Choose from thousands of retail stores
Our lease-to-own solutions allow you to get key items like furniture, mattresses, appliances, tires, electronics. jewelry, and more - all without perfect credit.
Choose a store and apply on Acima.com or the mobile app. You can also find a retail location and shop in person.
Get approved for up to $5,000†
Our application is fast and easy to complete, and won't harm your credit. You could get approved for $300 to $5,000† of shopping power by meeting these basic requirements:
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
Shop for goods at your selected retailer
Shop online through the Acima MarketPlace™ or at the retail location you applied to and choose the eligible items you want—up to your approved lease amount. Acima will then make the purchase and lease it to you as detailed in your agreement.
Start Check Out
Provide your lease info to an in-store sales rep or choose “Acima Checkout” online.
Complete Your Agreement
We’ll provide a lease agreement of 12 months or longer for you to review and sign.
Set Up Payments
Make an initial lease payment and choose a flexible schedule based on how often you get paid.
Get your stuff and enjoy!
Lease it until you own it or purchase early at a discount.^ Either way, it's yours to keep. The sooner you do so, the more you'll save. Of course, if you no longer want the merchandise, you can return it in good condition at any time without penalty.