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Acima logo

Open the door to new customers with Acima Solutions.

We unlock shopping power and choice for our universe of tens of millions of underserved consumers without access to traditional financing, while freeing merchants from the challenges of difficult credit and financing costs. Our proprietary platform of lease-to-own solutions generates real value and satisfaction for participants—that can have a tremendous impact on the bottom line.

Connecting customers through frictionless lease experiences.

Retail Partner Benefits

  • Attract new customers in the face of declining foot traffic

  • Serve credit-challenged customers in a seamless, transparent, and repeatable way

  • Lessen the burden of expensive, retail partner-funded rewards and retention schemes

  • Overcome e-commerce challenges without additional investment

Consumer Benefits

  • Provides underserved customers immediate access to goods they need and want

  • Alternatives to traditional financing for the under and unbanked, especially in tightening credit market

  • Greater confidence, choice, and shopping power

  • Opportunity to improve financial health through a positive leasing experience

A hand with a phone

Empowering today’s shoppers.

In-Store Assisted

We’re the only lease-to-own provider in the market with the option of providing supplemental staff to help close customers in-store.

Self-Guided Digital

Customers can make a lease-to-own decision and apply through an automated kiosk at the POS. They can also apply through our easy-to-use app or browser extension to confidently secure a lease before shopping.

Hybrid Model

We work in any and all ways that will benefit our retail partners and customers. This includes in-store options that serve as an alternative to traditional financing, as well as self-guided digital solutions that can also facilitate planning and e-commerce sales.

The new Acima Solutions strategy for success.

Acima Leasing™ logo

Our foundational lease-to-own (LTO) program provides greater access and choice for banked and unbanked consumers to lease must-have items. Our innovative solutions and world-class customer service can increase sales volume for your business while generating greater satisfaction for your patrons.

Acima Digital™ logo

Our new patent-pending digital platform leverages mobile, web, and in-store technology to support a seamless end-to-end LTO customer experience — from shopping to lease origination to servicing. Along with an ongoing pipeline of new capabilities and features being developed by our state-of-the-art innovation lab.

Acima MarketPlace™ logo

Our new, digital marketplace facilitates e-commerce sales for our merchant partners and frictionless lease-to-own transactions that better serve the needs of customers who don’t qualify for credit or traditional financing.

Our growing partner network has over 15,000 locations.

Best Buy
Ashley Homestore
Mattress Firm
Big O Tires
Bob's Discount Furniture
5 Star Furniture
Best Buy
Ashley Homestore
Mattress Firm
Big O Tires
Bob's Discount Furniture
5 Star Furniture

A history of success.
A future of innovation.

Acima Solutions is a division of Rent-A-Center, Inc. (RAC) focused on extending the company mission of partnering with retailers to provide more access and choice to underserved and overlooked consumers to lease the things they need to improve their quality of life.

RAC’s deep experience is the perfect foundation for building the new vision for Acima Solutions. And that is to grow what is currently the most complete and accessible lease-to-own offering on the market, into a true banking and credit alternative that leverages cutting-edge technology to expand the ways that our retail partners and customers can transact and prosper.

Visionary leadership from industry veterans.

Mitchell E. Fadel photo

Mitchell E. Fadel


Mitchell serves as both CEO and as a Director of Acima’s parent Rent-A-Center, Inc. He is a progressive leader with over 25 years of experience growing companies through various economic cycles. He has previously held many leadership roles both inside and outside the company, including President of U.S. Pawn for EZCORP, Inc., as well as President and COO roles at Rent-A-Center, Inc.

Jason J. Hogg photo

Jason J. Hogg


Jason has served as EVP since June 2020 and brings extraordinary expertise as a fintech pioneer, entrepreneur, and educator — with over 500 issued patent claims. Highlights include CEO roles at Aon Cyber Solutions and Blackstone’s B2R Holdings, L.P. He was also founder and CEO of Revolution Money, Inc., which was acquired by American Express, where he also served as its President post acquisition.

Ann L. Davids photo

Ann L. Davids


Ann has held dual roles of CCO/CMO at Rent-A-Center, Inc. since February of 2018. She’s a results-oriented executive with in-depth retail and financial services experience. Previously, she worked in leadership positions inside and outside RAC, serving as CMO for Direct General/National General Insurance, and as the senior-most marketing executive at Rent-A-Center, Inc. for 15 years.

Christopher J. Uriarte photo

Christopher J. Uriarte


Chris serves as the company’s CIO and SVP of Data Sciences and Technology, overseeing a number of technical and operational areas of the business.  He has spent most of his career in CIO, COO, CTO and executive leadership roles for large international companies, including Aon, American Express and ACI Worldwide (Retail Decisions).  He has also served as an advisor, board member and executive with several startups in the FinTech, payments and fraud prevention industries.

Aaron Allred photo

Aaron Allred


Aaron founded Acima in 2013 and he has served as its chief revenue officer since February of 2021. As CEO for over seven years, Aaron set Acima’s strategic and cultural direction and led the executive team. He is a serial entrepreneur who has been building companies in the consumer finance and services space for over 20 years. Aaron previously founded Quest Home Loans, Safeguard Pest Control, and Green Pest Services.

Cathy Skula photo

Cathy Skula


Cathy has served as EVP, CDO since November of 2020. She joined Rent-A-Center as an entry-level customer account representative 24 years ago and worked her way up, eventually overseeing 400 stores as a Division Vice President and leading the franchise division, Rent-A-Center Franchising International (RACFI). She was elected to the Board of APRO, the RTO trade organization, in 2017.