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4 Reasons Customers Love Acima

Jun 01, 2022

How good does it feel to have the power to accomplish something in your life that you want to do? Consumers who have credit scores in need of help — or who may need to stretch their paychecks every month — may feel as though that power eludes them when they’re faced with wanting to shop for major life items.

Consumers who have discovered Acima Leasing, however, tell a much different story. Many Acima Leasing customers are in the same situation (what the industry calls “unbanked” or “underbanked”); they simply cannot (or prefer not to) use credit to go shopping for one reason or another and don’t have the cash to pay for something outright. So before Acima Leasing, they most likely felt their only options were to find alternative (read: less-than-desirable) places to get what they need, settle for a lesser quality option or simply live without.

At Acima Leasing, we believe that everyone deserves to have the quality items they want or need and an easy way to get them, regardless of their financial circumstances. So we provide simple lease-to-own solutions that give every one of our customers the shopping power they may not otherwise be able to enjoy with traditional means of financing.

What are those solutions, you ask? Keep reading: We tallied up the top four reasons why our millions of customers nationwide love Acima Leasing, use it to shop in their favorite stores and even save them money down the line.

1. Acima Leasing Is an Alternative to Financing

For decades, credit cards have been the dominant source of financing. It’s easy to see why: Using them is as convenient as swiping now, then waiting for the bill to come later. But because it’s easy to underestimate the extra fees that come with credit card usage as well as the user’s ability to pay off in a timely manner, credit cards have also become synonymous with mounting debt, poorly affected credit ratings and a lack of flexibility.

And then there’s traditional financing, where one of the biggest problems is that customers are forced to pay for an item in full upfront. This leads to the build-up of high monthly charges to pay back the outstanding balance and a quicker depletion of available credit.

Of course, the only way any of this takes place is if — and only if — the customer is approved for credit in the first place. Many shoppers don’t qualify for traditional financing, a personal loan or a line of credit for a variety of reasons, and until now, they really had no other alternative to shop for quality products they need and deserve.

Applying with Acima Leasing is easy. All you need to apply to lease $300 to $4,000 in merchandise is some basic information and the following:

  • An active checking account with at least $1,000 of income per month

  • Three months of income history with your current source of income

  • A government-issued photo ID and an SSN (social security number) or TIN (taxpayer identification number)

Then you submit that easy application for one of our lease-purchase programs that allows you to shop using the no-credit option*. Acima Leasing will purchase eligible merchandise, up to your approval amount, and lease it to you.

2. Acima Leasing Offers Flexible Terms

Acima Leasing’s lease-to-own solutions* are made to be simple. But, even more importantly, they’re made to be flexible. Once you’ve submitted a lease-purchase application and you’re approved, you’ll be able to shop within minutes for what you need — furniture, electronics, appliances, jewelry, and more — from name-brand retailers.

Here's where you can enjoy flexibility as well, because there are thousands of your favorite stores — both in your community and around the nation — where you can use Acima Leasing. You have the option to choose from over 15,000 retailer locations to shop for what you want.

Once you get the product you want, Acima Leasing will help you figure out affordable lease renewal payments* that fit right into your budget. Then you just make your scheduled lease renewal payments* on time as detailed in your lease agreement. Once you’ve made the number of payments outlined in your agreement, you own the stuff outright. If you want to own the stuff earlier and save on the total cost of ownership, you can exercise your early purchase option. If you no longer need it, you can simply return it in good condition at any time without further obligation.

It’s as simple as that — no hidden fees, no surprises and no obligations. Shopping power made simple!

3. It’s Easy to Shop with Acima Leasing the Way You Want

Shopping should be simple for everyone, right? At Acima Leasing, we think so — especially when it comes to getting the things you need, when you need them and in the way you like to shop for them.

When you use our store locator, you can find a retailer near you. Also make sure to check out the category filter which will help you find a location near you for the products you want.

Applying for your lease-purchase agreement* is also simple. In fact, it’s as simple as submitting your lease-purchase application online or through our mobile app when you’re ready to shop. Doing this before you head out to a physical store will make for an even more efficient shopping experience (after all, time is money, too).

No matter how you like to shop, Acima Leasing is with you all the way.

4. Acima Leasing’s Early Purchase Option Saves You Money

You deserve to live life on your terms. That’s why we designed our leasing solutions to work for you — never against you. Our lease-purchase agreements* allow you to set up manageable lease renewal payments* on a cadence that works for your budget from Day One until you choose ownership. You can own the leased merchandise by making the number of lease renewal payments outlined in your lease.

However, we understand that there are times when you’re ready to own before the lease renewal payment* terms end. We have a plan for that as well: Our early purchase option. If and when you decide you’re ready, just let us know and we’ll get the ball rolling on this option. Not only will you experience the excitement of achieving ownership on your own terms, but you’ll save money over the total cost of the lease as well.

Ready to Unleash Your Shopping Power?

If there’s one thing you should take away from this article, it’s this: Acima Leasing is designed to help you get what you need, when you need it, how you need it. Simple as that. The heart behind our lease-to-own solutions* is you — and all customers like you — who deserve instant shopping power, thousands of choices of where to shop, an alternative to using credit* or traditional financing, and flexible lease renewal payment options*.

Ready to unleash your shopping power? See for yourself how our solutions* can help you make it possible today.