Offer Lease-to-Own with Acima and Unlock New Revenue

Tap into a broader customer base with Acima's no-credit-needed lease-to-own program. Approve more customers, close more sales, and give your shoppers the flexibility they deserve-without financial risk to your business.

Acima Lease to Own

ACIMA's Industry leading lease-to-own is used by the top retailers:

Nectar
Tire Pros
Ashley
Rooms To Go
Big O Tires
Whirlpool
PC Richard and Son
ABC Warehouse
Bob's Discount Furniture
American Tire Distributors
Good Year
Big Brand Tire and Service
Reach More Customers with Flexible Leasing

Reach More Customers with Flexible Leasing

Over 121 million Americans are credit-challenged. Acima helps you serve this massive market with an approval process that considers more than just credit scores. No credit needed, no added risk to your store.

Easy Application, Instant Decisions

Customers can apply in-store or from their phone and get approved instantly-often for up to $4,500. Lease-to-own checkout is fast, secure, and keeps shoppers in your store or on your site.

Flexible Lease Options

Flexible Purchase Paths for Every Customer

Whether they want to pay over time, buy out early, or return the product, Acima gives customers flexible choices that build trust and increase conversions. 72% choose to buy out early within 90 days.

Boost Repeat Business

Boost Repeat Business with Acima Marketing

Acima automatically re-engages customers after their lease ends with personalized offers and pre-approvals. Use their optional marketing support to drive foot traffic and website sales year-round.

Make More Sales with Acima Lease-to-Own

Make More Sales with Acima Lease-to-Own

Acima's flexible lease-to-own model gives your customers more buying power-without credit. Increase approvals, simplify checkout, and keep the sale in your store with seamless integration.

Instant Decisions at Checkout

Instant Decisions at Checkout

Customers receive approval decisions in seconds-right in your store or on your website-so they can complete their purchase with no delays.

No Risk, Cancel Anytime

No Risk, Cancel Anytime

Customers can return leased merchandise at any time with no further obligation, removing buyer hesitation and improving conversion rates.

Seamless In-Store and Online Integration

Seamless In-Store & Online Integration

Whether in your physical store or online, Acima integrates easily into your checkout process-without ever taking customers off your site.

Mobile App Access

Mobile App Access

Customers can manage their lease, schedule payments, and shop again-all from Acima's intuitive mobile app.

Start Offering Acima in Your Store Today

Increase sales, boost approval rates, and give customers more buying power without added financial risk. Acima makes it easy.

Cancel Anytime

Cancel Anytime - No Penalty

Acima leases can be canceled at any time without penalty. Customers can return the item and walk away. There's no risk to you as a retailer, and customers appreciate the flexibility.

No Bank Account - No Problem

No Bank Account? No Problem

Customers without bank accounts can still lease through Acima using a debit card. This removes another barrier at checkout and helps close the sale on the spot.

Transparent Lease Terms

Transparent Terms & Mobile App

Acima's mobile app gives customers full visibility into their lease, payments, and early purchase options-so there are no surprises and no confusion.

See what others are saying and get started with Acima today.

"

We signed up with Acima a little over two years ago. It's super simple and easy to use, not to mention their support staff is always available to help and answer any questions. Without Acima, I would have done $600,000 less in sales over that time frame. Glad we did it!

Big O Tires
Sandy, UT
"

Acima has been a win on all fronts. It's easy, it's fast, it's consistent, it's reliable.

BedMart
Wilsonville, OR

Frequently Asked Questions

Acima offers a lease-to-own option that allows customers to take home merchandise without using credit. Customers make periodic payments and can choose to buy out early, complete the lease, or cancel at any time by returning the item.

Customers apply using their smartphone or in-store. Acima uses multiple data points-not just credit score-to evaluate applications, resulting in higher approval rates even for those with less-than-perfect credit.

Acima helps you capture more sales from customers who would otherwise be declined by traditional credit checks. You get funded quickly and take on no risk if the customer cancels their lease.

Yes! Customers can choose early purchase options-within 90 days for the lowest cost, or anytime during the lease for a discounted buyout. Or, they can complete the full lease term if that works best for them.

Not ready to commit to improving?

Upgrading your business is a big commitment. We get it. Join our mailing list, and we will send you some ideas on how to take steps forward anyway. We want to help.


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