You can be approved for eligible items valued at $300 to $5,000.

Most lease renewal payments are made automatically by ACH, which automatically processes from your bank account. You can also use a credit, debit card or most pre-paid cards to make payments and have those payments set up to process automatically as well. We accept Mastercard, Visa and Discover.

Alternatively, you can make payments in the mobile app, logging into your online account, or over the phone by calling customer service at (801) 297-1982.

Depending on your lease agreement, you may be able to make cash payments at popular retailers, such as: CVS®, Dollar General®, Family Dollar® and 7-Eleven® using your VanillaDirect Pay™ barcode for a $1.50 transaction fee. If this option is available to you, the barcode can be accessed by logging into your online account.

The due dates of your renewal payments are based on the pay dates you enter on your application. After you make your first renewal payment, you’re able to change your payment frequency if needed. Your regularly scheduled renewal payments will not purchase the property in 90 days. Call or chat with our helpful customer service to exercise a 90-day purchase option.

We don’t require specific income information on the application, such as an employer name or address. We will ask what your primary source of income is (e.g., full-time job), how you’re paid, and what your total monthly income is. You’re welcome to include all sources of income in the monthly total!

You can purchase the merchandise at any time after you receive it. Acima offers a 90-day early purchase option (3-month purchase option in California),^ which begins on the date you receive your merchandise and expires 90 days (3 months in California) later.^ This option lets you purchase the merchandise for the Acima Cash Price and a small purchase fee, which varies state-to-state, but is typically $25. The Acima Cash Price includes a markup over the merchant invoice price. After the 90 days (3 months),^ you can purchase the merchandise by paying a lump sum percentage amount of whatever your remaining total lease amount is at that time. The percentage varies by state but is generally 65% of your remaining total lease amount. This lets you purchase the property before the end of the 12, 18, or 24 months of lease renewal payments at a discount. You can also elect to make all lease renewal payments for your merchandise and you will own the merchandise! Please keep in mind that failed or late payments may accrue fees, so see your lease agreement for a full breakdown of fees. If you elect not to purchase the merchandise through one of these options, you may terminate the lease at any time without penalty. You are not automatically enrolled in an early purchase option at lease inception. To purchase early or exercise a 90-day purchase option,^ call or chat with our helpful customer service department.  Customer service at (801) 297-1982

The period to ownership varies based on the item(s) you choose. If you elect to make all renewal payments you will own the merchandise in 12, 18, or 24 months, based on the lease agreement you are offered. You also have the option to obtain ownership early.^ When you’re ready, you can end the lease with early purchase options described in your agreement. These options allow you to save significantly compared to the total cost of the lease. When you choose to own is up to you!

Your renewal payments are based on the value of the merchandise you select and the cost of lease services. Once you pick out the merchandise, we will create a lease agreement based on the value of the leasable items. You can review your renewal payment amounts and renewal frequency prior to signing the lease agreement.

Your total lease amount is calculated based on the Acima Cash Price of the merchandise and the cost of the lease services. Please keep in mind that most states require sales tax to be paid on rental payments, meaning sales tax will be applied to all payments. If you make all lease renewal payments you will pay approximately double the original invoice price of the property.

Yes. If you’d like to return the property, please give our customer service department a call at (801) 297-1982 and we will work with you to find the best option.

Acima does not automatically send billing statements either by email or physical mail. You can check your current purchase amount at any time by signing into the mobile app or your online account. You can also contact our customer service department at (801) 297-1982 for current information about your lease.

Your credit score with the national credit reporting agencies (TransUnion, Experian, and Equifax) should not be impacted by applying for a lease through Acima. Our application process, however, does include a review of your consumer report, and depending on the consumer reporting agency, the inquiry may appear on your consumer report. Acima uses a soft pull when it accesses your consumer report from any of the national credit reporting agencies (TransUnion, Experian, and Equifax).