Acima auto repair shops enable you to finance products for your vehicles and bikes without being bothered by any upfront costs.
Acima is a leader when it comes to the leasing business with a very good network of merchants that allows you to use it online and in-store.
Its service also expands to auto shops that retail products and equipment for the aftermarket industry with many of the stores online as well as offline.
Acima auto repair shops online
Below are the online portals where you can use your Acima account to finance auto repair items:
Abunda
Buy auto repair equipment and items on Amazon and pay on lease-to-own terms using your Acima account when you go through Abunda. Simply copy the link to the car repair product on Amazon and paste it into the search field available on Abunda to buy it.
Priority Tire
Online tire retailer with a wide selection of tires from top brands, free shipping, and so many discount deals to save you some funds.
Online Car Stereo
Online Car Stereo is a premier online destination for car audio enthusiasts. They stock a wide range of products from top brands, including head units, speakers, amplifiers, and subwoofers.
Down4Sound
Down4Sound is a car audio company that offers a wide range of products, including head units, speakers, amplifiers, and subwoofers.
SonicElectronix
SonicElectronix is an online retailer of car audio and electronics with years of experience. They offer a wide range of products from top brands, including head units, speakers, amplifiers, and subwoofers.
Audio Apex
Audio Apex allows you to use Acima for custom car audio systems design and installation by experts with years of experience.
Freeman’s Car Stereo
Online car audio store with a wide selection of products and services to help you get the best sound for your car.
Discounted Wheel Warehouse
Online retailer of custom wheels and tires with a wide selection of brands and styles.
National Tire & Wheel
National Tire & Wheel is a tire and wheel retailer with a wide selection of tires, wheels, and services, including installation, balancing, and alignment.
Warp9racing
Warp9racing is an online retailer of high-performance motorcycle parts and accessories, specializing in racing wheels, tires, and suspension components.
You may be able to purchase auto repair items with your account when you visit the below shopping portal through the Acima app:
Best Buy
Best Buy is a leading retailer of consumer electronics, appliances, and entertainment products.
How to buy car repair items with Acima online
The below list the procedures involved when purchasing items at any of the Acima auto repair shops:
Choose Acima as your financing option on the checkout page
After adding the items you want to your cart, you can proceed to the checkout page and select Acima as your payment method.
It will display just as the below on the image:
An example screenshot of the Abunda payment page.
Fill out the form with your personal information
Once the Acima form page loads, enter the required information, such as your Social Security number, contact number, and others.
Acima will process your application and determine your eligibility for financing within a few minutes.
Read the contract carefully before signing it
After you are approved for Acima financing, you will see a contract that outlines the terms of your repayment, including the amount you will pay on the first day.
The initial payment for a lease can range from $50 to $75, depending on the Acima auto repair shop and the item.
Once you have carefully reviewed the contract, you can proceed to checkout. This process is the same for all Acima auto repair stores.
Points to note when shopping at any of the Acima auto repair shops
If you have chosen a merchant from the list of online Acima auto repair shops, here are some factors to consider before signing the contract:
Acima is a lease-to-own financing provider
Acima is a lease-to-own financing company, which means that you will pay more for the products than if you paid for them outright. This is because Acima charges some value on the product price, as well as other fees.
It is important to read the lease agreement carefully before signing, as some people may misunderstand how Acima financing works.
Acima offers a lease-to-own solution, which means that you will be paying for the use of the item over time, rather than paying for the entire cost upfront.
However, it is important to note that the total cost of the lease could be more than twice the original price of the item if you complete the full 12-month lease.
Acima has different repayment plans
The payment plans offered by Acima can vary depending on the item you are financing, your credit history, and the Acima auto repair store you are buying from.
Here are some of the plans you might want to know about:
- Initial payment: This is the first payment you make to Acima. It is typically between $50 and $75, and it is usually charged on the day of the lease. The amount of the initial payment can vary depending on where you are shopping and the product you want to buy.
- 90-day early purchase option: This is the best value option, as you will only pay an additional $75 to $95 if you repay the lease within 90 days of signing the contract. This is much cheaper than completing the full lease term, which could cost you almost twice the item price.
- Acima post-90-day payment: If you exceed the 90-day window, the cost of the early purchase option can be expensive. In some cases, it can be as high as 155% or more of the original product price. However, you can still purchase the item at any time during the lease term. The earlier you purchase the item, the more money you will save on fees.
It is important to read the terms and conditions of any lease agreement before signing, as the payment plans and schedules can vary depending on the specific agreement.
The minimum cart value must be $300 and the maximum cart value cannot be more than $4,000.
To use Acima’s lease-to-own service for auto repair item purchases online, your cart value must be at least $300.
If your cart value is less than $300, you will not be able to use this service.
The maximum amount you can finance with Acima is $4,000, but the amount you are approved for will depend on your credit history and the purchasing power assigned to you by Acima.
Top FAQs shopping online at any of the Acima auto repair shops
Here are some frequently asked questions about buying items from any of the Acima auto repair merchants:
What are the reasons why I can’t complete my order with my Acima account?
Here are some possible reasons why you might not be able to complete an order for car repair product financing through Acima at any of their partner stores:
- Your credit history has recently decreased. Acima performs a soft credit check when you apply for financing through their partner retailers. If your credit score has recently decreased, you may not be approved for financing.
- The item you want to buy is more expensive than the amount of credit you have available on Acima. Acima assigns each customer a certain amount of credit based on their credit history and other factors. If the item you want to buy is more expensive than your credit, your request will be declined.
