Who is Acima Credit?
Acima Credit provides a flexible and creative alternative to traditional consumer lending. Our No-Credit-Needed lease program provides a lease option where eligibility is not based solely on credit, so you can take home what you need today.

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Why use Acima?

• No Credit Needed, your FICO score will not be impacted

• Get approved up to $5,000

• $70.00 initial payment

• 90-day early purchase option (3-month purchase option in California).

• This option lets you purchase the merchandise for the Acima Cash Price price plus the initial payment and a small purchase fee, which varies state-to-state, but is generally $50.

• Easy payments over 12 months or purchase early at anytime during your agreement.

• Acima reports your lease activity to Experian.

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What do I need to apply?

• 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 ITIN.

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

Have Questions about Acima? Visit Frequently Asked Questions.