Fast, easy and seamless application with instant approval decisions Approvals to lease up to $5,000 in merchandise^ Use in-store, online or our easy to use mobile app Discounts off the cost to own for early purchase options† Little-to-no initial payment Increase your sales volume—30% of customers who lease with us lease again.
Quick no-hassle funding No fees Easy turn-key integration Simple application and checkout process Enable customers to shop without using credit 
We help to increase sales in two important ways. First, we help you complete more sales through our flexible lease-to-own program that provides options for your customers who may not be able to qualify for traditional credit financing, are unbanked, or simply want an alternative to credit. Second, our marketing efforts will drive prior lease-to-own customers back to you, as well as locate, qualify, and direct new customers to your location. This approach helps to build new sales, increase traffic, and satisfy more customers.
Yes! Our process does not require a specific credit score or established credit history. While we may factor in information from a credit report, we evaluate a number of other factors from data furnishers, as well as income to make approval decisions for qualifying customers.
We buy the product from you and our lease-to-own solutions provide a clear path to ownership for our customers. Once a lease begins, the customer has three options. First, they can acquire ownership of the item by making the number of lease renewal payments disclosed in their agreement. Second, at any time during the lease they can exercise an early purchase option and purchase the item at a discount to the total cost of the lease. The earlier this decision is made, the larger the discount. And third, if the lease no longer fits within their budget, they can make the decision to return the item to us in good condition and have no further payment obligation.
We will fund the transaction, at your request, once the merchandise has been fully delivered or picked up by the customer. The process is simple and provides for most transactions to be paid within two business days. We provide a report which allows for easy and accurate reconciliation of all your Acima transaction payments.