No credit needed, buy what you need when you need it with Acima Credit Online and In-store
Don’t worry, will give you time to pay. Apply for your Lease today and take your jewelry home with only a low initial payment.
No Credit Needed
You can apply to the Acima Credit lease to own-program, even if you don’t have credit
Approval decisions for your lease is based on more than simply your credit score
Affordable and Flexible Payments
Easy Payment Options and Automatic Withdrawals
Payments Accommodate with your Payday Schedule
Requirements to Apply
Valid Social Security Number or ITIN
Bank Account Details
Credit or Debit Card
Be 18 years or older
Start Shopping in our Acima Credit Store Online or In-Store
Approvals are good for up to 90 Days
Review, sign and Make Your initial Lease Payment
An initial Payment will be collected when you Sign your Lease
Your Next Payment will not be due until at least 7 Days after you receive your merchandise
Let’s Build Your Credit Together
Acima Credit we’ll report your payments to credit bureaus.
YOU CAN ALSO TEXT TO APPLY
Frequently asked questions
Who is Acima Credit?
Acima Credit offer customers a new flexible and creative alternative to consumer financing. There no credit needed lease program provides a leqse option that is based on more than just your credit, so you can take your jewelry home the same day
What do I need to be eligible to apply?
How do I apply with Acima?
It's easy, apply online in the link above and see if your approved within seconds.
How much can I get approved with Acima?
You can be approved for your Acima Credit Jewelry valued at $500 to $3,000.
How long does my approval last?
Once approved, you have up to 45 days. Once the 45 days pass your application simply expires.
How do I contact Acima for payments or questions?
You can reach out to Acima Customer Service Department at (801) 297-1980. Acima Customer Service Department is open from Monday-Friday from 6:30 AM to 7:00 PM MT and on Saturdays from 7:30 AM to 3:30 PM MT.
Will the application affect my credit?
Your FICO score should not be impacted by applying for a lease through Acima
Does Acima report to the credit reporting agencies?
Yes. Acima reports your lease activity to Experian to help build your credit history.
When will my payments be?
The due dates of your payments are based on the pay dates you enter on your application. After you make your first payment, you'll be able to change your payment frequency.
Will I receive billing statement?
Acima does not send billing statements through phone or email. You can always log in to your Acima Credit account to check your balance.