Acima
Acima Leasing is a lease-to-own solution that lets customers shop without perfect credit at thousands of retailers.
Last updated September 15, 2026
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Overview
Acima Leasing offers a flexible lease-to-own solution that helps customers shop without perfect credit at thousands of locations, both in-store and online. Customers select a retailer from 15,000+ local and online stores, apply for a lease online in minutes, and use their approval amount to shop. The company describes itself as an alternative to traditional financing, helping people from all backgrounds access the things they need and want without credit, with flexible purchase options that enable ownership whenever they are ready. Merchandise categories include furniture, mattresses, appliances, auto wheels and tires, home and mobile electronics, car audio, eyewear, power tools, jewelry, and more.
History
Acima Leasing describes itself as an alternative way to shop for name-brand items at desired stores without paying cash or relying on credit. After an easy application process, customers receive an instant approval decision; if approved, they begin a lease agreement that allows them to get merchandise right away for a low initial payment, then make rental payments until they obtain ownership. The company states that its proprietary technology enables customers to shop through its mobile app, online, or in stores at thousands of retailers across the nation. Customers can own the product after making all lease renewal payments, or purchase early as described in the agreement and save over the total cost of the lease.
Products and positioning
An alternative to traditional financing that helps people shop without perfect credit.
Acima Leasing lease-to-own solution
A flexible lease-to-own solution that helps customers shop without perfect credit at thousands of locations, in-store and online.
Acima Marketplace
A marketplace where customers can get items like a new sofa, TV, mattress, mobile phone, tires and more without perfect credit.
Acima Classic Credit Mastercard
A Mastercard offering introduced by Acima.
Acima mobile app
An app where customers can shop big names like Amazon, Best Buy & Walmart.
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