We provide a much-needed alternative to traditional financing.
Acima puts what you need within reach.
How it works
Acima helps people from all backgrounds live a better quality of life with easier access to the things they need and want—all without credit*.
Our lease-to-own solutions allow you to get key items like furniture, mattresses, appliances,and more
Apply Online
Select your preferred store, click on "Apply," follow the application steps, and get approved!
Start Checkout
Start the checkout process and select "Pay in Store" as your payment option.
Set up your payments
Your closest store will contact you to complete the lease, make the initial payment, schedule your delivery, and receive your furniture.
Arlington - Abram
Mansfield
Fort Worth - LGP
Mesquite
Irving
North Dallas - Spring Valley
Waco
Duncanville
Lewisville
Harry Hines
Waxahachie
Weatherford
Dallas - Jeffereson
Terrell
Corsicana
Arlington - Matlock
Oklahoma City
North Richland Hills
What does “No Credit Needed” mean?
“No Credit Needed”**means that you may be approved for financing or leasing without a credit score or credit history. Applicants with poor, or even no credit, may be approved, but credit is checked as part of the application process. Your credit score is not the sole consideration for qualification. You are invited to apply, no matter what your credit history is.
**Approval is possible without a credit score, but credit history may be checked.
Do I need a good credit score to use Acima?
While we may receive your consumer report and credit score, we look at multiple data points in order to make a final decision, and we regularly approve customers who have less than perfect credit history.
What is a credit check?
Acima uses a soft pull when it accesses your consumer report from any of the national credit reporting agencies (TransUnion, Experian, and Equifax).
My credit score is lower than I expected.
While no credit history is required, Acima obtains information from consumer reporting agencies in connection with a lease application. We consider multiple data points in reviewing your application and regularly approve customers with less than perfect credit history.
