Lease the things you need with our no credit solution
~ Lease the things you need with our no credit solution* ~
Acima allows you to take home up to $4,000 of must-have merchandise, like furniture, electronics, appliances, tires, and much more—without paying cash or using credit cards. Our flexible, lease-to-own solution provides a new alternative to traditional financing.
~ Choose an online retailer ~
Visit the Acima MarketPlace™, and select where you’d like to shop from some of your favorite online retailers*. You can also choose from over 15,000 in-store locations if you’d rather shop in person.
~ Enjoy $300 to $4,000 of shopping power ~
Get approved up-front so you know what you can spend or just start adding eligible items to your cart. You can then apply (if you haven’t already done so), sign your agreement, and setup an initial payment.
~ Check out with Acima ~
Use the card info on the virtual Acima LeasePay Card™ and your billing address on your Acima application to complete the payment transaction during store checkout.
*Our browser extension provides you with Acima’s lease-to-own options at checkout when you shop at certain online retailers. However, Acima is not necessarily affiliated with or sponsored by the retailers. Acima cannot be used for all purchases—only certain products are eligible. Acima’s browser extension cannot be used for in-store purchases.
The advertised transaction is a rental-purchase agreement (rent-to-own agreement, consumer rental-purchase agreement or a lease/lease-purchase agreement, depending on your state) with Acima. Ownership is optional. 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. See your lease agreement for payment amounts and rental terms.
"The No Credit Option" means this is not a credit, loan, or financing transaction. It does not mean or imply no inquiry will be made of credit history or creditworthiness. We consider multiple data points in reviewing your application and regularly approve customers with less than perfect credit history.