How Acima Leasing Works: Use Lease-to-Own to Make Shopping Easier

You might start with a simple plan for what you want to add to your home, then something unexpected shifts the order of what feels most important. These moments happen in everyday life, especially with the items you rely on the most.

• An appliance slows down or stops working when you least expect it [1]
• A refrigerator stops working at a moment when you already have a lot on your plate [2]
• Your laptop slows down during an important project [3]
• A move creates several immediate needs at once [4]

When something like this happens, you start thinking about what you need right now and what will keep your routine steady. Finding the right item becomes a practical step, and once you find it, you naturally think about how you want to bring it home.

Acima Leasing provides access to lease-to-own options as part of your shopping experience, both online and in-store at thousands of retailers. It gives you the chance to stay focused on what you need and explore options that work with your budget.

Here is how these everyday moments connect with the choices you make while shopping and how Acima Leasing can support that process.

How Your Shopping Habits Guide Your Choices

When Something Needs Attention

You notice something in your home or routine falling behind. A mattress that no longer feels supportive. A refrigerator that stops cooling correctly. A laptop that slows your workday. A sofa that has reached the end of its comfort life.

In moments like these, you start by narrowing your options.

You might:

• Look at what fits the layout of your space 
• Compare a few options at your favorite stores 
• Think about how the item supports your daily needs 

These early thoughts shape what you look for next.

When You Pause to Think It Through

Before you check out, whether in-store or online, there is often a short pause. You want to choose the right item that works with your timing and budget.

You might consider:

• Whether this item is something you should shop for now or later 
• What features matter the most for your lifestyle 
• Which stores offer the options you’re looking for 

It's essential to take a moment and review your options and choose what feels right.

When You Find the Item That Fits

Eventually, you land on the product that fits your space, your taste, and your plans. It might be:

• A sofa and loveseat set that brings your living room together 
• A desktop that supports your work or school schedule 
• A refrigerator that keeps up with your family’s routine 

With your ideal item in front of you, the next question becomes how to bring it home in a way that works with your budget.

How Acima Leasing Works

Lease-to-own with Acima Leasing lets you shop for what you need without using credit. (Not a credit or financing transaction. Approval requires review of consumer reports.)

With Acima Leasing, you can:

• Find a participating retailer on the Acima Leasing website
• Receive a quick approval decision by applying in-store or online
• Enjoy what you need with lease renewal payments that align with your payday

Acima Leasing offers access when you want an option that helps you keep moving toward what you need. Apply now and see how Acima Leasing can help you shop for what you need today!

Frequently Asked Questions

What Can You Lease with Acima Leasing? 

You have many categories to explore with Acima Leasing. Here are a few examples of what you can lease:

• Furniture: Couches, bedroom sets, and dining pieces
• Electronics: TVs, laptops, and everyday tech
• Appliances: Refrigerators, washers, dryers, and kitchen essentials
• Jewelry: Chains and other special pieces
• Mobile Phones: Devices that help you stay connected
• Tires: Options that support a safe driving experience

How do I apply for a lease with Acima? 

You can apply online, through the mobile app, or in-store at a retailer that works with Acima Leasing. You will only need three items to complete your application process. 

• Proof of an active checking account with at least $750 in monthly income 
• 3 months of income history from your current source of income 
• A government-issued photo ID and an SSN or taxpayer identification number 

What are my lease renewal payment options with Acima Leasing? 

The due dates of your lease renewal payments are based on your payday as provided in your lease application. After you make your first lease renewal payment, you’re able to change your lease renewal payment frequency if needed. If you think you are going to miss a lease renewal payment, you will need to let the customer service team know 3 days in advance of your lease renewal payment’s processing date. 

Most lease renewal payments are made automatically by ACH, which automatically processes from your bank account. You can also use a credit, debit card, or most prepaid cards to make lease renewal payments and have those lease renewal payments set up to process automatically as well. 

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. 

Sources:

1. Better Homes & Gardens. Can you take appliances when you move?.
2. Sense. Should you get rid of your old fridge?.
3. Business News Daily. When to replace company computers.
4. Apartment List. First apartment checklist.