We help to increase sales in two important ways. First, we help you complete more sales through our flexible lease-to-own and non-prime credit programs† that provide options for your customers who may not be able to qualify for credit financing from primary lenders. Second, our marketing efforts will drive prior Acima customers back to you, as well as locate, qualify, and direct new customers to your location. This approach helps to build new sales, increase traffic, and satisfy more customers.

The application requires the customer to complete fields, including name, date of birth, social security number, address, etc. The application process will first consider a customer for an Acima Private Credit Account. If they are not approved for the Private Credit Account, they will be considered for an Acima Lease, for which they will also be required to provide their banking information.  

Application decisions are received within seconds. 

With our Acima Leasing solution, we buy the product from you and lease it to the customer with clear paths to ownership. With our Acima Private Credit option, the customer owns the product after purchasing it from you and makes payments on the Acima Private Credit Account. 

The process is simple and most transactions will be paid within two business days of the merchandise being delivered or picked up by the customer. Funding for leases will be processed separately from funding for credit purchases, but both can be routed to the same bank account. We provide reporting which allows for easy and accurate reconciliation of all your Acima transaction payments.