Acima requires 3 months of income history
Acima requires 3 months of income history with current source of income for approval.
"3 months of income history with your current source of income"
A lease-to-own fintech company that provides flexible payment solutions for furniture, electronics, and other consumer goods. A subsidiary of Upbound Group.
Acima requires 3 months of income history with current source of income for approval.
"3 months of income history with your current source of income"
Acima has partnerships with more than 11,000 retailers.
"11,000+ retailers"
Acima Leasing announced an exclusive lease-to-own partnership with iFIT in April 2024.
"Acima Leasing Announces Exclusive LTO Partnership with Global Fitness Leader, iFIT Apr 30, 2024"
Customers can shop for brand-name products using Acima's service.
"Shop brand-name products at one of our retail partners"
Acima Leasing provides lease services for merchandise intended for personal, family, or household use to consumers.
"We lease merchandise for personal, family, or household use to consumers."
Items must cost at least $300 each to be eligible for lease through Acima.
"Items must cost at least $300 each to be eligible for lease."
Acima does not lease services such as extended warranties, installation, or repairs.
"Services (e.g., extended warranties, installation, repairs)"
Applicants for the Acima Classic Credit Mastercard must be at least 18 years old.
"To be approved, you must: Be at least 18 years old, have a valid social security number, physical address, and a US IP address."
Payment history with the Acima Classic Credit Mastercard is reported to all three major credit bureaus.
"Your payment history with the Acima Classic Credit Mastercard is reported to all three major credit bureaus."
Acima provides flexible leasing options for brand-name products.
"Shop brand-name products at one of our retail partners for flexible leasing options"
Through Acima's mobile app, customers can shop at Amazon, Best Buy, and Walmart.
"Shop big names like Amazon, Best Buy & Walmart – only in the app."
Acima provides lease agreements of 12 months or longer for customers to review and sign.
"We'll provide a lease agreement of 12 months or longer for you to review and sign"
Acima works with retail partners where customers can shop using their leasing service.
"Shop brand-name products at one of our retail partners"
Acima partners directly with some retailers on Acima MarketPlace to offer integrated checkout experience.
"We partner directly with some retailers you find here on Acima MarketPlace™ to offer a more integrated checkout experience."
Acima's application requirements include basic information, an active checking account, and 3 months of income history with $750+.
"Todo lo que necesita es información básica, una cuenta corriente activa y 3 meses de historial de ingresos con $750+."
Acima requires applicants to have at least three months of income history with their current income source.
"Have at least three months of income history with your current source of income"
Acima prohibits leasing clothing, apparel, consumables, and gift cards.
"Clothing & Apparel, Consumables, Gift Cards"
Acima has more than 15,000 stores in their retail network, including major retailers and local businesses, plus many online stores.
"Hay más de 15.000 tiendas para elegir, incluidos los principales minoristas y empresas locales, además de muchas tiendas en línea."
If approved, the Acima Classic Credit Mastercard will be mailed and should be received within 14 business days of approval.
"If approved, a credit card will be mailed to you. You should receive it within 14 business days of approval."
Acima was named the exclusive lease-to-own provider by Big Brand Tire and Service on June 6, 2023.
"Acima Named Exclusive Lease-to-Own Provider by Big Brand Tire and Service 06/06/2023"
Acima leases merchandise for personal, family, or household use to consumers including furniture, mattresses, appliances, electronics, and more.
"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!"
Payments for the Acima Classic Credit Mastercard can be mailed to Concora Credit at PO Box 96541 Charlotte, NC 28296-0541.
"you can mail your payments for either account to: Concora Credit | PO Box 96541 Charlotte, NC | 28296-0541"
Acima requires an active checking account with at least $750 of income per month as a basic requirement.
"An active checking account with at least $750 of income per month"
Acima application requirements include an active checking account and 3 months of income history with $750 or more.
"All you need is some basic information, an active checking account, and 3 months of income history with $750 or more."
Acima requires applicants to be 18 years old or older to qualify for their services.
"Be 18 years old or older"
Acima and Bob's Discount Furniture announced an exclusive collaboration to provide lease-to-own solutions on December 3, 2025.
"Acima and Bob's Discount Furniture Announce Exclusive Collaboration to Provide Innovative Lease-to-Own Solution 12/3/25"
Application decisions for Acima services are received within seconds.
"Application decisions are received within seconds."
Acima lease agreements allow customers to own merchandise in 12, 18, or 24 months if they make all renewal payments.
"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."
Acima Leasing provides flexible lease-to-own solutions that help customers take home items without needing perfect credit.
"Con Acima Leasing®, nuestras soluciones flexibles de arrendamiento con opción a compra te ayudan a llevarte a casa un sofá nuevo, una TV, un colchón, un celular, llantas y más."
Acima provides instant approval for customers to shop at participating retail stores.
