Acima | Verified Entity Profile
A lease-to-own fintech company that provides flexible payment solutions for furniture, electronics, and other consumer goods. A subsidiary of Upbound Group.
Verified Claims about Acima (120)
Verified Claim: Acima requires 3 months of income history
Acima requires 3 months of income history with current source of income for approval.
Verified Claim: Acima partners with 11,000+ retailers
Acima has partnerships with more than 11,000 retailers.
Verified Claim: Acima announced exclusive partnership with iFIT in April 2024
Acima Leasing announced an exclusive lease-to-own partnership with iFIT in April 2024.
Verified Claim: Acima enables shopping for brand-name products
Customers can shop for brand-name products using Acima's service.
Verified Claim: Acima leases merchandise for personal, family, or household use
Acima Leasing provides lease services for merchandise intended for personal, family, or household use to consumers.
Verified Claim: Acima requires minimum $300 cost for lease eligibility
Items must cost at least $300 each to be eligible for lease through Acima.
Verified Claim: Acima prohibits leasing of services
Acima does not lease services such as extended warranties, installation, or repairs.
Verified Claim: Minimum age requirement of 18 years old
Applicants for the Acima Classic Credit Mastercard must be at least 18 years old.
Verified Claim: Payment history reported to three major credit bureaus
Payment history with the Acima Classic Credit Mastercard is reported to all three major credit bureaus.
Verified Claim: Acima offers flexible leasing options
Acima provides flexible leasing options for brand-name products.
Verified Claim: Acima mobile app provides access to Amazon, Best Buy, and Walmart
Through Acima's mobile app, customers can shop at Amazon, Best Buy, and Walmart.
Verified Claim: Acima provides 12+ month lease agreements
Acima provides lease agreements of 12 months or longer for customers to review and sign.
Verified Claim: Acima partners with retail stores
Acima works with retail partners where customers can shop using their leasing service.
Verified Claim: Acima partners directly with some retailers
Acima partners directly with some retailers on Acima MarketPlace to offer integrated checkout experience.
Verified Claim: Acima requires basic information and income history for application
Acima's application requirements include basic information, an active checking account, and 3 months of income history with $750+.
Verified Claim: Acima requires three months income history
Acima requires applicants to have at least three months of income history with their current income source.
Verified Claim: Acima prohibits leasing of clothing and consumables
Acima prohibits leasing clothing, apparel, consumables, and gift cards.
Verified Claim: Acima operates through over 15,000 retail stores
Acima has more than 15,000 stores in their retail network, including major retailers and local businesses, plus many online stores.
Verified Claim: Card delivery within 14 business days if approved
If approved, the Acima Classic Credit Mastercard will be mailed and should be received within 14 business days of approval.
Verified Claim: Acima named exclusive lease-to-own provider by Big Brand Tire and Service
Acima was named the exclusive lease-to-own provider by Big Brand Tire and Service on June 6, 2023.
Verified Claim: Acima leases merchandise for personal, family, or household use
Acima leases merchandise for personal, family, or household use to consumers including furniture, mattresses, appliances, electronics, and more.
Verified Claim: Concora Credit mailing address for payments
Payments for the Acima Classic Credit Mastercard can be mailed to Concora Credit at PO Box 96541 Charlotte, NC 28296-0541.
Verified Claim: Acima requires active checking account with $750 monthly income
Acima requires an active checking account with at least $750 of income per month as a basic requirement.
Verified Claim: Acima requires active checking account and income history for application
Acima application requirements include an active checking account and 3 months of income history with $750 or more.
Verified Claim: Acima requires minimum age of 18
Acima requires applicants to be 18 years old or older to qualify for their services.
Verified Claim: Acima announces exclusive collaboration with Bob's Discount Furniture
Acima and Bob's Discount Furniture announced an exclusive collaboration to provide lease-to-own solutions on December 3, 2025.
Verified Claim: Acima application decisions received within seconds
Application decisions for Acima services are received within seconds.
Verified Claim: Acima lease terms are 12, 18, or 24 months
Acima lease agreements allow customers to own merchandise in 12, 18, or 24 months if they make all renewal payments.
Verified Claim: Acima offers lease-to-own solutions without requiring perfect credit
Acima Leasing provides flexible lease-to-own solutions that help customers take home items without needing perfect credit.
Verified Claim: Acima offers instant approval for customers
Acima provides instant approval for customers to shop at participating retail stores.
