Expanding Retail Reach Through Lease-to-Own with Acima

06/18/25

Retailers seeking to broaden their customer base may benefit from offering lease-to-own (LTO) solutions. Acima provides a framework that supports business growth, enabling big-ticket transactions with customers who may not pursue or qualify for financing (1).

The inclusive LTO checkout experience cultivates loyalty, encourages repeat traffic, and ultimately strengthens lifetime customer value.

Key strategic advantages include:

Engagement with customers seeking alternatives to financing
Conversion recovery from cart abandonment tied to credit limitations
Differentiation through expanded accessibility

LTO: A Path to Ownership

The LTO model allows customers to lease items for their home and make lease renewal payments aligned with their pay schedule. This alternative to financing reduces checkout friction and gives retailers greater access to the 106 million Americans who fall into the thin-file and non-prime categories (2).

Implementing LTO Strategies with Acima

Retailers leveraging Acima gain access to a simplified process:

Customers submit a brief application in-store, online or with the Acima mobile app
Upon approval, Acima purchases the item and leases it to the customer
Early purchase options are available during the lease
Partner retailers can manage transactions and track activity through a dedicated Acima Partner portal

This structure can support higher conversion rates and increase repeat business from consumers, while accommodating a broader range of financial profiles.

For enterprise retailers managing omnichannel operations and layered payment ecosystems, Acima integrates with existing infrastructure to expand access to new customers without disrupting core workflows.

Tools and Support for Retail Integration

Retailers partnering with Acima benefit from:

Customer-Friendly Experience
An intuitive application and transaction experience designed to minimize friction
Retailer Support Tools
Point-of-sale materials and digital merchant tools simplify transaction management
eCommerce Integration Capabilities
APIs and pre-built plug-ins facilitate seamless implementation across digital storefronts
Efficient Onboarding
Deployment is supported by accessible infrastructure, whether in-store or online

Strategic Value for Retailers

LTO remains a practical strategy for retailers focused on inclusive growth and long-term customer value. Acima offers the infrastructure and expertise to launch your strategies with minimal disruption.

For new partners, LTO opens access to financially underserved segments. For current merchants and enterprise partners, it offers a moment to evaluate what’s next. That could mean refining promotional strategies, optimizing integration, or leveraging Acima support to amplify results at scale.

Get started today with Acima by connecting with our team to see how LTO can help your business reach more customers.

For additional insights on strengthening customer engagement and expanding market reach, explore the following resources:

The content of this article is provided solely for general interest and should not be relied upon or construed as any form of advice, whether legal, financial, or otherwise. Receipt or use of this information does not create any sort of relationship between us.

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