Acima Credit Blog

You're More Than A Three-Digit Credit Score

With Acima, It’s All Within Reach

We hear a lot from people who are so grateful that they were given the option for our No Credit Needed financing when they were browsing in their local store. We believe you deserve to buy the things you want without having to worry about whether or not the bank or credit union will approve you (and if they do, what their terms will be).

We are proud to offer qualified applicants up to $5,000 to spend at their favorite store. If you want that solid wood, heirloom quality furniture because you want it to last forever … go for it. If you want a better mattress so you can get quality sleep and live a better life … you deserve to have it. Whatever you need or want should be within reach, because you work hard.

At Acima Credit, we utilize modern technology and alternative data sources to identify creditworthy consumers – regardless of their traditional credit scores. We enrich lives through quick and easy point-of-sale financing. And we don’t ask a lot … our approval process boils down to four simple questions:

  1. Do you have a three-month history with your current employer or source of income?
  2. Do you deposit $1,000 or more into your checking account each month?
  3. Have you had a checking account for at least 90 days?
  4. Is your checking account free from NSFs, excessive overdrafts, and negative balances?

Simply put, we make things a whole lot easier than a traditional bank or even a credit union. If you want to start the approval process, simply click here to select your preferred retailer, and you’ll be able to fill out a simple application online and get an instant decision!