Step 1: Apply Online — No Hard Credit Pull
The Acima Leasing application takes just a few minutes to complete. You'll need your basic personal information (name, address, date of birth), your income details, and an active checking account. Acima does not do a hard credit check — they use a soft pull that has no effect on your credit score.
Your approval is based primarily on your income and how your checking account has been managed — not your credit score or credit history. This is what makes Acima Leasing accessible to millions of Americans who have been turned down by traditional lenders, banks, or store financing programs.
💡 Expert Tip: Make sure your checking account has been active for at least 3 months with regular income deposits before applying. This significantly improves your approval odds with Acima Leasing.
Step 2: Receive Your Approval Decision
After submitting your application, Acima Leasing processes your information and delivers a decision in as little as 3 minutes. You'll receive your available lease amount (up to $5,000) that you can use immediately at any participating retail partner.
If approved, you'll also see your estimated payment schedule options — weekly, bi-weekly, or monthly — so you can plan before you shop.
Step 3: Choose a Retail Partner & Shop
Acima Leasing works with over 16,000 retail partner locations across the United States, covering furniture stores, appliance dealers, electronics retailers, tire shops, jewelry stores, and more. You can also shop through Acima's online marketplace.
When you arrive at the store, let the sales associate know you're using Acima Leasing. They'll verify your approval and help you select eligible merchandise within your approved lease amount.
Step 4: Sign Your Lease Agreement
Before taking home any merchandise, you'll review and sign a lease agreement that details your payment schedule, total lease cost, and early purchase options. Read this document carefully — especially the total cost disclosure, which shows how much you'd pay if you complete the full lease term versus exercising the early purchase option.
You'll make an initial lease payment at this stage, after which you can take home your merchandise immediately.
Step 5: Make Payments or Buy Early
Acima Leasing allows you to choose your payment frequency: weekly, bi-weekly, or monthly — synced to your pay cycle. Payments are automatically processed from your bank account or card on file.
The smartest move: use the 90-day early purchase option. By purchasing your items within 90 days of your lease start, you pay close to the retail price — a fraction of what the full lease term would cost. Our experts strongly recommend planning to use this option before you lease anything through Acima.
⚠️ Important Cost Disclosure
Acima Leasing is not a loan — it's a lease-to-own agreement. If you complete the full 12-month lease without using an early purchase option, the total amount paid can be more than double the retail price of the item. Always plan to use the 90-day option, or evaluate whether you can afford the full lease term before signing.
Understanding Acima Leasing Costs
| Purchase Timing | Approx. Cost | Recommendation |
|---|---|---|
| Within 90 days (Early Purchase) | ≈ Retail Price | ★ Best Option |
| 3–6 months (Mid-Term Option) | ≈ 120–150% of retail | Acceptable |
| Full 12-month lease term | Up to 200% of retail | Most Expensive |
Approximate cost ranges based on Acima's public disclosures. Actual amounts depend on your specific lease agreement.
Ready to Apply for Acima Leasing?
No hard credit check. Decision in minutes. Up to $5,000 available.
Start My Application