"get approved instantly"
The Acima app allows online and in-store shopping with lease management capabilities.
"The Acima app allows online and in-store shopping with lease management."
Acima's API is organized around REST with predictable, resource-oriented URLs and uses HTTP response codes to indicate API errors.
"Acima is organized around REST. Our API has predictable, resource-oriented URLs and uses HTTP response codes to indicate API errors."
Acima purchases eligible products selected by customers and leases them to the customer after lease agreement is signed.
"Once you review your lease agreement and sign, we'll purchase any eligible products you selected and lease them to you."
Through Acima's mobile app, customers can shop at major brands including Amazon, Best Buy, and Walmart.
"Compra en grandes marcas como Amazon, Best Buy y Walmart, solo desde la app."
Extended warranties, installation services, and similar services are not eligible to be added to Acima lease agreements.
"These types of services are not eligible to be added to your lease agreement."
Acima partners with thousands of stores including major retailers, local businesses, and online stores.
"There are thousands of stores to choose from, including major retailers and local businesses—plus lots of online stores."
Acima requires applicants to have basic information, an active checking account, and 3 months of income history with $750 or more.
"All you need is some basic information, an active checking account, and 3 months of income history with $750 or more."
Acima released a new Shopify app to make retailer integration easier on August 8, 2023.
"Acima Releases New Shopify App, Making Retailer Integration Easier Than Ever 08/08/2023"
Acima's partner network has over 15,000 locations.
"Our Growing partner network has over 15,000 locations"
Acima allows customers to shop in-store, online, or through their mobile app.
"With Acima you can shop your favorite retailers how you like to shop ; in-store, online, or with our mobile app."
Most Acima transactions are paid to retailers within two business days of merchandise delivery or pickup.
"The process is simple and most transactions will be paid within two business days of the merchandise being delivered or picked up by the customer."
Acima offers the Acima Classic Credit Mastercard as a financial product.
"Introducing the Acima Classic Credit® Mastercard®"
Acima serves a universe of tens of millions of underserved consumers without access to traditional financing.
"We unlock shopping power and choice for our universe of tens of millions of underserved consumers without access to traditional financing"
Acima provides high approval amounts of up to $5,000 for leasing to help customers get what they need.
"High approval amounts of up to $5,000† for leasing help customers get what they need."
Over 50% of prime credit applications are denied, but Acima approves 80% of those credit denials for a lease.
"Over 50% of prime credit apps are denied. Acima approves 80% of those credit denials for a lease."
Acima offers a store locator service to help customers find nearby retailers.
"Use our store locator to find a retailer near you."
Applicants must be at least 18 years old to be approved for the Acima Classic Credit Mastercard.
"To be approved, you must: Be at least 18 years old, have a valid social security number, physical address, and a US IP address."
Acima Leasing was named the exclusive lease-to-own partner for Slumberland Furniture in June 2024.
"Acima Leasing is Named the Exclusive LTO Partner fot Top Furniture Retailer, Slumberland Furniture Cu... June 20, 2024"
Acima is the only lease-to-own provider in the market offering supplemental staff to help close customers in-store.
"We're the only lease-to-own provider in the market with the option of providing supplemental staff to help close customers in-store."
Acima customers can obtain ownership of leased products by making required payments or choosing early purchase savings options.
"you can obtain ownership by making the required payments or choosing early purchase savings."
Payment history with the Acima Classic Credit Mastercard is reported to all three major credit bureaus.
"Your payment history with the Acima Classic Credit Mastercard is reported to all three major credit bureaus."
Acima operates at thousands of retailers across the United States.
"Our proprietary technology enables customers to shop through our mobile app, online, or in stores at thousands of retailers across the nation."
Customers can receive approval decisions in seconds through Acima's quick online application process.
"Customers get an approval decision in seconds using our quick online application"
Customers can complete their transactions through Acima without leaving the merchant's website.
"Your customers can complete their transaction without leaving your site."
Acima approves 80% of customers who were denied prime credit for a lease.
"Over 50% of prime credit apps are denied. Acima approves 80% of those credit denials for a lease."
Acima's application approval decisions are received within seconds.
"Application decisions are received within seconds."
Acima was selected as the exclusive lease-to-own provider of CITY Furniture on November 29, 2022.
"Acima Selected as Exclusive Lease-to-Own Provider of CITY Furniture 11/29/2022"
The Acima Classic Credit Mastercard is issued by The Bank of Missouri pursuant to a license from Mastercard and serviced by Concora Credit Inc.
"Acima Classic Mastercard is issued by The Bank of Missouri pursuant to a license from Mastercard and serviced by Concora Credit Inc."
If customers make all lease renewal payments through Acima, they will pay approximately double the original invoice price of the property.
"If you make all lease renewal payments you will pay approximately double the original invoice price of the property."
