Blog

If you earn at least $750 per month and have been employed for the past three months, you are likely to qualify.

This makes it a good choice for individuals who may not have strong credit but still want access to flexible payment options.

Acima provides a wide range of spending power, from $300 to $4,000. This makes it possible to cover both small and larger purchases.

Many use it to finance items such as furniture, appliances, electronics, tires, and even purchases from select online retailers, including Amazon.

Once you are approved, you can shop with Acima’s retail partners, both online and in physical stores.

To begin, you submit a simple application. If approved, you will make an initial payment, typically between $50 and $70. This is not a separate fee; it is applied directly toward the lease.

After that, you can pick up your purchase in-store or have it delivered, depending on the retailer.

From there, your payment plan begins. It offers flexible options, and the plan you choose will significantly affect the overall cost.

The standard lease term is 12 months, but you can choose to pay off early and save.

It gives you several ways to manage your payments:

• Early Payoff: If you pay off the balance within 90 days, you only pay the cost of the item plus a small initial fee. This is the most affordable option and helps you avoid the higher cost of a longer lease.

• Extended Term: You can also keep the standard 12-month lease, making smaller payments over time. This option provides convenience but does come with a higher total cost.

Payments can be made through bank transfers, debit cards, or even in cash at select retailers.