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Why lease with Acima?
We believe an informed customer is our best customer.
We're not a loan or credit card
With an Acima lease, you aren't buying today. Acima owns the leased item until you make all the lease renewal payments. If you do not use an early purchase option, you may pay more than double the retail price. You always have the option to purchase early and own it for less.Estimate costs.
You can purchase early & save
You always have the flexibility of our "early purchase option." When you're ready, pay a lump sum and own immediately. The sooner you do, the more you save!
Transparency with our retailers
We rely on our retailers to share information about Acima as an alternative to consumer credit options. Even though lease-to-own may cost more than credit offers available to you, our low payments and unmatched flexibility may be the right fit for your life and your budget. We sometimes incentivize our host retailers to increase awareness of our value proposition. Ask your salesperson about all of your credit and leasing options.
Once all required renewal payments in your agreement are made, the product is fully yours with no further obligations.
Save with early purchase
You have the option to buy the item at any time during your lease for less. The earlier you choose to purchase, the greater the savings.
90 day purchase option
Own your merchandise in as little as 12 months with flexible payments, or take advantage of the early purchase discount at any point. Customers who choose the First Early Purchase Option within the first 90 days (3 months in CA) enjoy the biggest cost savings.
Get approved for up to $4,000** in leasable merchandise
Apply quickly and easily without impacting your credit. You may qualify for $300 to $4,000** in shopping power when you meet these simple requirements:
An active checking account with at least $750 in monthly income.
A minimum of 3 months of income history from your current income source.
A government-issued photo ID and SSN or Taxpayer Identification Number.
Acima offers lease to own transactions. This is not a loan, credit, or financing.
How long does it take to own my merchandise?
Standard agreements provide 12 months to ownership when all lease renewal payments are made.
The total cost may be more than double the cash price. Early purchase options are not automatic
and require additional payments. To use an early purchase option, call
(801) 297-1980 or visit
customer.acima.com
. Refer to your lease for full terms and conditions.
Do I need perfect credit to be approved?
No. Acima may obtain information from consumer reporting agencies and considers multiple data points.
Customers with less than perfect credit history can be approved. Not all applicants are approved.
What is the maximum approval amount?
“Get approved up to $4,000” refers to the maximum amount Acima Leasing may spend to acquire merchandise
for a lease purchase transaction. The maximum amount is based on an online application. Approval and
amount are subject to review and verification. Not all applicants are approved.
Is Acima available in my state?
Acima lease to own is not available in Minnesota, New Jersey, Wisconsin, or Wyoming.
How does the $1 to start offer work?
“$1 to start” is available for online applications and in select stores and does not include taxes.
It covers the rental period from the agreement start date to the first scheduled renewal payment.
On the first renewal date, regular rental rates, taxes, and fees apply. Rates, terms, and total cost
vary by item. This is not a promotion for a specific item or an offer for a loan, credit, or financing.
This offer does not reduce the number of payments, the total amount to acquire ownership, or the
purchase option amount. Customers in California pay a $0 initial rent payment and a $1 processing fee
to start. See your lease for payment amounts and rental terms.
† Acima provides lease to own transactions. This is not a loan, credit, or financing offer.
Standard agreement provides 12 months to ownership when each lease renewal payment is made. Total cost may exceed double the cash price. Early purchase options are not automatic and require additional payments. To use an early purchase option, call (801) 297 1980 or visit customer.acima.com. See your lease agreement for full terms and conditions.
Acima offers lease to own transactions. “Shop Without Using Credit” means this is not a loan, credit, or financing. Acima reviews information from consumer reporting agencies. Multiple data factors are considered, and customers with less than perfect credit history are often approved. Acima Cash Price may include a markup over invoice price. Ownership by leasing will cost more than the retailer cash price. Not available in MN, NJ, WI, or WY. Not all applicants are approved.
**“Get Approved up to $4,000” reflects the maximum amount Acima Leasing may spend to acquire merchandise for a lease purchase transaction. Maximum amount is based on an online application. Approval and amount vary and are subject to application review and verification. Not all applicants are approved.
$1 to Start‡ ‡ “$1 to start” applies to online applications and select in store transactions, excludes taxes, and covers the period from agreement start date to the first scheduled renewal payment. Regular rental rates, taxes, and fees apply on the first renewal date. Rates, terms, and total costs vary by item. This is not a promotion for a specific item or an offer of credit. Review your lease for payment amounts and rental terms. This offer does not reduce number of payments, total cost to acquire ownership, or purchase option amount. In California, customers pay zero dollars initial rent and a one dollar processing fee at lease start.
