Give yourself some credit

You’re more than a three-digit score.

Find A Store

We’ll help you buy what you need today. And we’ll give you 12 months to pay for it - regardless of your credit score. Apply online, on your mobile device, or in the showroom of your favorite store. It’s easy to apply and even easier to be approved.

You apply. We approve. You shop. We reward. It’s that simple.

Approval requirements

We don't ask a lot. Our approval process boils down to four, simple questions.

Income History

Do you have a three-month history with your current employer or source of income?

Monthly Income

Do you deposit $1,000 or more into your checking account each month?

Checking Account

Have you had a checking account for at least 90 days?

Checking Activity

Is your checking account free from NSFs, excessive overdrafts, and negative balances?

Flexible payment options

You can choose from weekly, bi-weekly, twice monthly, or monthly payment schedules designed to align with your paydays. Whatever works best for you.

Pay Over 12 Months

Take time to repay your account over 12 months with payment scheduled to align with your payday.

90-Day Payment Option

Payoff within 90 days and we’ll simply close your account for the amount financed.

Early Payoff Discount

Payoff after 90 days and save 25%
or more on all outstanding payments.

Let's build your credit. Together.

We'll report your payments to credit bureaus so that you can get the score you deserve.

Giving Credit

While many financial institutions may refuse to issue new credit - we will. We give you the opportunity to prove your creditworthiness through performance on a new trade line.

Reporting Credit

We’ve partnered with a number of credit bureaus, including Experian. And this partnership means we can report your payment history directly to these bureaus, giving you the opportunity to build and/or restore your credit.

Customer Reviews

We are committed to enriching the lives of our customers and merchants.

Case Studies

See how Acima is changing the industry. Read the real experiences of our merchants.

Learn More

Find out how Acima can increase revenue and customer satisfaction.

Chat with Acima