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About Leasing
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Application Process
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Acima is an alternative way to shop for the name-brand items you want, at the stores you want, without paying cash or relying on credit. After completing an easy application process, you'll receive an instant approval decision. If approved, begin a lease agreement that will allow you to get your merchandise right away for a low initial payment, then make rental payments until you obtain ownership.
All kinds! We lease merchandise for personal, family, or household use to consumers. Our merchandise categories include furniture, mattresses, appliances, auto wheels and tires, as well as, home and mobile electronics, car audio, eyewear, power tools, jewelry, and more!
Generally, you may lease durable goods that are for personal or household use and can be returned. Items must cost at least $300 each to be eligible for lease.
Eligible Items Include
Furniture
Mattresses
Tires
Appliances (including hoses)
Washers
Dryers
Dishwashers
Freezers
Electronics
Televisions
Video Game Systems
Audio Speakers
Jewelry
Handbags
Computers, Laptops, Tablets, Smart Phones
Camera Equipment
Prohibited Items
Items meant to be permanently attached to a home or vehicle
Services (e.g., extended warranties, installation, repairs)
High Risk Items (e.g., chainsaws, trampolines, drones)
Firearms, weapons, and ammunition
Clothing & Apparel
Consumables
Gift Cards
Acima owns the merchandise until you're ready to own it. 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.
If you prefer predictable payments and the flexibility of the lease, you can own it after making all lease renewal payments. If you're ready sooner, you can purchase early as described in the agreement and save over the total cost of the lease.^ If you wish to stop making renewal payments before obtaining ownership, you can return your merchandise at any time.
In a credit transaction, a financial institution extends funds to you or to another on your behalf, which you can then use for a purchase. If you make a purchase on credit, you borrow the money and then make payments back to the creditor, which include finance charges such as interest.
On the other hand, when you enter into a lease agreement, you agree to lease merchandise from Acima. Acima then purchases the merchandise you select from a participating merchant. We don't extend funds to you or on your behalf. You make lease renewal payments to Acima while using the merchandise, and you can use a purchase option to own the property, or terminate the lease at any time, without penalty. There is no interest, but you make lease payments based on the value of the merchandise and the cost of lease services. Acquiring ownership by leasing costs more than the retailer's cash price.
Your approval amount can be used for eligible items at online retailers in the Acima MarketPlace and in our mobile app, as well as thousands of brick-and-mortar stores, which you can find by using our store locator. We're always looking for ways to expand your choices, so keep an eye out for additional ways to shop in the near future.
First, you'll need to choose a participating merchant. You can use our store locator to find store locations near you, or browse the Acima MarketPlace for online retailers. You can then apply online or in the mobile app—as well as in-person at a store location.
While we may receive your consumer report and credit score, we look at multiple data points in order to make a final decision, and we regularly approve customers who have less than perfect credit history. All you need to do to get started is provide some personal information, banking account numbers, and meet some basic income requirements.
Be 18 years old or older
Have an active checking account with at least $750 of income per month
Have at least three months of income history with your current source of income
Have a government-issued photo ID, and a social security number or Individual Taxpayer Identification Number (ITIN)
If you’ve got all those things, great! Fill out the application and we’ll let you know within seconds if you’re approved!
You can be approved for eligible items valued at $300 to $5,000.
Nope! It's free to apply.
We don't require specific income information on the application, such as an employer name or address. We will ask what your primary source of income is (e.g., full-time job), how you're paid, and what your total monthly income is. You're welcome to include all sources of income in the monthly total!
Your credit score with the national credit reporting agencies (TransUnion, Experian, and Equifax) should not be impacted by applying for a lease through Acima. Our application process, however, does include a review of your consumer report, and depending on the consumer reporting agency, the inquiry may appear on your consumer report. Acima uses a soft pull when it accesses your consumer report from any of the national credit reporting agencies (TransUnion, Experian, and Equifax).
We may receive your credit score as part of our review of your consumer report. However, we don't base our approval decision on just your credit score in isolation. We use proprietary technology to look at the bigger picture, and we approve many customers who have less than perfect credit history.
A 'soft' pull of your consumer report is an option available from the national consumer reporting agencies (TransUnion, Experian, and Equifax). On a 'soft' pull, the inquiry from Acima is only visible to you personally, and only if you request a copy of the consumer report from one of the national consumer reporting agencies. This is important because other users of your consumer report may consider inquiries as a negative factor in creating a credit score or in making a decision based on your consumer report.Secondary consumer reporting agencies do not provide this same 'soft' pull option, and our review of your consumer report from these agencies may be shown as an inquiry. However, these inquiries should not negatively impact your consumer report or credit score at the national consumer reporting agencies.
Once you're approved for a lease, the approval lasts for 45 days! If you don't use it in that timeframe, the approval simply expires.
The period to ownership varies based on the item(s) you choose. If you elect to make all renewal payments you will own the merchandise in 12, 18, or 24 months, based on the lease agreement you are offered.You also have the option to obtain ownership early.^ When you're ready, you can end the lease with early purchase options described in your agreement. These options allow you to save significantly compared to the total cost of the lease. When you choose to own is up to you!