Verified Claim: Acima app provides lease management functionality
The Acima app allows online and in-store shopping with lease management capabilities.
Verified Claim: Acima API is organized around REST architecture
Acima's API is organized around REST with predictable, resource-oriented URLs and uses HTTP response codes to indicate API errors.
Verified Claim: Acima purchases products and leases them to customers
Acima purchases eligible products selected by customers and leases them to the customer after lease agreement is signed.
Verified Claim: Acima mobile app enables shopping at Amazon, Best Buy, and Walmart
Through Acima's mobile app, customers can shop at major brands including Amazon, Best Buy, and Walmart.
Verified Claim: Services like installation and warranties not eligible for lease
Extended warranties, installation services, and similar services are not eligible to be added to Acima lease agreements.
Verified Claim: Acima works with thousands of retail stores
Acima partners with thousands of stores including major retailers, local businesses, and online stores.
Verified Claim: Acima application requirements include income and banking criteria
Acima requires applicants to have basic information, an active checking account, and 3 months of income history with $750 or more.
Verified Claim: Acima releases new Shopify app
Acima released a new Shopify app to make retailer integration easier on August 8, 2023.
Verified Claim: Acima has over 15,000 partner locations
Acima's partner network has over 15,000 locations.
Verified Claim: Acima offers multiple shopping methods
Acima allows customers to shop in-store, online, or through their mobile app.
Verified Claim: Acima pays retailers within two business days
Most Acima transactions are paid to retailers within two business days of merchandise delivery or pickup.
Verified Claim: Acima offers Mastercard credit card product
Acima offers the Acima Classic Credit Mastercard as a financial product.
Verified Claim: Acima serves tens of millions of consumers
Acima serves a universe of tens of millions of underserved consumers without access to traditional financing.
Verified Claim: Acima offers high approval amounts up to $5,000 for leasing
Acima provides high approval amounts of up to $5,000 for leasing to help customers get what they need.
Verified Claim: Acima approves 80% of credit denials for lease
Over 50% of prime credit applications are denied, but Acima approves 80% of those credit denials for a lease.
Verified Claim: Acima provides store locator functionality
Acima offers a store locator service to help customers find nearby retailers.
Verified Claim: Minimum age requirement is 18 years old
Applicants must be at least 18 years old to be approved for the Acima Classic Credit Mastercard.
Verified Claim: Acima named exclusive LTO partner for Slumberland Furniture in June 2024
Acima Leasing was named the exclusive lease-to-own partner for Slumberland Furniture in June 2024.
Verified Claim: Acima is the only lease-to-own provider with supplemental staff option
Acima is the only lease-to-own provider in the market offering supplemental staff to help close customers in-store.
Verified Claim: Customers can obtain ownership through payments or early purchase
Acima customers can obtain ownership of leased products by making required payments or choosing early purchase savings options.
Verified Claim: Payment history reported to all three major credit bureaus
Payment history with the Acima Classic Credit Mastercard is reported to all three major credit bureaus.
Verified Claim: Acima partners with thousands of retailers
Acima operates at thousands of retailers across the United States.
Verified Claim: Acima customers can get approval decisions in seconds
Customers can receive approval decisions in seconds through Acima's quick online application process.
Verified Claim: Acima transactions keep customers on merchant websites
Customers can complete their transactions through Acima without leaving the merchant's website.
Verified Claim: Acima approves 80% of credit denials for leases
Acima approves 80% of customers who were denied prime credit for a lease.
Verified Claim: Acima provides application decisions within seconds
Acima's application approval decisions are received within seconds.
Verified Claim: Acima becomes exclusive lease-to-own provider for CITY Furniture
Acima was selected as the exclusive lease-to-own provider of CITY Furniture on November 29, 2022.
Verified Claim: Acima Classic Credit Mastercard issued by The Bank of Missouri
The Acima Classic Credit Mastercard is issued by The Bank of Missouri pursuant to a license from Mastercard and serviced by Concora Credit Inc.
Verified Claim: Acima total payments approximately double original price
If customers make all lease renewal payments through Acima, they will pay approximately double the original invoice price of the property.
Verified Claim: Acima uses QR codes for lease agreements
Acima uses scannable QR codes and self-service kiosks to enable customers to complete lease-to-own agreements.
Verified Claim: Acima prohibits leasing of permanently attached items
Acima prohibits leasing items meant to be permanently attached to a home or vehicle.
