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APPLY TODAY,TAKE TIME TO PAY

APPLY TODAY,TAKE TIME TO PAY

With promotional financing from COUCH AND CO, major purchases don’t have to wait.* Get what you want now and pay over time.

Apply Now
6 Months Interest Free

On purchases between $299-$1998

*2% down required

12 Months Interest Free

On purchases over $1999

*4% down required

Customer Service

Online account management and customer service

No Annual Fee

No annual fee and the ability to request a credit limit increase.

Get what you love now. Pay later.

Get what you love now. Pay later.

Our flexible leases help you take home furniture, appliances, and more. All credit types are welcome with Snap's easy lease-to-own financing.

  • Apply Now
  • Easy to apply, get a decision in seconds
  • No credit history required
  • No impact to your FICO® score
Apply Now
100 Day Buy-Out Option

Interest free payments for 100 days.

$10 Down Payment

Take your furniture home today for only $10 down.

Our App Makes Life Easier

View transactions, manage payments, 
access your lease or loan details, and more.

Lease to Own, Shop Now Pay Later

Lease to Own, Shop Now Pay Later

Our application is fast and easy to complete, and won't harm your credit. You could get approved for $300 to $5,000 of shopping power by meeting these basic requirements:

  • An active checking account with at least $750 of income per month
  • 3 months of income history with your current source of income
  • Government-issued photo ID and an SSN or Taxpayer Identification Number
Apply Now
90 Day Buy-Out Option

Interest free payments for 90 days

$54 Down Payment

Take your furniture home for only $54 down today.

No Credit Needed

No credit history necessary when applying with Acima.

FAQ

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.