If you're looking for a way to shop for the products you want without using traditional credit or loans, Acima Leasing may be the solution for you. And once you’re approved, using Acima Leasing can be easy as well at a location near you.

What Is Acima Leasing?

At Acima Leasing, we believe that everyone should have access to the things they need and want, regardless of their credit background. Our lease-to-own alternative to financing makes it easier for people from all backgrounds to get what they need and want.

Where Does Acima Leasing Work?

You can shop at any one of the over 15,000 retail stores that use Acima Leasing. We have a wide variety of retail options, so you’re sure to find one near you. Additionally, our proprietary technology allows customers to have access to manage their shopping power through our mobile app.

How Does Acima Leasing Work?

Acima Leasing helps you get the items you want without feeling the financial strain of using credit.In five easy steps, you can be on your way to getting the products you want or need.

1. Choose from over 15,000 retail stores

Our large selection of retail stores means you can find what you need and want with ease. Acima Leasing provides a wide variety of options to choose from in order to give you the best shopping experience. Whatever the occasion, you're sure to find the products you’re looking for.

2. Lease up to $4,000 of shopping power

If you have a steady income of at least $1,000 per month, an active checking account and a government-issued photo ID, you could be approved to lease up to $4,000 in merchandise from Acima Leasing.

3. Shop for goods at your selected retailer

Now that you're approved, you can shop for the stuff you want. Choose from a wide variety of electronics, furniture, appliances and other retailers!

4. Terms that work for you

You can start the checkout process by providing your lease information to an in-store sales representative. Next, you’ll sign your lease-purchase agreement, which will provide multiple paths to ownership. The last step is to set up lease renewal payments*. You’ll make an initial lease payment* and choose a renewal payment schedule with manageable terms that work for you.

5. Get your stuff and enjoy

And that’s it! We encourage you to take advantage of our early purchase option, which allows you to acquire ownership sooner at a discount. If you no longer need your stuff, you can simply return it in good condition at any time without further obligation. If you have any questions or need assistance, our customer care team is here to help.

Benefits of Using Acima Leasing

Instant Shopping Power

With Acima Leasing you can shop when you need to. When you find what you’re looking for, with our fast lease-purchase application process you can get access to the shopping power you want. There's no need to wait for approval from a bank or lender — we make it easy for you to get the products you need right away.

Shop at Thousands of Stores

Acima Leasing has leasing options available at thousands of stores, so you can find what you're looking for regardless of location. Search by category on our store locator and see what’s available near you.

The No Credit Option*

We believe that everyone should have access to the things they need and want, regardless of their credit background. That's why Acima considers multiple factors when reviewing your application and regularly approves customers with less than perfect credit history.

Flexible Lease Renewal Payment Options*

We offer manageable lease renewal payment options* that can be conveniently scheduled on terms that work for you. You can shop for the things you need and make small flexible lease renewal payments that lead you to ownership. You can also save by taking advantage of our early purchase option, which allows you to acquire ownership sooner at a discount. If you no longer need your stuff, you can simply return it in good condition at any time without further obligation.

Common Questions About Acima Leasing

What is lease-to-own?

Lease-to-own is a type of contract whereby the lessee has the option to own the leased asset at any time during the lease period on predetermined terms. The lessee is usually required to make smaller, more frequent lease renewal payments rather than one large payment.

Is lease-to-own worth it?

Lease-to-own is an excellent option for people who want to get the products they need and want without feeling the financial strain of using credit. With Acima Leasing, you can be approved for up to $4,000 in shopping power so you can shop at thousands of nationwide retail stores. After signing your lease agreement, you’ll simply make an initial lease payment* and choose your payment method for future renewal payments. After you make the number of renewal payments defined in your lease, the item is yours! Our early purchase option allows you to acquire ownership earlier and save money. If you no longer need your merchandise, you can simply return it in good condition at any time without further obligation.

How do I own something using Acima Leasing?

After you've completed all the payments within your lease renewal agreement*, the merchandise is yours to keep! You can also take advantage of our early purchase option, which allows you to acquire ownership early and save money at the same time. You can also return your merchandise in good condition at any time without further obligation.

Still curious about how Acima Leasing works? Learn more here or check out our FAQ page.