Who is Acima Credit?
Acima Credit provides a flexible and creative alternative to traditional consumer lending. Our No-Credit-Needed lease program provides a lease option where eligibility is not based solely on credit, so you can take home what you need today.
Why use Acima?
-No Credit Needed, your fico score will not be impacted
-Get approved up to $5,000
-$50.00 initial payment
-90-day early purchase option (3-month purchase option in California).
-This option lets you purchase the merchandise for the Acima Cash Price price plus the initial payment and a small buyout fee, which varies state-to-state, but is generally $10.
-Easy payments over 12 months or buyout early at anytime during your agreement.
-Acima reports your lease activity to Experian to help build your credit.
What do I need to apply?
1. Be 18 years old or older.
2. Have an active checking account with at least $1,000 of income per month.
3. Have at least three months of income history with your current source of income.
4. Have a government-issued photo ID and a social security number or ITIN.
If you’ve got all those things, great! Fill out the application, Get pre-approved and we’ll let you know within seconds if you’re approved!
How to make a purchase with Acima.
– You can click on Get pre-approved and fill out the application.
– Go shopping: Once approved, select the items that you want within your Acima spending limit
– Once you’ve selected your merchandise, select Acima Credit at checkout to complete your order with a $50.00 initial payment.
Have Questions about Acima? Visit Frequently Asked Questions.
States where Acima is not available?
Wyoming | Wisconsin | Minnesota | New Jersey
What can we do when the product/s you need are more than your approval?
Contact Us and let us know what you want and your name under your approval so we can create you a manual invoice to get you going. We are willing to help as much as we can so we can get you all the parts you need.