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90 Day Early Purchase Option with Acima

Updated: Mar 9, 2023

Get What You Need Today!

Leasing online is quick and easy with Acima. After you submit your application, you will receive a decision and approval amount within minutes. There is no credit check and it’s a great way to build credit history.

Eligibility Requirements

  • INCOME HISTORY - 3 month history with current employer or source of income.

  • MONTHLY INCOME - deposit $1,000 per month or more into your checking account.

  • CHECKING ACCOUNT - traditional checking account open for at least 90 days and in good standing (no NES, excessive overdrafts, or negative balances).


Who is Acima?

Acima 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.

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 and we’ll let you know within seconds if you’re approved!

How much can I get approved for?

You can be approved for leasable items valued at $500 to $5,000.

How long does my approval last?

Once you’re approved for a lease, the approval lasts for 45 days! If you don’t use it in that time frame, the approval simply expires.

Do you charge an application fee?

Nope! It’s free to apply. You only pay $50 initial payment if you choose to accept the lease.

Who do I contact if I have a question about my lease?

Acima Customer Service Department can be reached at 801.297.1982. They also have an online chat option, which can be reached by clicking the round Chat icon in the bottom right corner of their website. Customer Service Department is open for calls Monday-Friday from 6:30 AM to 7:00 PM MT, and on Saturdays from 7:30 AM to 3:30 PM MT. Chat is open Monday-Friday from 7:00 AM to 9:00 PM MT and on Saturday from 7:00 AM to 7:00 PM MT.

How do I make payments?

Most lease renewal payments are made automatically by ACH, which automatically processes from your bank account. You can also use a credit or debit card to make payments and have those payments set up to process automatically as well. Alternatively, you can make payments over the phone by calling Customer Service at 801.297.1982, or by logging into your online account on

Can I list multiple sources of income on my application?

We don’t require specific income information on the application, such as your employer name or address. We will just ask what your primary source of income is (i.e. full-time job), how you’re paid, and what your total monthly income is. You’re welcome to include all sources of income in the monthly total!

When will my payment be/how much will my payments be?

Your renewal payments are based on the value of the merchandise you select and the cost of lease services. Once you pick out the merchandise, we will create a lease agreement based on the value of the leasable items. You can review your renewal payment amounts and frequency prior to signing the lease agreement.

The due dates of your renewal payments are based on the pay dates you enter on your application. After you make your first renewal payment, you’re able to change your payment frequency if needed.

Your regularly scheduled renewal payments will NOT pay off the merchandise within 90 days. Call or chat with Acima’s customer service to set up your 90-day payment plan.

What is the initial payment?

The initial payment is your first payment towards your lease! It is deducted from your total lease amount and is required to be made before you receive the merchandise. This amount varies by participating merchant location and by industry but is generally between $0 to $70.

What happens to my order if I don't get approved?

Pending orders are removed from our system after 3 days. If you’re still interested and want to process your order with a different form of payment, contact us at (562) 801-8383 and we we’ll gladly help you with that.


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