Are you waiting weeks for financing just to get those new tires or that furniture set you need before your family comes into town? This inconvenience is all too common when shopping. When the process feels slow, bringing home something you want, such as those new wheels or upgrading your furniture, can seem impossible.  

By applying for a lease with Acima Leasing, you can find out if you’re approved in minutes. If approved, you can start shopping right away. Let’s look at what lease-to-own is and three key reasons why it could be an excellent option for you: 

How Lease-to-Own Works 

Lease-to-own is a purchase option where you will not own the merchandise until the total amount necessary to acquire ownership is paid in full or you exercise your early purchase option. Lease-to-own typically emphasizes the goal of ownership. Unlike using cash or financing, lease-to-own provides a lease renewal payment that is convenient for you. With Acima Leasing, your lease renewal payment schedule aligns with your payday, making shopping for furniture or tires less stressful.  

As you make your lease renewal payments, you can own the item sooner by exploring early purchase options. If you no longer wish to keep your items, you can cancel your lease at any time without penalty and return your items in good condition by calling or customer service team. This alternative to financing is particularly beneficial for those who need flexibility while shopping—without using credit. * 

The Benefits of Lease-to-Own 

1. Flexibility and Accessibility:  

Lease-to-own offers convenient flexibility, expanding your possibilities while you shop. Because Acima Leasing offers a way to shop without using credit*, lease-to-own is accessible for those with less-than-perfect credit. 

2. Easy Lease Renewal Payments:  

Another key advantage is that your lease renewal payments are aligned with your payday. With Acima Leasing, based on the information from your application, you will have a lease renewal payment that aligns with the income cadence you provided. If you need to discuss your lease renewal payment, the customer support team can discuss your options based on your lease agreement information. 

3. Support Along the Way:  

One of the most underrated aspects of lease-to-own is the access to customer service. With Acima Leasing, if you have questions about your lease or lease renewal payment, you can reach out to discuss your options. For questions regarding your lease renewal payments, you must contact customer support within at least three days of your payment processing date. This accessibility is especially valuable if you need additional information, or your circumstances change during your lease. 

Why Lease-to-Own Can Work for You 

Pathway to Ownership 

One of the most compelling aspects of lease-to-own is that it provides a clear pathway to ownership. This is particularly advantageous if you’re not looking to use cash or financing to shop but still want a pathway to ownership, for example, that set of tires. Each lease renewal payment you make brings you closer to owning the item, and once you complete the lease, the product is yours to keep.

Consumer Empowerment  

Lease-to-own empowers you by giving you control over your shopping decisions. Before, you might have been limited to where you shop and what you can get. Lease-to-own empowers you to shop with ease. At Acima Leasing, we want to make sure you have a choice about how you shop for what you seek to enhance your lifestyle. 

Get Started Today 

Whether you aim to furnish your home, upgrade your wheels, or boost your shopping power, lease-to-own could be the perfect fit. You can shop confidently with a clear understanding of how lease-to-own works, its benefits, and the advantages of ownership and flexibility. Ready to dive in? Find a retailer near you and let Acima Leasing empower your shopping experience with lease-to-own. 

Common Questions 

How do I apply for a lease with Acima? 

You can apply online, through the mobile app, or in-store at a retailer that works with Acima Leasing. The process is quick. You will only need three items to complete the application. 

• Proof of an active checking account with at least $750 in monthly income 

• 3 months of income history from your current source of income 

• A government-issued photo ID and an SSN or taxpayer identification number 

What products can I lease? 

You can lease a wide range of items with Acima Leasing, provided they are priced over $300. Below is a list of the eligible categories and a few example items.  

• Furniture 

• Mattresses 

• Tires 

• Appliances (including hoses) 

  • Washers 

  • Dryers 

  • Dishwashers 

  • Freezers 

• Electronics 

  • Televisions 

  • Video Game Systems 

  • Audio Speakers 

  • Computers 

  • Laptops  
  • Tablets 

  • Smart Phones 

• Jewelry 

• Handbags 

• Camera Equipment