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.

• Be 18 years old or older
• Have an active checking account with at least $1,000 of income per month
• Have at least three months of income history with your current source of income
• Have a government-issued photo ID, and a social security number or Individual Taxpayer Identification Number (ITIN)

If you’ve got all those things, great! Fill out the application and we’ll let you know within seconds if you’re approved!

All kinds! We lease merchandise for personal, family, or household use to consumers. Our merchandise categories include furniture, mattresses, appliances, auto wheels and tires, as well as, home and 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. Items must cost at least $300 each to be eligible for lease.

Yes. We report your lease payment activity to the credit bureaus. 

Your credit score with the national credit reporting agencies (TransUnion, Experian, and Equifax) should not be impacted by applying for a lease through Acima. Our application process, however, does include a review of your consumer report, and depending on the consumer reporting agency, the inquiry may appear on your consumer report. Acima uses a soft pull when it accesses your consumer report from any of the national credit reporting agencies (TransUnion, Experian, and Equifax).

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 pre-paid cards to make payments and have those payments set up to process automatically as well. We accept Mastercard, Visa and Discover.

Alternatively, you can make payments in the mobile app, logging into your online account, or over the phone by calling customer service at (801) 297-1982.

Depending on your lease agreement, you may be able to make cash payments at popular retailers, such as: CVS^®, Dollar General^®, Family Dollar^® and 7-Eleven^® using your VanillaDirect Pay™ barcode for a $1.50 transaction fee. If this option is available to you, the barcode can be accessed by logging into your online account.

Visit https://www.acima.com/