Searching For “Acema”? Start With Acima Leasing

“Acema” brought you here. Here's why.

It's more common than you might think. If you searched for “Acema” while learning about lease-to-own, you’ve landed in the right place. This Q&A guide explains how Acima Leasing works and answers the questions customers usually have first.

Why Use Acima Leasing?

Acima Leasing is a lease-to-own provider that helps customers access items they need without using credit.

(Not a credit or financing transaction. Approval will require review of consumer reports.)

What is Lease-to-Own?

Lease-to-own is an alternative to financing that allows customers to get the home and lifestyle items they want at checkout. Instead of lending you funds, Acima Leasing purchases the item you want on your behalf and then leases the product to you.

This approach can be helpful when life changes unexpectedly and customers need another option to use at checkout.

What Can You Lease-to-Own with Acima Leasing?

Lease-to-own can be used for many everyday and household items. Customers often use it for furniture, mattresses, appliances, electronics, and jewelry. These options can help with essential or timely needs when circumstances change and timing becomes a more important factor in the shopping experience.

What Are Lease Renewal Payments?

Lease renewal payments are part of how lease-to-own works once you’re approved. After approval, you have up to 60 days before the lease expires. This time allows customers to review their approval amount and lease agreement details.

If you continue with the lease, your lease renewal payment schedule follows the information provided in your application and aligns with your payday.

Is There a Minimum Amount?

When using lease-to-own, items must cost at least $300 each to be eligible.

How Does the Acima Leasing Application Work?

The application process is quick and user-friendly as customers shop. Many customers receive a lease application decision within minutes. If approved, customers can shop with a lease renewal payment schedule that aligns with their payday at participating retailers.

What Do You Need to Complete an Application?

To complete your application, you will need a few simple items.

• An active checking account with at least $750 of income per month 
• 3 months of income history with your current source of income 
• Government-issued photo ID and an SSN or taxpayer identification number 

How Do You Apply for Acima Leasing?

How you want to get started is up to you. You can either apply in-store or online. Here’s how you can apply: 

• Get the App: Start by downloading the app for iOS or Android 
• Visit a Retailer In-store or Online: Find and visit one of our 15,000 retailer locations in-store or online and get started with your application
• Fill Out an Application: Enter your information into the application form. It’s a simple and secure process that takes little time.
• Receive a Quick Status Update: Get a quick response on your application.

After that, if you are approved, you can review and accept your lease agreement to start shopping! 

Frequently Asked Questions:

How Do You Manage Your Lease Renewal Payments with Acima Leasing?

Through our user friendly online portal, you can easily view your lease renewal payment schedule, helping you to stay informed of all your lease specifics. If you think you’ll miss your date, simply provide our customer service team with a three-day notice in advance of your scheduled lease renewal payment’s processing date.

What Are My Early Purchase Options?

You can explore exercising one of the two early purchase options we offer. The first early purchase option is typically available for the first 90 days of the lease agreement (3 months in California). After the first early purchase option has passed, your second option is an early purchase discount based on your remaining lease renewal payments.

How Do You Contact Customer Service?

Our team is available to address any questions or concerns you may have, to help you feel confident in your leasing experience. The FAQ page addresses questions related to:

• About Leasing
• Application Process
• Lease Agreements
• Payment Information
• Service & Support

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.