Acima uses scannable QR codes and self-service kiosks to enable customers to complete lease-to-own agreements.
"With scannable QR codes and self-service kiosks, customers can quickly and easily complete a lease-to-own agreement."
Acima prohibits leasing items meant to be permanently attached to a home or vehicle.
"Items meant to be permanently attached to a home or vehicle"
Acima's proxy technologies allow customers to shop and complete lease agreements online with no implementation costs for retailers.
"Our proxy technologies allow customers to shop and complete a lease agreement online—with no implementation costs for you."
Acima Leasing announced an exclusive lease-to-own partnership with global fitness leader iFIT in April 2024.
"Acima Leasing Announces Exclusive LTO Partnership with Global Fitness Leader, iFIT Apr 30, 2024"
Acima lease approvals are valid for 60 days from the time of approval.
"Once you're approved for a lease, the approval lasts for 60 days!"
The Acima mobile app allows users to apply for leases, shop, complete agreements and manage existing leases.
"You can now apply for a new lease, shop online or in stores, complete your agreement and manage your lease—all from the comfort of your phone."
Acima uses soft credit pulls when accessing consumer reports from national credit reporting agencies TransUnion, Experian, and Equifax.
"Acima uses a soft pull when it accesses your consumer report from any of the national credit reporting agencies (TransUnion, Experian, and Equifax)."
Acima provides high approval amounts of up to $5,000 for leasing.
"High approval amounts of up to $5,000† for leasing help customers get what they need."
Acima has both Sandbox and production API credentials available for testing applications end-to-end before going live.
"Acima has Sandbox and production API credentials, allowing you to test the application end-to-end before going live."
The customer service number for Acima Classic Credit Mastercard is 1-800-719-5467.
"Acima Classic CreditTM Mastercard® | 1-800-719-5467"
Acima purchases eligible products selected by customers and then leases those products to the customers.
"we'll purchase any eligible products you selected and lease them to you."
Most Acima transactions will be paid within two business days of merchandise being delivered or picked up by the customer.
"The process is simple and most transactions will be paid within two business days of the merchandise being delivered or picked up by the customer."
Acima provides an alternative to traditional financing through lease-to-own payment options.
"We provide a much-needed alternative to traditional financing."
Acima Leasing announced an exclusive lease-to-own partnership with iFIT on April 30, 2024.
"Acima Leasing Announces Exclusive LTO Partnership with Global Fitness Leader, iFIT 04/30/2024"
Acima's application process does not harm customer credit scores.
"Our application is fast and easy to complete, and won't harm your credit"
Acima requires applicants to have an active checking account with at least $750 of income per month.
"Have an active checking account with at least $750 of income per month"
Acima Digital is a patent-pending digital platform.
"Our new patent-pending digital platform leverages mobile, web, and in-store technology"
Acima provides lease-to-own services that make shopping easier for customers.
"How Acima Leasing Works: Use Lease-to-Own to Make Shopping Easier"
The customer service phone number for the Acima Classic Credit Mastercard is 1-800-719-5467.
"Acima Classic CreditTM Mastercard® | 1-800-719-5467"
Acima provides approval for $300 to $5,000 of shopping power for qualified customers.
"You could get approved for $300 to $5,000† of shopping power by meeting these basic requirements"
Acima helps people access products without credit requirements.
"Acima helps people from all backgrounds live a better quality of life with easier access to the things they need and want—all without credit*."
Acima allows customers to return merchandise in good condition at any time without penalty.
"if you no longer want the merchandise, you can return it in good condition at any time without penalty"
Acima publishes content about customer experiences and reviews of their leasing services.
"What Customers Say About Their Experience In Acima Leasing Reviews"
Acima Leasing was named the exclusive lease-to-own partner for top furniture retailer Slumberland Furniture in June 2024.
"Acima Leasing is Named the Exclusive LTO Partner fot Top Furniture Retailer, Slumberland Furniture Cu... June 20, 2024"
Acima has helped retail partners close billions in additional sales.
"We've helped our retail partners close bilions in additional sales"
Acima's partner network includes more than 15,000 locations.
"Our Growing partner network has over 15,000 locations"
The Acima mobile app allows shopping with Amazon, Best Buy, and Walmart.
"Shop big names like Amazon, Best Buy & Walmart – only in the app."
Acima provides a credit card product called the Acima Classic Credit Mastercard.
"Introducing the Acima Classic Credit® Mastercard®"
The Acima Classic Credit Mastercard can be used wherever Mastercard is accepted in the United States.
"A physical card that can be used wherever Mastercard® is accepted in the U.S."
Items must cost at least $300 each to be eligible for Acima lease programs.
"Items must cost at least $300 each to be eligible for lease."
Customers can shop online retailers through the Acima MarketPlace on web or mobile app.
