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Learn About My Financing Options
Learn About My Financing Options

Acima

Fast and easy to complete. No harm to your credit.
You could qualify for $300 to $5,000 instantly. Apply Today

Why Choose Acima?

Why Choose Acima Finance
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No Credit Required

Acima gives you access to essential products without needing a credit check—just simple lease-to-own options.

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Fast and Easy Approval

Receive approval in seconds and get started on your purchases immediately. It’s that quick and hassle-free.

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Flexible Payment Terms

Acima offers customized payment plans, allowing you to choose terms that suit your budget. Enjoy the flexibility.

How Does Acima Work?

How Acima Works - Interactive Timeline
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Simple Application

Apply easily online without any impact on your credit score. Just fill out a quick form to get started!

Instant Approval

Get an instant decision and approval for a flexible lease-to-own option with no credit needed.

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Shop Your Favorites

Choose from a wide range of partner retailers and purchase the items you need—furniture, appliances, and more!

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Custom Payment Plans

Acima offers flexible payment terms to fit your budget, with easy options to pay over time. Enjoy the flexibility!

Frequently Asked Questions

Acima Finance - FAQ
What is Acima Finance?

Acima Finance is a leading provider of lease-to-own financing options, offering flexible payment plans to customers with less-than-perfect credit. Acima provides a simple application process, quick approval, and a wide selection of products for customers to choose from.

How does Acima Finance work?

To use Acima Finance, simply apply online or in-store. Once approved, you can shop for the items you need and choose a payment plan that works for you. You make regular payments until the item is paid off, at which point you own it outright.

Do I need good credit to qualify for Acima Finance?

No, Acima Finance does not require good credit to qualify. We consider other factors such as your income and history with making payments. We provide options to help individuals with less-than-perfect credit get the financing they need.

What types of products can I lease with Acima Finance?

You can lease a variety of products including furniture, electronics, appliances, and more. Acima partners with retailers across multiple industries, so you can find the items you need to improve your home, lifestyle, or business.

How do I apply for Acima Finance?

To apply for Acima Finance, simply visit their website or apply in-store at one of Acima’s retail partners. The application process is quick, and you can get an instant decision on whether you’re approved for financing.

What are the payment terms with Acima Finance?

Acima offers flexible payment terms, allowing you to choose a payment plan that fits your budget. You can pay over a set period, with the option to make early payments to pay off the lease sooner.

Are there any fees associated with Acima Finance?

Acima Finance has transparent fees, which are clearly explained during the application process. We do not have hidden fees, but late payments may result in additional charges. It's important to review the terms and conditions before proceeding.

Can I return leased items with Acima Finance?

Yes, Acima allows returns for items leased through their program. However, it's important to review the retailer’s return policy, as conditions may vary depending on the product and store.

How do I contact Acima Finance for support?

For customer support, you can contact Acima Finance through their website, phone, or email. Visit the support section on their website for the latest contact details and assistance.

Still have questions?

Customer Support

Our dedicated Customer Support team is ready to assist you with any inquiries about returns, exchanges, or anything else.