Once approved, go shopping In-Store or Online.
Take your merchandise home same day or arrange for delivery
Schedule your payments around your paydays
Acima is an alternative way to shop for the name-brand items you want, at the stores you want, without paying cash or relying on credit. After completing an easy application process, you’ll receive an instant approval decision. If approved, begin a lease agreement that will allow you to get your merchandise right away for a low initial payment, then make rental payments until you obtain ownership.
All Jewelry online or in-store is eligible to be leased with Acima Leasing.
Acima owns the merchandise until you’re ready to own it. After you sign the lease agreement, Acima purchases the merchandise you picked out and leases it to you until you obtain ownership or terminate the lease.
If you prefer predictable payments and the flexibility of the lease, you can own it after making all lease renewal payments. If you’re ready sooner, you can purchase early as described in the agreement and save over the total cost of the lease. If you wish to stop making renewal payments before obtaining ownership, you can return your merchandise at any time.
In a credit transaction, a financial institution extends funds to you or to another on your behalf, which you can then use for a purchase. If you make a purchase on credit, you borrow the money and then make payments back to the creditor, which include finance charges such as interest.
On the other hand, when you enter into a lease agreement, you agree to lease merchandise from Acima. Acima then purchases the merchandise you select from a participating merchant. We don’t extend funds to you or on your behalf. You make lease renewal payments to Acima while using the merchandise, and you can use a purchase option to own the property, or terminate the lease at any time, without penalty. There is no interest, but you make lease payments based on the value of the merchandise and the cost of lease services. Acquiring ownership by leasing costs more than the retailer's cash price.
It depends. Applicants are evaluated on an individual basis and we look at many data points, including credit bureau reporting information, income, and banking history to determine approval amounts. These data points will indicate whether a lease-to-own agreement through Acima Leasing would be a good fit for you and, if so, the approval amount.
*The advertised service is a rental or lease purchase agreement provided by Acima. It is not a loan, credit or financing. While no credit history is required, Acima obtains information from consumer reporting agencies in connection with a lease application. Acima Cash Price includes a markup over invoice price. Acquiring ownership by leasing costs more than the retailer’s cash price. Not available in MN, NJ, WI, or WY. Merchant participating locations only. Not all applicants are approved. See lease for details. “The No Credit Option” or “All Without Credit” means this is not a credit, loan, or financing transaction. It does not mean or imply no inquiry will be made of credit history or creditworthiness. We consider multiple data points in reviewing your application and regularly approve customers with less than perfect credit history.