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Appliances Stores that accept Acima for Financing

Buying home appliances with Acima enables you to pay later for important items such as refrigerators, microwaves, washing machines, and others.

Home appliances are essential for our daily lives. They help us to cook food, clean our clothes, and keep our homes comfortable.

But paying upfront for one can be difficult hence, financing it will allow you to get yours now and pay later conveniently on a periodic basis.

Online appliance stores that accept Acima

Below are all the Acima appliance stores where you can finance items for your home:

Abunda

You can buy home appliances on Amazon using your Acima account and lease-to-own terms through Abunda. To do this, simply copy the link to the appliance on Amazon and paste it into the search field on Abunda.

Curacao

Curacao is an online store that allows you to buy appliances with Acima from a variety of brands. You can find appliances from major brands at competitive prices and finance them without having to pay upfront.

Wayfair

Wayfair offers a wide variety of products, including appliances, furniture, mattresses, rugs, lamps, mirrors, and more. It also offers a variety of delivery and financing options.

Big Sandy Superstore

Big Sandy Superstore has an online store that sells a wide variety of home appliances, including refrigerators, stoves, washers, dryers, TVs, and more. They also offer a variety of financing options to help you afford purchases.

PC Richard & Son

One of the top online stores where you can get electronics, furniture, and home appliances with Acima financing credits.

 

You may be able to finance home appliances with your leasing account when you visit the below shopping platforms through the Acima app:

 

Best Buy

Best Buy has a wide selection of major appliances, including refrigerators, stoves, washers, dryers, dishwashers, and ovens. They also have a selection of small appliances, such as microwaves, blenders, and coffee makers.

BBQ Guys

BBQ Guy is an online retailer of barbecue grills, smokers, and accessories. They offer a wide selection of products from top brands, as well as competitive prices in some other categories like furniture and electronics.


How to finance home appliances with Acima online

Here below are the steps you can use to buy home appliances with Acima online:

Select Acima as your financing option on the payment page

Once you have added the items you want to your cart, you can proceed to checkout and select Acima as your payment method.

The logo will be similar to the one below as indicated in the image:

Acima Leasing on Amazon via Abunda

An example of how it will look using the Abunda payment page.

 

Provide your personal information on the form

Once the Acima form page loads, provide 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.

 

Make sure you understand the terms of the contract before you proceed

After you are approved for Acima financing, you will see a lease agreement that specifies 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 store where you want to finance appliances with Acima, as well as the item.

After you have carefully reviewed the lease agreement, you can proceed to checkout. This process is the same for all Acima appliance stores that operate online.

 


Here are some points to keep in mind when buying at any of the stores that finance appliances with Acima:

If you have chosen an Acima appliance shop from the list of online merchants, here are some factors to consider before continuing with the contract:

Acima is a company that provides lease-to-own financing

Acima is a lease-to-own company, which means you will pay more for the products than if you paid for them in full. This is because Acima charges a markup on the product price, as well as other fees.

It is important to read the lease agreement carefully before proceeding, as some people may misunderstand how Acima financing works.

Acima offers a lease-to-own solution, which means you will be paying for the use of the item over time, instead of 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 offers a variety of repayment plans to fit your needs

The payment plans offered by Acima can vary depending on the item you are financing, your credit history, and the Acima appliance 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 proceeding, as the payment plans and schedules can vary depending on the specific contract.

The total value of the items in your cart must be at least $300 and no more than $4,000

To use your lease-to-own shopping credit to buy at any of the online stores that allow financing for appliances with Acima, your cart value must be at least $300.

If your cart value is not up to $300, you will not be able to use this service as it is below the required minimum.

The maximum amount you can finance with Acima is $4,000, but the amount you are approved for will depend on some other factors that are considered like your credit history, monthly income, and active employment.

 


FAQs when shopping at any of the retailers that finance appliances with Acima

Here are some frequently asked questions regarding merchants that allow you to buy home appliances with Acima credits:

What are the reasons why I can’t complete my order with my Acima account?

