A Guide to Managing Your Acima Leasing Account with Ease

You can manage your entire Acima account online or in the app, where you can request a new payment date, keep your schedule lined up with your payday, explore early purchase options**, and know what steps to take if you can’t make an upcoming payment. Here's everything you need to know about managing your Acima Leasing account.

New to lease-to-own? Start with How Acima Works.

Lease-to-Own Terms Worth Knowing

A few words that come up throughout this guide:

• Lease agreement: Your contract with Acima Leasing. This is the source of truth for your exact payment schedule, fees, and terms.
• Lease renewal payment: The optional recurring payment you make to keep your lease active and move toward ownership.
• Early purchase price: The amount it would cost to buy out your lease today and own your item outright, ahead of your full lease term.**

Acima Leasing's Online Account: Lease Renewal Payment Management

After you begin your lease agreement, you will find that the Acima Leasing online account stands out with its user-friendly interface and intuitive navigation. Whether you access it online or through the app, managing your lease renewal payments is both convenient and efficient. The dashboard provides detailed information on your lease approval amount and lease renewal payment schedule, so you always know when and how to make your optional lease renewal payments on time. For a closer look at how these payments work, see What to Know About Lease Renewal Payments.

You can make lease renewal payments through whichever method works best for you:

• Automatically by ACH, processed from your bank account
• Credit, debit, or most pre-paid cards (Mastercard, Visa, and Discover accepted)
• Via the mobile app, your online account, or by phone with customer service

Setting up automatic lease renewal payments is the simplest way to make sure a scheduled date never slips your mind. However you choose to pay, your account is also where you manage when those payments happen — which is where payment timing comes in.

Managing Your Acima Leasing Payment Dates

Changing your payment date

You can request a new payment date through your Acima Leasing account, on the mobile app, or by contacting customer service directly. This is worth doing as soon as you know a date won't work for you. Moving a payment before it's due is often far easier than resolving one that's already been missed.

Aligning payments with your payday

For most customers, this is already built in. Acima sets your lease renewal payment schedule to align with your payday during the application process, so a payment shouldn't be due before you've been paid. If your pay schedule changes later — a new job, a switch from weekly to biweekly pay, anything like that — you can reach out to customer service or update your schedule through your account.

Options for Completing or Ending Your Lease

You have multiple options for ending your lease depending on your goal and situation. No option is the "right" choice; it's whichever fits how you want to pay, how soon you want to own the item, or whether you'd rather step away.

Carry out your full lease term.

Keep making your regular optional lease renewal payments on schedule through the end of your agreement. This is a straightforward path if you'd rather spread the cost out and don't have a reason to speed things up. Once you’ve made the total number of required payments, the item is yours.

Exercise an early purchase option.**

Acima Leasing offers attractive early purchase options.** These options are ideal for those who want to fast-track their path toward ownership. You're not automatically enrolled in these options but can choose them at any time. The first option is available within the initial 90 days of the lease agreement (3 months in California), allowing for earlier ownership.

After this window, another early purchase option provides a discount based on the remaining lease renewal payments. To exercise these options, you can simply call or chat with the customer service team.

Cancel and return the merchandise.

If you decide you no longer want to move toward ownership, you can return the merchandise and cancel your lease at any time, with no penalty for doing so. You’ll only be responsible for the time you have the merchandise and any fees accrued during your lease. Just call Acima Leasing’s customer service, and they can provide you with your options.

**Action required to exercise. See agreement for details.

What to Do If You Miss a Payment

Missing a payment isn't the end of your lease, but you may incur fees and it could affect your early purchase price, as spelled out in your lease agreement. If you know a due date won't work, take action right away: update your payment date online or contact customer service to make a plan ahead of time.

A little routine also goes a long way toward avoiding missed payments in the first place:

• Keep more than one payment method on file so a declined card or bank hiccup doesn't cause a payment to fail without a backup.
• Make sure your contact information is up to date so you receive any communication from Acima Leasing about upcoming or missed payments.
• If a payment does fail, contact customer service right away instead of waiting to see what happens. The sooner you're in touch, the more options you'll have.
• Read the missed-payment terms in your own lease agreement so you’re aware of what might happen if you miss a payment.

Where to Go If You Need Help With Your Acima Leasing Account

Acima Leasing prioritizes your satisfaction through various support options. Our customer service team is available via phone or online chat, with the hours of operation listed on the website for convenience. An extensive FAQ section provides quick answers to common questions, while personalized assistance is available for more specific concerns. This comprehensive support setup ensures that you always have the help you need when managing your lease renewal payment schedule.

Let’s Get Shopping

Acima Leasing emphasizes user empowerment with easy-to-navigate options and comprehensive support. By leveraging the benefits, flexibility, and support offered by Acima Leasing, you can enjoy a seamless and empowering shopping experience. Accept your lease approval amount today and embrace your shopping freedom.

Frequently Asked Questions

Quick answers to the questions people ask most about managing their Acima Leasing account.

How do I change my Acima payment date?

Request a new payment date through your Acima account, the mobile app, or by phone or chat with customer service. Do this as soon as you know a date won't work. It's easier to move a payment before it's due than to resolve one that's already been missed.

Can I sync payments to my payday?

Yes. Acima sets your lease renewal payment schedule to align with your payday during the application process. If your pay schedule changes later, update it through your account or with customer service.

How do I see my early purchase price?

Your early purchase price is available through your Acima account. It isn't fixed; it decreases as you make lease renewal payments.

What happens if I miss a payment?

It may involve fees and can affect your early purchase price, as set out in your lease agreement. If you know a due date won't work for you, update it in your account or contact customer service beforehand.

**Standard agreement offers 12 months to ownership if you choose to make each lease renewal payment, which may cost more than double the cash price. You are not automatically enrolled in any early purchase options and additional payments will be required to purchase early. To purchase early or cancel call (801) 297-1980 or go to customer.acima.com. Refer to your lease for specific terms and conditions.