Easy ways to make payments and manage your account.

The period to ownership varies based on the item(s) you choose. If you elect to make all renewal payments you will own the merchandise in 12, 18, or 24 months, based on the lease agreement you are offered.

You also have the option to obtain ownership early.^ When you’re ready, you can end the lease with early purchase options described in your agreement. These options allow you to save significantly compared to the total cost of the lease. When you choose to own is up to you!

Your total lease amount is calculated based on the Acima Cash Price of the merchandise and the cost of the lease services. Please keep in mind that most states require sales tax to be paid on rental payments, meaning sales tax will be applied to all payments. If you make all lease renewal payments you will pay approximately double the original invoice price of the property.

You’ll have the opportunity to review your lease agreement during the application process by signing into the mobile app or your online account. If you’re shopping in-store and don’t have a smartphone, you can request the store print a physical copy for you to read and sign.

You can purchase the merchandise at any time after you receive it. Acima offers a 90-day early purchase option (3-month purchase option in California),^ which begins on the date you receive your merchandise and expires 90 days (3 months in California) later.^ This option lets you purchase the merchandise for the Acima Cash Price and a small purchase fee, which varies state-to-state, but is typically $25. The Acima Cash Price includes a markup over the merchant invoice price.

After the 90 days (3 months),^ you can purchase the merchandise by paying a lump sum percentage amount of whatever your remaining total lease amount is at that time. The percentage varies by state but is generally 65% of your remaining total lease amount. This lets you purchase the property before the end of the 12, 18, or 24 months of lease renewal payments at a discount.

You can also elect to make all lease renewal payments for your merchandise and you will own the merchandise! Please keep in mind that failed or late payments may accrue fees, so see your lease agreement for a full breakdown of fees. If you elect not to purchase the merchandise through one of these options, you may terminate the lease at any time without penalty.

You are not automatically enrolled in an early purchase option at lease inception. To purchase early or exercise a 90-day purchase option,^ call or chat with our helpful customer service department.