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Acima Lease-to-Own

Want to take your items home? Acima approves you for up to $3,500 without going through the hassle of traditional credit card lenders. It's great for anybody with bad credit or no credit. This is a Lease-to-Own program with no interest. The sooner you pay it off the lower the cost. You have a 90-Day Early Purchase Option, and other purchase options available to you..

Requirements:

  • Earn a minimum income of $1,000 a month.
  • 3 month history with current employer.
  • Bank account that has been open for 90 days.
  • No NSF's in last 30 days (Non-Sufficent-Funds bank fees)

If you meet these requirements apply online for a quick response.

Apply


 Frequently Asked Questions

Can I take the merchandise home! Yes, merchandise is taken home as you make monthly, bi-weekly, or weekly payments.

What do I need to qualify? 3 month history with current employer, an active checking account (open at least 90 days), deposit at least $1000 of monthly income into your checking account

How does the program work? Acima provides consumers a unique No Credit Needed Lease-Purchase Option. Our program approval is not based upon your credit history, but they do make soft credit inquiries.

Do you accept ITIN? Yes.

How does the approval process work? Complete and submit an online application or stop by one of our stores. While the majority of applications are approved in a matter of minutes, some applications require special processing and may take more time for additional verification.

What documents are needed for the approval process? Customers who are Auto Approved require no additional documentation. In some cases you will receive both an Auto Approval and a Conditional Approval for a higher amount. To activate the Conditional Approval all we need is a copy of your most recent bank statement.

What are the termsAn initial payment of $40 plus tax (payable to CB Furniture) is due at signing. Acima’s lease –purchase agreements are 12-month, rent-to-own contracts with 90-day and other early payment options. Almost half our customers pay their outstanding balance within the 90-day period.

Payments are set up on a schedule that works for you, whether weekly, bi-weekly or monthly. Payments are taken directly from your checking account on your scheduled payment dates.

What documents are needed for the approval process? Customers who are Auto Approved require no additional documentation. In some cases you will receive both an Auto Approval and a Conditional Approval for a higher amount. To activate the Conditional Approval all we need is a copy of your most recent bank statement.

Does Acima charge interest? Because Acima is not a lender we don’t charge interest. Instead, we purchase the merchandise from the retailer and lease it to you until paid in full. Acima’s payment terms are generally less than other similar programs. Please refer to your lease agreement for all terms and conditions.

Can I make payments at the store? The agreement is between you and Acima. Payments are made to Acima via your bank account, not to CB Furniture.

Whom should I contact if I have questions? Acima’s customer service team is here to answer your questions!  We will contact you within 48 hours of receipt of your application. Our friendly agents are here 9 am to 7 pm Monday through Friday and 10:00 am to 4:00 pm Saturday. We can also be reached 24/7/365 at our email below:

Phone (801) 297-1982
Email info@acimacredit.com
Mailing Address
P.O. Box 1667
Draper, UT 84020