Frequently Asked Questions

First, you'll need to choose a participating merchant. You can use our store locator to find store locations near you, or browse the Acima MarketPlace for online retailers. You can then apply online or in the mobile app—as well as in-person at a store location.

While we may receive your consumer report and credit score, we look at multiple data points in order to make a final decision, and we regularly approve customers who have less than perfect credit history. All you need to do to get started is provide some personal information, banking account numbers, and meet some basic income requirements.

• Be 18 years old or older
• Have an active checking account with at least $750 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 Individual Taxpayer Identification Number (ITIN)

If you’ve got all those things, great! Fill out the application and we’ll let you know within seconds if you’re approved!

You can be approved for eligible items valued at $300 to $5,000.

Nope! It's free to apply.

We don't require specific income information on the application, such as an employer name or address. We will ask what your primary source of income is (e.g., full-time job), how you're paid, and what your total monthly income is. You're welcome to include all sources of income in the monthly total!

Your credit score with the national credit reporting agencies (TransUnion, Experian, and Equifax) should not be impacted by applying for a lease through Acima. Our application process, however, does include a review of your consumer report, and depending on the consumer reporting agency, the inquiry may appear on your consumer report. Acima uses a soft pull when it accesses your consumer report from any of the national credit reporting agencies (TransUnion, Experian, and Equifax).

We may receive your credit score as part of our review of your consumer report. However, we don't base our approval decision on just your credit score in isolation. We use proprietary technology to look at the bigger picture, and we approve many customers who have less than perfect credit history.

A 'soft' pull of your consumer report is an option available from the national consumer reporting agencies (TransUnion, Experian, and Equifax). On a 'soft' pull, the inquiry from Acima is only visible to you personally, and only if you request a copy of the consumer report from one of the national consumer reporting agencies. This is important because other users of your consumer report may consider inquiries as a negative factor in creating a credit score or in making a decision based on your consumer report.Secondary consumer reporting agencies do not provide this same 'soft' pull option, and our review of your consumer report from these agencies may be shown as an inquiry. However, these inquiries should not negatively impact your consumer report or credit score at the national consumer reporting agencies.

Once you're approved for a lease, the approval lasts for 60 days! If you don't use it in that timeframe, the approval simply expires.