Acima Lease-to-Own

Acima Leasing

Want to take your items home? Acima approves you for up to $5,000 without going through the hassle of traditional credit card lenders. A great option for anybody with bad credit or no credit history. This is a Lease-to-Own program. It offers multiple early purchase options including an early 90-Day Purchase Option.


  • 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-Sufficient-Funds bank fees)
  • Accepts Chime if linked to a checking account

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


 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 get approved? 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

Does Acima report to the credit bureaus? No.

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

Does Acima accept ITIN? Yes.

How does the approval process work? Complete and submit the 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? None. 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. Approved customers must show their ID in store when purchasing.

What are the termsAn initial payment of $54 is due at signing. Acima’s lease–purchase agreements are 12-months with a 90-day purchase option and other early purchase options afterwards.

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.

Does Acima charge interest? Because Acima is not a lender it doesn't charge interest. Instead, it purchases the merchandise from the retailer and leases it to you until it's paid in full. Acima’s payment terms are generally less than other leasing companies.

Can I make payments at the store? No. Acima owns the merchandise until you own it. Payments are made directly to Acima.

Whom should I contact if I have questions? Acima’s customer service team is ready to answer your questions! They contact you within 48 hours of receiving your application. Their friendly agents are there 9 am to 7 pm Monday through Friday and 10 am to 4 pm Saturday. You can also reach them 24/7 at:

Phone (801) 297-1982
Mailing Address
P.O. Box 1667
Draper, UT 84020