If you believe that neither of these reasons applies to you, you can try reapplying for financing. If you are still unsuccessful, you can contact Acima’s support team to inquire about the reason for your denial.
Here are some additional tips for increasing your chances of being approved for Acima financing:
- Have a good credit history. Make all of your monthly payments on time and keep your credit utilization low.
- Be aware of the terms and conditions of the financing agreement. Read the contract carefully before you sign it, and make sure you understand all of the terms and conditions.
- Be prepared to make a down payment. A down payment will help you qualify for financing and reduce your monthly payments.
How can I cancel my order requested at any of the Acima auto repair shops?
If you have created an order while shopping at one of the Acima auto repair partners and wish to cancel it, follow these steps:
- You can send an email to its customer service team using the address [email protected] or call their contact number (801) 297-1982 to lay your request
- Once your email or call is received, you will get an email with the instructions
- Go through the email they sent to you and follow the guides and procedures stipulated to return the item to Acima
- They will cancel the lease-to-own contract once the returned item satisfies the conditions
How can I estimate the total amount I will pay when I buy auto repair equipment from Acima-affiliated retailers?
When you shop at any of the Acima auto repair partners’ portals, you will be offered a lease-to-own agreement.
This agreement will outline the terms and conditions of your financing, including the applicable fees and early repayment options.
You can also use the Acima calculator below to get an estimate of your monthly payments. However, this is just an estimate, as the actual amount you pay will depend on the price of the item, the length of the lease, and your credit history.
Here are some of the factors that will affect the amount you pay:
- The price of the item: The more expensive the item, the higher your monthly payments will be.
- The length of the lease: The longer the lease, the higher your monthly payments will be.
- Your credit history: If you have good credit, you may be offered a lower interest rate, which will lower your monthly payments.
- The applicable fees: There may be additional fees associated with the lease, such as an origination fee or a late payment fee.
It is important to read the lease-to-own agreement carefully before you sign it. This will help you understand the terms and conditions of the financing and the total amount you will pay.
How will I be notified of my scheduled repayments?
The specific method of notification will vary, but here are some common ways you might be notified of your scheduled repayments:
- Email: You will receive an email with the details of your upcoming payment, including the amount due, the due date, and the payment method.
- Text message: You will receive a text message with the same information as the email notification.
- Phone call: You may receive a phone call from the Acima team to remind you of your upcoming payment.
- Online account: You can log into your online account to view your upcoming payments.
- Paper statement: You may receive a paper statement with the details of your upcoming payments.
It is important to make sure you are aware of how you will be notified of your scheduled repayments so that you do not miss a payment. Missing a payment can result in late fees and other penalties.
How will using Acima’s financing affect my credit score?
When you apply for a lease at any of the online auto repair stores that accept Acima, a soft credit inquiry will be conducted.
A soft inquiry is a less invasive type of credit inquiry that does not affect your credit score. It may appear on your credit report, but lenders typically do not see it.
Here are some key differences between soft and hard inquiries:
Soft inquiries:
- Do not affect your credit score.
- Typically conducted by lenders when you are pre-approved for a loan or credit card.
- This can be seen by you and other lenders.
Hard inquiries:
- Can affect your credit score.
- Typically conducted when you apply for a loan or credit card.
- Can be seen by all lenders.
Is it possible to cancel a lease request after being approved?
If you are approved for financing through Acima at any of the stores that sell auto repair items, you are not locked into making a purchase.
You can change your mind and walk away at any time without any penalty. There is no contract involved.
Additionally, you can use your approved financing to make purchases at any other merchant that offers Acima financing for up to 45 days. If you do not use your financing within this time period, it will expire and you will need to reapply for financing if you want to make a purchase in the future.
Here are some key points to remember:
- You are not obligated to make a purchase if you are approved for financing through Acima.
- There is no contract involved, so you can walk away at any time without penalty.
- You can use your approved financing to make purchases at any other merchant that offers Acima financing for up to 45 days.
- If you do not use your financing within 45 days, it will expire and you will need to reapply for financing.
How can I find a list of Acima auto repair shops that offer in-store financing?
To use your Acima purchasing credit offline, visit any of their offline partners.
You can find the nearest Acima auto repair physical shops to you by visiting their offline locator page and entering your zip code. This will provide you with a list of the merchants and their contact details.
What information do I need to provide to Acima to finance auto repair devices?
Here are the minimum details required to use Acima to finance auto repair items:
- Your name and contact information: Acima needs to know your name, address, phone number, and email address in order to contact you.
- Your Social Security number or ITIN: Acima uses your Social Security number or ITIN to verify your identity and to report your account activity to the credit bureaus.
- Your date of birth: Acima uses your date of birth to verify your age and to determine your eligibility for certain financing options.
- Your income: Acima needs to know your income in order to determine how much you can afford to borrow.
- Your bank account information: Acima needs your bank account information in order to deposit your monthly payments.
- Your checking account history: Acima looks at your checking account history to see if you have a history of overdrafts or negative balances.
This information can help Acima determine your creditworthiness.
Many online auto repair stores offer lease-to-own financing through Acima, with credit limits of up to $4,000. This means you can get the products you want without having to pay upfront.
- How to Use Apple Pay Later on Amazon for Financing - 22.05.2024
- How to Use Sezzle Anywhere to Pay in 4 Online and In-Store - 19.03.2024
- Buy Now Pay Later Electric Bike Shops - 13.03.2024
