasing Work? 

Getting started is easy: 

• Apply: The application is simple. 

• Shop: If you are approved, you can browse through thousands of participating retailers to find what you’re looking for. 

• Lease: After you sign the lease agreement, Acima purchases the merchandise you picked out and leases it to you until you obtain ownership or terminate the lease. 

• Enjoy: How you manage your lease is up to you. You can make your lease renewal payments, use one of our early purchase options, or return it whenever you want. 

Why Choose Acima Leasing? 

Acima Leasing isn’t just another leasing option; it’s a better way to shop. Here’s why: 

• The No Credit Option: lease-to-own with Acima Leasing is your way to shop without using credit* 

• Shopping Power: If approved, you can lease up to $5,000 in merchandise** and quickly get what you need when you need it. 

• Convenient Lease Renewal Payments: Your lease renewal schedule aligns with your payday, making it easy to stay on track. 

What Can You Lease with Acima Leasing? 

The possibilities are endless with Acima Leasing. Here’s a glimpse of what you can lease: 

• Furniture: From cozy couches to dining sets. 

• Electronics: TVs, laptops, and the latest tech. 

• Appliances: Refrigerators, washers, and more. 

• Jewelry: Sparkling pieces for special occasions. 

• Mobile Phones: Stay connected with the latest models. 

• Tires: Keep your ride smooth and safe. 

Frequently Asked Questions 

Can I apply for a lease with Acima Leasing with less-than-perfect credit?  

Absolutely! Your credit score may be received as part of our consumer report review. However, our lease application process uses additional information as consideration. All you need to apply is: 

1. An active checking account with at least $750 of income per month 

2. 3 months of income history with your current source of income 

3. A government-issued photo ID and SSN or taxpayer identification number 

Can I shop online and still use Acima Leasing?  

Yes! Whether online or in-store and with approved retail partners, Acima Leasing has you covered. 

What happens if I can no longer make lease payments?  

Understandably, things happen, and circumstances change. Contact our customer service team, and we’ll work with you to find the best option.  

There are other scenarios as well that our team can help you with:  

• Your item arrives damaged  

• Your item is lost or stolen  

• The item you receive is wrong  

What are the early purchase options available? 

You can purchase the merchandise at any time after you receive it. Acima offers a 90 day (three months in California) early purchase option. After the 90 days (3 months in California), you can purchase the merchandise by paying a lump sum percentage amount of the remaining total lease amount at that time, helping you take ownership sooner.  

It’s important to note that our early purchase options are not automatically assigned to your lease. If you’re interested, contact our customer support team to help determine your best option. If you no longer want the merchandise and want to cancel your lease, you can return it in good condition at any time without penalty. 

Ready to Get Started? 

With Acima Leasing, getting the items you need has never been easier. Enjoy the freedom to choose your items and lease them with ease. Find a retailer and apply today to start transforming the way you shop! 

More Questions? 

Is there a minimum amount required for leasing?  

The minimum amount for an item being eligible for lease is $300. 

What items are not eligible for leasing?  

Items meant to be permanently attached to a home or vehicle, services, high-risk items, firearms, weapons, ammunition, clothing, consumables and gift cards are not eligible for leasing. 

How do I make lease renewal payments?  

Yes, most lease renewal payments can be automated using: 

• ACH and processed directly from your bank account 

• Credit, debit, or prepaid card or make payments  

You can also make payments manually via the mobile app, online account, or over the phone. Cash payments may also be available at select retailers using Vanilla Direct Pay™.