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Frequently Asked Questions.
What is Acima?
Acima is an alternative way to shop for the name-brand items you want, at the stores you want, without paying cash or relying on credit. After completing an easy application process, you’ll receive an instant approval decision. If approved, begin a lease agreement that will allow you to get your merchandise right away for a low initial payment, then make rental payments until you obtain ownership.
What type of items can be leased with Acima?
All kinds! We lease merchandise for personal, family, or household use to consumers. Our merchandise categories include furniture & mattresses, appliances, auto wheels & tires, as well as, home & mobile electronics, car audio, eyewear, power tools, jewelry, and more!
Generally, you may lease durable goods that are for personal or household use and can be returned.
Eligible Items Include
- Appliances (including hoses)
- Video Game Systems
- Audio Speakers
- Computers, Laptops, Tablets, Smart Phones
- Camera Equipment
Prohibited Items Include
Items meant to be permanently attached to a home or vehicle
- Services (e.g., extended warranties, installation, repairs)
- High Risk Items (e.g., weapons, trampolines, drones)
- Clothing & Apparel
- Gift Cards
Who owns the merchandise I’m leasing?
Acima owns the merchandise until you’re ready to own it. After you sign the lease agreement, Acima purchases the merchandise you picked out and leases it to you until you obtain ownership or terminate the lease.
When can I own my product?
If you prefer predictable payments and the flexibility of the lease, you can own it after making all lease renewal payments. If you’re ready sooner, you can purchase early as described in the agreement and save over the total cost of the lease. If you wish to stop making renewal payments before obtaining ownership, you can return your merchandise at any time.
How is leasing different from a credit transaction?
In a credit transaction, a financial institution extends funds to you or to another on your behalf, which you can then use for a purchase. If you make a purchase on credit, you borrow the money and then make payments back to the creditor, which include finance charges such as interest.
On the other hand, when you enter into a lease agreement, you agree to lease merchandise from Acima. Acima then purchases the merchandise you select from a participating merchant. We don’t extend funds to you or on your behalf. You make lease renewal payments to Acima while using the merchandise, and you can use a purchase option to own the property, or terminate the lease at any time, without penalty. There is no interest, but you make lease payments based on the value of the merchandise and the cost of lease services. Acquiring ownership by leasing costs more than the retailer's cash price.
Can I use my lease approval amount at any store?
Your approval amount can be used for eligible items at thousands of stores, which you can find by using our store locator. We’re always looking for ways to expand your choices, so keep an eye out for additional ways to shop in the near future.
Does Acima report to credit bureaus?
Yes. We report your lease payment activity to the credit bureaus.