"You can shop many of your favorite online retailers through the Acima MarketPlace™ right here on the web—or through our mobile app."
Roughly 30% of Woodstock Furniture Outlet's customers are using Acima services.
"Roughly 30% of our customers are using this now. Our business has gone up..."
Acima Leasing was named the exclusive lease-to-own partner for Slumberland Furniture customers on June 20, 2024.
"Acima Leasing is Named the Exclusive LTO Partner for Top Furniture Retailer, Slumberland Furniture Customers 06/20/2024"
Acima Leasing was honored as a 2025 Utah Top Workplace on September 8, 2025.
"Acima Leasing Honored as a 2025 Utah Top Workplace 9/8/2025"
Acima offers flexible leasing options for purchasing products.
"flexible leasing options"
Acima works with thousands of stores including major retailers and local businesses, plus online stores.
"There are thousands of stores to choose from, including major retailers and local businesses—plus lots of online stores."
Acima works with retail partners where customers can shop using their flexible leasing options.
"Shop brand-name products at one of our retail partners for flexible leasing options"
Acima does not charge an application fee for their lease services.
"Do you charge an application fee? Nope! It's free to apply."
Acima maintains a blog titled 'Acima Partner Blog: Insights for Retail Partners' that provides content for both customers and partners.
"Acima Partner Blog: Insights for Retail Partners"
If approved, the Acima Classic Credit Mastercard will be mailed and should be received within 14 business days of approval.
"If approved, a credit card will be mailed to you. You should receive it within 14 business days of approval."
Acima provides lease-to-own services at over 14,000 locations and partners with more than 11,000 retailers.
"14,000+ locations 11,000+ retailers"
Acima released a new Shopify app in August 2023 to make retailer integration easier.
"Acima Releases New Shopify App, Making Retailer Integration Easier Than Ever Aug 8, 2023"
Customers can be approved for eligible items valued between $300 and $5,000 through Acima.
"You can be approved for eligible items valued at $300 to $5,000."
Acima generally leases durable goods that are for personal or household use and can be returned.
"Generally, you may lease durable goods that are for personal or household use and can be returned."
Acima has lease-to-own solutions available in more than 14,000 locations.
"14,000+ locations"
Acima provides pre-built shopping cart plugins for eCommerce integration.
"Pre-built shopping cart plugins"
Acima Leasing began providing lease-to-own options at Levin Furniture & Mattress with a multi-year agreement on April 16, 2024.
"Acima Leasing now provides lease-to-own options at Levin Furniture & Mattress with multi-year agreement 04/16/2024"
Acima provides instant approval for customers shopping at their retail partner stores.
"Find stores near you that accept Acima and get approved instantly"
Acima's technology enables customers to shop through mobile app, online, or in physical stores.
"Our proprietary technology enables customers to shop through our mobile app, online, or in stores at thousands of retailers across the nation."
Acima provides a store locator service to help customers find stores near them that accept Acima.
"Find Stores Near You to Shop with Acima - Store Locator"
The Acima Classic Credit Mastercard is issued by The Bank of Missouri pursuant to a license from Mastercard and serviced by Concora Credit Inc.
"Acima Classic Mastercard is issued by The Bank of Missouri pursuant to a license from Mastercard and serviced by Concora Credit Inc."
Acima requires a government-issued photo ID and an SSN or Taxpayer Identification Number for application.
"Government-issued photo ID and an SSN or Taxpayer Identification Number"
Rent-A-Center, Inc. changed its name to Upbound Group, Inc. on February 23, 2023.
"Rent-A-Center, Inc. Is Now Upbound Group, Inc., Advancing Its Mission to Elevate Financial Opportunity for All 02/23/2023"
Acima Solutions operates as a division of Rent-A-Center, Inc. (RAC).
"Acima Solutions is a division of Rent-A-Center, Inc. (RAC)"
Chuck Wait Tire in Marietta, GA increased their new tire sales by about 20% from having Acima.
"We have increased our new tire sales by about 20%, just from having Acima."
Acima provides a Chrome extension for desktop users.
"Install our mobile app, or Chrome extension if you're using a desktop"
The Acima Classic Credit Mastercard can be used wherever Mastercard is accepted in the U.S.
"A physical card that can be used wherever Mastercard® is accepted in the U.S."
Acima provides flexible purchase options that allow customers to attain ownership when ready.
"with flexible purchase options that enable customers to attain ownership whenever they're ready."
Acima serves a universe of tens of millions of consumers who typically don't qualify for traditional financing.
"serving our universe of tens of millions of consumers that typically don't qualify for traditional financing"
Acima provides lease-to-own options that do not require perfect credit for approval.
"Get the things you love —all without perfect credit*."
The Acima Classic Credit Mastercard is designed for people with less-than-perfect credit.
"The Acima Classic CreditTM Mastercard® is designed for people with less-than-perfect-credit."
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