Your total lease amount is calculated based on the Acima Cash Price of the merchandise and the cost of the lease services. Please keep in mind that most states require sales tax to be paid on rental payments, meaning sales tax will be applied to all payments. If you make all lease renewal payments you will pay approximately double the original invoice price of the property.
You'll have the opportunity to review your lease agreement during the application process by signing into the mobile app or your online account. If you're shopping in-store and don't have a smartphone, you can request the store print a physical copy for you to read and sign.
You can purchase the merchandise at any time after you receive it. Acima offers a 90-day early purchase option (3-month purchase option in California),^ which begins on the date you receive your merchandise and expires 90 days (3 months in California) later.^ This option lets you purchase the merchandise for the Acima Cash Price and a small purchase fee, which varies state-to-state, but is typically $25. The Acima Cash Price includes a markup over the merchant invoice price.After the 90 days (3 months),^ you can purchase the merchandise by paying a lump sum percentage amount of whatever your remaining total lease amount is at that time. The percentage varies by state but is generally 65% of your remaining total lease amount. This lets you purchase the property before the end of the 12, 18, or 24 months of lease renewal payments at a discount.You can also elect to make all lease renewal payments for your merchandise and you will own the merchandise! Please keep in mind that failed or late payments may accrue fees, so see your lease agreement for a full breakdown of fees. If you elect not to purchase the merchandise through one of these options, you may terminate the lease at any time without penalty.You are not automatically enrolled in an early purchase option at lease inception. To purchase early or exercise a 90-day purchase option,^ call or chat with our helpful customer service department.
The initial payment is your first payment towards your lease! It is deducted from your total lease amount and is required to be made before you receive the merchandise. This amount varies by participating merchant location and category but is generally between $0 to $70.
Your renewal payments are based on the value of the merchandise you select and the cost of lease services. Once you pick out the merchandise, we will create a lease agreement based on the value of the leasable items. You can review your renewal payment amounts and renewal frequency prior to signing the lease agreement.
The due dates of your renewal payments are based on the pay dates you enter on your application. After you make your first renewal payment, you're able to change your payment frequency if needed. Your regularly scheduled renewal payments will not purchase the property in 90 days. Call or chat with our helpful customer service to exercise a 90-day purchase option.
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 pre-paid cards to make payments and have those payments set up to process automatically as well. We accept Mastercard, Visa and Discover.
Alternatively, you can make payments in the mobile app, logging into your online account, or over the phone by calling customer service at (801) 297-1982.
Depending on your lease agreement, you may be able to make cash payments at popular retailers, such as: CVS®, Dollar General®, Family Dollar® and 7-Eleven® using your VanillaDirect Pay™ barcode for a $1.50 transaction fee. If this option is available to you, the barcode can be accessed by logging into your online account.
Contact us at least three business days before your payment is set to process, and we'll help you out! This goes for any payments, whether it's an automatic payment, a one-time payment, or even a final purchase payment—we always need notice of at least three business days. Once your payment starts processing, we will be unable to make any changes to it.
Acima does not automatically send billing statements either by email or physical mail. You can check your current purchase amount at any time by signing into the mobile app or your online account. You can also contact our customer service department at (801) 297-1982 for current information about your lease.
Our customer service department can be reached at (801) 297-1982, Monday to Friday from 6:00 am to 7:00 pm MT and Saturday from 7:00 am to 4:00 pm MT.
We also have an online chat option, which can be accessed through our website Monday to Friday from 7:00 am to 9:00 pm MT and Saturday from 7:00 am to 7:00 pm MT.
Yes. If you'd like to return the property, please give our customer service department a call at (801) 297-1982 and we will work with you to find the best option.
You may cancel your lease at any time, without penalty. First, please contact our customer service department at (801) 297-1982. We will send you an email with instructions on how to complete the cancellation.
If your merchandise is damaged or defective, please contact our customer service department at (801) 297-1982 as soon as you notice the issue. We will work with you to find the best solution depending on the situation.
If your merchandise is lost or stolen, please contact our customer service department at (801) 297-1982 as soon as possible.
If you received the wrong merchandise, please call our customer service department at (801) 297-1982 and we will assist you.
Open the Acima Mobile App and tap “Shop”.
Choose an online retailer. (Can’t find what you’re looking for? Come back later – we’re adding new retailers every day!)
You’ll be taken to the online retailer’s website. Shop as you normally do! Add eligible items to your cart.
When you get to the payment step, tap the “Pay with Acima” button at the bottom of your screen.
Acima will prepare the lease agreement for your review and signature.
Review and sign your lease agreement and make your initial rental payment.
Enjoy the item (s) selected and make renewal lease payments as you go. You have the option to lease until you own it by making the number of lease renewal payments required for ownership or you can purchase it at any time at a discount. (Your lease will describe the purchase options.) If it does not meet your needs, you can end the lease without penalty by returning the product in good condition.
Get in touch.
Call
Mon-Fri: 6:00am-7:00pm MT
Sat: 7:00am-4:00pm MT
Merchant partners can contact us at (801) 297-1984 or merchants@acima.com
