Payment Options



Get a decision in seconds with no impact to your credit bureau score.


Not a loan or credit card

With an Acima lease, you aren't buying today. Acima owns the leased item until you make all the lease renewal payments. If you do not use an early purchase option, you may pay more than double the retail price. You always have the option to purchase early and own it for less. Estimate costs.

You can purchase early & save

You always have the flexibility of our "early purchase option." When you're ready, pay a lump sum and own immediately. The sooner you do, the more you save!


We rely on our retailers to share information about Acima as an alternative to consumer credit options. Even though lease-to-own may cost more than credit offers available to you, our low payments and unmatched flexibility may be the right fit for your life and your budget.