Acima offers affordable lease-to-own options.   Get Approved In Seconds

Credit Challenged?

Partner with Acima, a lease-to-own provider, to offer you accessible lease options even if you're credit is not so stellar. It takes just seconds to get an answer.

Apply Online

Shop online and directly apply for Acima lease-to-own, once approved, select Acima Checkout to checkout.

Get approved for up to $5,000

Our application is fast and easy to complete, and won't harm your credit. You could get approved for up to $5,000 of shopping power by meeting these basic requirements:

      An active checking account with at least $1,000 of income per month
      3 months of income history with your current source of income
      Government-issued photo ID and an SSN or Taxpayer Identification Number

      Flexible Early Purchase Options

      1. First Early Purchase Option: This option allows the customer to purchase the Property within the first 90 (3 months in CA) or 120 days of the Acima Lease for the Acima Cash Price, plus taxes and a purchase fee, where applicable. The customer should always refer to their Lease agreement for the specific time applicable to their Lease.

      2. Second Early Purchase Option: After the expiration of the First Early Purchase Option, a customer can purchase the Property before making all lease renewal payments by paying a lump sum percentage of the remaining total of renewal payments. The percentage varies by state but it is generally 65% of the remaining total of the renewal payment amount.

      Penalty Free Returns

      An important feature of the Acima Lease is that a customer can terminate it at any time without penalty. 

      Every Acima Lease agreement contains language providing customers the right to return the Property at any time, without penalty. Of course, they are still responsible for paying any past-due renewal payments and applicable fees.

      Acima offers affordable lease-to-own options. Get Approved

      Acima Leasing FAQs

      30 Day Guarantee

      Have confidence in your purchase and process a full refund in just a few steps