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The No Credit Option: How Acima Works

Nov 09, 2020

A father is sitting on a couch with his three children playing a video game.

Are you looking to change things up in your living room since you’re spending so much more time at home these days? Maybe you thought you could wait a while longer to replace your refrigerator, but today your current one just made different plans for you.

You want to buy a new furniture set or TV, but there’s just one problem: You don't have enough money to pay for it. And, you either have no credit, or the credit history you do have is not, well, “good.”

And to make matters more complicated, the ability to apply for furniture loans, electronics/appliances loans and credit cards is adversely affected by a poor credit history. And, credit card companies that issue loans are often very selective of who they lend to.

If you find yourself in this situation, you’re not alone. But does that mean you have to give up on your shopping goals? Not when you can go shopping with Acima, all without credit.*

Now, because we know you might be skeptical about whether the no credit option* at Acima is really for you, just know this little tidbit: There are millions of customers around the country who are in your exact same financial situation. The difference is, they’re now enjoying the products they want through the Acima program. So, let us walk you through how it all works, and why it will work for you.

You’re Not Alone, And You Do Have Options

According to research, more than half of all Americans applying for a credit card, loan or car have been turned down due to poor credit in 2019. (1) And to be sure, the events of 2020 have caused unexpected financial difficulty for so many more (some for the first time). And, a total of 22% of the adult population of the United States doesn't have a FICO credit score at all. (2) These are folks from all walks of life, including young adults with families, homeowners and those with steady incomes.

As you can see, consumers’ struggles with credit are, unfortunately, not uncommon. It can happen (and has happened) to every one of us at one time or another.

Acima believes that those without a credit history or cash on hand are just as deserving of the things they want (or need) for their home as those who do. That’s why for years, more than 15,000 stores nationwide including large, well-known retailers have offered Acima’s financing alternative, the no credit option*, and have helped millions of customers get the products they want.

So Why Should You Consider Acima? Let’s Break It Down.

In a nutshell, Acima gives you shopping power. Because it’s a “lease-to-own” program*, customers don't need to pay cash or use credit to get the name brand items they want at the stores they want. In fact, that’s one of the most attractive benefits of this financing alternative to those consumers who can’t afford a cash purchase, may be unable to qualify for credit, have a poor credit history, or are unwilling or unable to wait until they can save up.

And because Acima has the no credit option*, you can get the things you want for your home without using credit you may have or increasing your debt.

In other words: no cash, no credit at Acima, it’s all good. You can get an instant decision after a quick and easy application process. All you need to do to get started is find Acima at your favorite store and bring in the following information:

  • Personal information: Name, date of birth and contact info

  • A verifiable source of income (e.g., pay stub)

  • Proof of residence and contact information for your landlord/mortgage company

  • At least two personal references

After making a low initial payment, you then just make payments as you go. We’ll be happy to help you choose which payment option (bi-weekly or monthly) works best for your budget then you simply make renewal lease payments until you own it. You can also choose to purchase your item at any point during the lease at a discount. The sooner you act, the more you save!

Time to Get Started and Get Shopping

You’re so much closer now to getting the item you want with the no credit option*, Acima’s alternative to financing. Just give it a try! If you have more questions, please visit a retailer in your area that offers Preferred Lease, or contact a customer representative.


  1. 53% of Americans Turned Down Due to Bad Credit” Cision/, November 2019

  2. 22% of Americans Don't Have a Credit Score - Here's Why", October 2019