Acima Credit payment options

Acima offers a lease model where you can own the merchandise at the end of 12, 18 or 24 months. Customers can request one of two early-purchase options to lower costs:
  • Repay within 90 days: You pay the Acima Cash Price, which includes a markup over the original price, plus a purchase fee. The purchase fee can vary by state but is typically $25.
  • Repay after 90 days, but before 12 months: You pay an amount that’s less than the remaining payments owed. The percentage can vary by state but is typically 65% of whatever you still owe. You can set up either early-purchase option through Acima’s online customer portal or by contacting Acima’s customer service department.
  • Returns: You are responsible for making payments during the time you have the leased item, but you can return it at anytime without penalty, according to Acima.
How does it work?
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Start Checkout

Add your items to your cart and select Acima at checkout

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Complete Your Agreement

We’ll provide a lease agreement of 12 month or longer for you to review and sign.

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Set up Payments

Make an initial lease payment and choose a flexible schedule based on how often you get paid.

Get approved for up to $4,000

Our application is fast and easy to complete, and won’t harm your credit. You could get approved for $300 to $4,000 of shopping power by meeting these basic requirements:

An active checking account with at least $1,000 of income per month


3 months of income history with your current source of income


Government- Issued photo ID and an SSN or Taxpayer Identification Number