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No credit option, get what you need when you need it with Acima Leasing Online and In-store


Don’t worry, will give you time to pay. Apply for your Lease and take your jewelry home today


No Credit Option

  • You can apply to the Acima 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


Once Approved

  • Start Shopping in our Acima Leasing 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



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  • 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?
    Its simple to apply: *Have an active checking account with a minimum of $1,000 income per month. *Have at least three month of income history with your current source of income *Have a government-issued ID and a social security number or ITIN Do you meet all minimum requirements? Great! Apply Today and see if your approved.
  • 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 $5,000.
  • 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
  • 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.
  • How do I make payment?
    Most payments are made automatically by ACH. You can also use a credit or debit card to make payment and have those payment set up automatically. Alternatively, you can make payment over the phone (801) 297-1982 or by logging to your account at
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