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NO CREDIT CHECK
Lease-to-own

Acima lease-to-own

Lease it now, own it later. A lease, not a loan.

Apply

How it works

  1. Choose Acima and apply. It’s free, and you’ll know in seconds.
  2. Review and sign your lease agreement. This is a lease (rental-purchase), not a loan.
  3. Make your initial lease payment and pick a payment schedule that matches your payday.
  4. Take it home. Keep leasing until you own it, buy it early, or return it.

At a glance

Amount
Items from $300
Payments
Renewal payments on your payday schedule
Cost
Lease-to-own; the full term costs about double the original price
Credit check
No credit check
Where to use it
Online, through our Acima application

Who it’s best for

No or limited credit. You can lease now and own it later, buy it early, or return it.

Questions

How fast is approval?
You’ll know within seconds, and an approval is good for 60 days.
Can I buy it early?
Yes. In the first 90 days you pay the Acima Cash Price plus a small fee, typically $25. After that, buying out is generally 65% of what’s left on the lease. Ask Acima; it isn’t automatic.
Can I return it?
Yes. You can return the item in good condition at any time without penalty. That ends the lease and the payments, and you won’t own the item.
What if I miss a payment?
Failed or late payments may add fees and can change your early purchase price. Your lease agreement lists the fees.
Is there an application fee or down payment?
Applying is free. An initial lease payment, generally $0–$70, is due before you get the item.
How do I make payments?
Most payments come out automatically from your bank account. You can also pay in the Acima app or your online account.
Apply

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Questions? Chat with us live or call (409) 886-8324.

Acima terms & disclosures

TieredUp Tech is not a lender or lessor. Acima provides this lease, subject to its approval and terms.

Making every lease payment costs approximately double the original invoice price. Acquiring ownership by leasing costs more than the retailer’s cash price.

90-day early purchase option (3 months in California), purchase fee typically $25; after 90 days the buyout is generally 65% of the remaining lease amount. Initial payment generally $0–$70. Return the item at any time to end the lease without penalty.

Acima: The advertised service is a rental or lease purchase agreement provided by Acima. It is not a loan, credit or financing. While no credit history is required, Acima obtains information from consumer reporting agencies in connection with a lease application. Acima Cash Price includes a markup over invoice price. Acquiring ownership by leasing costs more than the retailer’s cash price. Not available in MN, NJ, WI, or WY. Merchant participating locations only. Not all applicants are approved. See lease for details.