When it comes to getting what you need, financing isn't always an option. That's where Acima Leasing comes in. Our lease-to-own solution offers a convenient alternative, allowing you to shop without using credit*. With flexible lease renewal payment options and a wide range of leasable items, Acima Leasing is committed to making your shopping experience seamless and stress-free. Let's take a closer look at the simplicity of getting started, and how Acima Leasing can help you get the items you need and support you along the way.  

Let's Answer Your Top 8 Questions About Acima Leasing  

1. How do I apply for a lease with Acima Leasing? 

You can apply in-store, online, or on the Acima Leasing mobile app. It's a simple process that takes just minutes to apply. It only takes a few steps to get started. First, you need three items:  

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

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

3. A government-issued photo ID and a Social Security number or taxpayer identification number. 

 2. Can I lease any item through Acima Leasing? 

At Acima Leasing, we understand that every customer's needs are unique. That's why we're proud to offer a wide variety of items for lease, ensuring that you can find the perfect items to fit your lifestyle, whether you prefer shopping in-store or online.  But what items can you lease?  From cozy furniture to high-quality tires and everything in between, Acima Leasing has you covered. Our diverse selection includes essential household appliances, cutting-edge electronics and much more. Whatever you're looking for, we're here to help you find it.  

That includes? 

• Furniture 

• Mattresses 

• Tires 

• Appliances (including hoses) 

  • Washers  

  • Dryers 

  • Dishwashers  

  • Freezers 

• Electronics 

  • Televisions 

  • Video Game Systems 

  • Audio Speakers 

  • Computers 

  • Laptops 

  • Tablets 

  • Smartphones 

• Jewelry 

• Handbags 

• Camera Equipment 

While we strive to offer a broad range of options, there are a few things to keep in mind. To be eligible for lease, items must be durable goods for personal or household use and cost at least $300 each. Don't worry, though – our retailer locations and customer support team are here to help you navigate any questions or concerns you may have. 

3. How long are lease agreements with Acima Leasing?  

At Acima Leasing, we understand the importance of flexibility when it comes to your lease agreements. That's why we offer a range of options tailored to fit your needs and preferences. The period to ownership varies depending on the items you select and the lease agreement offered to you. Typically, you'll have the opportunity to own the merchandise in 12 months if you choose to make all lease renewal payments as outlined in your agreement. You may also see lease periods of 18 to 24 months with select retailer partners.

But here's the best part – you're in control of your journey to ownership. If you're ready to take ownership sooner, we offer optional early purchase options that allow you to end the lease and save significantly compared to the total cost of the lease. The decision to own is entirely up to you, putting the power in your hands to make the choice that's right for you. 

4. What are my lease renewal payment options with Acima Leasing? 

The due dates of your lease renewal payments are based on your payday as provided in your lease application. After you make your first lease renewal payment, you’re able to change your lease renewal payment frequency if needed. If you think you are going to miss a lease renewal payment, you will need to let the customer service team know 3 days in advance of your lease renewal payment’s processing date. Most lease renewal payments are made automatically by ACH, which automatically processes from your bank account. You can also use a credit, debit card, or most prepaid cards to make lease renewal payments and have those lease renewal payments set up to process automatically as well. 

5. Is there an early purchase option? 

Yes, during your lease agreement, you’ll have access to two optional early purchase options. The first option, typically available within the initial 90 days of the lease agreement (3 months in California), allows you to take ownership of the merchandise sooner than you would otherwise if you made all scheduled lease renewal payments as outlined in your lease. Once this window passes, don't worry! You still have another opportunity through our second option, which offers an early purchase discount based on your remaining lease renewal payments.   

Pro tip: You are not automatically enrolled in an early purchase option at the start of the lease process. To take advantage of either option, call or chat with our customer service team.

6. What is Acima Leasing's return policy? 

If the leased merchandise is damaged or defective when you receive it, all you need to do is contact our customer service team as soon as you notice the issue. We will work with you to find the best solution depending on the situation. Throughout the life of your lease agreement, especially if you are struggling to make your lease renewal payments, you also have the option to return the product in good condition with no further obligations.  

7. How can I contact customer support? 

You can contact customer support quite easily. Whether you prefer talking to a customer service team member by phone or chatting with someone online, we have options available. To find our customer service availabilities, check out our website  

8. What is the cancellation process for a lease agreement with Acima Leasing? 

At Acima Leasing, we understand that circumstances can change, and you might need to cancel your lease agreement. You can cancel your lease at any time without incurring any penalties. You’ll only be responsible for the time the merchandise was in your possession and any applicable fees as provided in the lease agreement. We believe in flexibility and want to ensure that you have peace of mind throughout your leasing journey. If you decide to cancel your lease, the first step is to get in touch with our customer service team. Once you've contacted us, we'll send you an email with detailed instructions on how to complete the cancellation. We're here to help make this process as smooth and straightforward as possible.  

Navigating Acima Leasing and Making Informed Decisions 

One of the biggest benefits of using lease-to-own agreements with Acima Leasing is the flexibility it offers, especially when financing isn't an option or preference. Our customer service team is here to help you along the way, whether you have questions about a leased item or your lease agreement. Reach out to us for further assistance or clarification on any remaining questions.