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 $25.
-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?
- Be 18 years old or older.
- Have an active checking account with at least $1,000 of income per month.
- Have at least three months of income history with your current source of income.
- 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.
- Click on Get pre-approved and submit an application.
- Go shopping: Once approved, select the items you want within your Acima spending limit
- Once you’ve selected your merchandise, Call (708) 386-3366 to complete your order.
- A $50.00 initial payment is required on all new Acima lease agreements.
Have Questions about Acima? Visit Frequently Asked Questions.