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 renewal frequency prior to signing the lease agreement.
What do I need to apply?
• Be 18 years old or older
• Have an active checking account with at least $750 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!
Do I need a good credit score to use financing programs?
While we may receive your consumer report and credit score, we look at multiple data points in order to make a final decision, and we regularly approve customers who have less than perfect credit history. All you need to do to get started is provide some personal information, banking account numbers, and meet some basic income requirements.
What is the difference between a "soft" and a "hard" credit check?
A “soft” pull of your consumer report is an option available from the national consumer reporting agencies (TransUnion, Experian, and Equifax). On a “soft” pull, the inquiry from Acima is only visible to you personally, and only if you request a copy of the consumer report from one of the national consumer reporting agencies. This is important because other users of your consumer report may consider inquiries as a negative factor in creating a credit score or in making a decision based on your consumer report.
Secondary consumer reporting agencies do not provide this same “soft” pull option, and our review of your consumer report from these agencies may be shown as an inquiry. However, these inquiries should not negatively impact your consumer report or credit score at the national consumer reporting agencies.
I'm approved! What do I do now?
Yay! Now that you are approved with one of our financing programs, you may shop in store or virtually. If you are shopping with us virtually, please call or text us at (405)431-8805. We will then send over an invoice for you to sign to purchase your products.