  • The item you are trying to purchase is not eligible for Acima financing. Acima has a list of prohibited items that you cannot finance through their platform. This list includes items that are typically considered to be high-risk or perishable, such as firearms, food, and gift cards.
  • Your credit score is not high enough. Acima uses your credit score to determine your eligibility for financing. If your credit score is too low, you may not be approved for financing.
  • You have not yet been approved for financing. The approval process for Acima financing can take a few minutes. If you have not yet been approved, you will not be able to complete your order.
  • You have not entered all of the required information. When you apply for Acima financing, you will need to provide some basic information, such as your name, address, and income. If you have not entered all of the required information, your application will be incomplete and you will not be able to complete your order.
  • There is a problem with your Acima account. If there is a problem with your Acima account, such as a billing error, you may not be able to complete your order. You should contact Acima customer service to resolve the issue.

If you are having trouble completing your order with your Acima account,  you should contact Acima customer service for assistance. They will be able to help you determine the reason why your order is not going through and offer solutions.

 

How can I cancel my appliance order?

If you have requested an order while shopping at one of the online stores that allow financing for home appliances with Acima credits and want to cancel it, follow these steps:

  • Compose and send an email to its customer service team using the address [email protected] or dial the support number (801) 297-1982 to share your complaint
  • Once your request or call is received, you will get an email with the details on the next steps
  • Go through the email sent to you and follow the procedures given in it regarding how to return the item to Acima

 

How can I get an estimate of the total cost of buying home appliances from Acima-affiliated retailers?

When you shop at any of the online stores that finance home appliances with Acima, you will be offered a lease-to-own financing contract. 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 continue with the order.

This will help you understand the terms and conditions of the agreement and the total amount you will pay when you complete the order at any of the stores that allow financing for home appliances with Acima.

Is there a fixed time of the month I am expected to repay?

The method of notification for your scheduled repayments for the home appliance will vary, but here are some common ways you might be notified:

  • 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.

Will orders from the stores that allow financing for home appliances with Acima affect my credit score?

When you apply for a lease at any of the stores that allow financing for home appliances with Acima, a soft credit inquiry will be conducted.

A soft inquiry is a type of credit inquiry that does not affect your credit score. It may appear on your credit report, but it is not typically seen by lenders.

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.
  • It 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.

In this case, the soft credit inquiry is being conducted by Acima to pre-approve you for a lease. This means that they will be able to see your credit report, but the inquiry will not affect your credit score. This is a good thing because it allows you to see your chances of being approved for a lease without harming your credit.

Your lease-to-own activities might be reported to the credit bureaus hence, commit to early repayment to avoid negative impacts.

 

Can I cancel a lease agreement after being approved?

If you are approved at any of the online retailers that accept Acima for home appliance financing, you are not obligated to make 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 Acima financing.
  • 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.

Where can I find a list of merchants that sell home appliances with Acima credits in-store?

You can finance home appliances by visiting an offline store that accepts Acima.

Through its offline locator map page, you can get the nearest stores to your location by entering your zip code. This will display the list of the merchants and their contact details that operate around your zip code.

 

What is the information I need to provide to Acima to finance home appliances?

 

Here are the minimum details required to use Acima to finance appliances for your home:

  • Your name and contact information: This includes your full name, mailing address, phone number, and email address. Acima needs to know this information in order to contact you about your account.
  • Your Social Security number or ITIN: Acima uses this information to verify your identity and to report your account activity to the credit bureaus.
  • Your date of birth: Acima uses this information 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: also required as part of tools for credit eligibility checks
  • Your checking account history: Acima looks at this information to see if you have a history of overdrafts or negative balances.

This information can help Acima determine your creditworthiness, which is a measure of your ability to repay debt. The better your creditworthiness, the more likely you are to be approved for financing and to receive a lower interest rate.

Here are some additional things to keep in mind when applying for Acima financing:

  • You must be at least 18 years old to apply.
  • You must have a valid checking account.
  • You must have a steady income.
  • You must have a good credit history.

If you do not meet all of these requirements, you may still be able to be approved for financing, but the terms of your loan may be less favorable.

 

With the maximum credit limit for its lease-to-own financing being $4,000, you will be able to buy the needed home appliances with Acima at most of the partnering merchants without being bothered by the costs of an upfront payment.

 

 

 

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