Verified Claim: Acima offers proxy technology for online shopping
Acima's proxy technologies allow customers to shop and complete lease agreements online with no implementation costs for retailers.
Verified Claim: Acima announces exclusive partnership with iFIT in April 2024
Acima Leasing announced an exclusive lease-to-own partnership with global fitness leader iFIT in April 2024.
Verified Claim: Acima lease approvals last 60 days
Acima lease approvals are valid for 60 days from the time of approval.
Verified Claim: Acima mobile app provides lease management
The Acima mobile app allows users to apply for leases, shop, complete agreements and manage existing leases.
Verified Claim: Acima uses soft credit pulls
Acima uses soft credit pulls when accessing consumer reports from national credit reporting agencies TransUnion, Experian, and Equifax.
Verified Claim: Acima offers approval amounts up to $5,000
Acima provides high approval amounts of up to $5,000 for leasing.
Verified Claim: Acima provides sandbox and production API credentials
Acima has both Sandbox and production API credentials available for testing applications end-to-end before going live.
Verified Claim: Customer service number for Acima Classic Credit Mastercard
The customer service number for Acima Classic Credit Mastercard is 1-800-719-5467.
Verified Claim: Acima purchases products and leases them to customers
Acima purchases eligible products selected by customers and then leases those products to the customers.
Verified Claim: Acima payments processed within two business days
Most Acima transactions will be paid within two business days of merchandise being delivered or picked up by the customer.
Verified Claim: Acima provides alternative to traditional financing
Acima provides an alternative to traditional financing through lease-to-own payment options.
Verified Claim: Acima announces exclusive partnership with iFIT
Acima Leasing announced an exclusive lease-to-own partnership with iFIT on April 30, 2024.
Verified Claim: Acima application does not harm credit
Acima's application process does not harm customer credit scores.
Verified Claim: Acima requires minimum $750 monthly income
Acima requires applicants to have an active checking account with at least $750 of income per month.
Verified Claim: Acima Digital has patent-pending status
Acima Digital is a patent-pending digital platform.
Verified Claim: Acima offers lease-to-own shopping services
Acima provides lease-to-own services that make shopping easier for customers.
Verified Claim: Customer service phone number for Acima Classic Credit Mastercard
The customer service phone number for the Acima Classic Credit Mastercard is 1-800-719-5467.
Verified Claim: Acima offers approval for up to $5,000
Acima provides approval for $300 to $5,000 of shopping power for qualified customers.
Verified Claim: Acima offers services without credit requirements
Acima helps people access products without credit requirements.
Verified Claim: Acima allows merchandise return without penalty
Acima allows customers to return merchandise in good condition at any time without penalty.
Verified Claim: Acima publishes customer experience reviews
Acima publishes content about customer experiences and reviews of their leasing services.
Verified Claim: Acima named exclusive LTO partner for Slumberland Furniture in June 2024
Acima Leasing was named the exclusive lease-to-own partner for top furniture retailer Slumberland Furniture in June 2024.
Verified Claim: Acima helped partners close billions in additional sales
Acima has helped retail partners close billions in additional sales.
Verified Claim: Acima has over 15,000 partner locations
Acima's partner network includes more than 15,000 locations.
Verified Claim: Acima mobile app includes partnerships with major retailers
The Acima mobile app allows shopping with Amazon, Best Buy, and Walmart.
Verified Claim: Acima offers Classic Credit Mastercard
Acima provides a credit card product called the Acima Classic Credit Mastercard.
Verified Claim: Card can be used wherever Mastercard is accepted in the U.S.
The Acima Classic Credit Mastercard can be used wherever Mastercard is accepted in the United States.
Verified Claim: Minimum lease amount requirement of $300
Items must cost at least $300 each to be eligible for Acima lease programs.
Verified Claim: Acima offers online retailer access through MarketPlace
Customers can shop online retailers through the Acima MarketPlace on web or mobile app.
Verified Claim: Woodstock Furniture Outlet has 30% customer usage of Acima
Roughly 30% of Woodstock Furniture Outlet's customers are using Acima services.
Verified Claim: Acima becomes exclusive LTO partner for Slumberland Furniture
Acima Leasing was named the exclusive lease-to-own partner for Slumberland Furniture customers on June 20, 2024.
Verified Claim: Acima Leasing named 2025 Utah Top Workplace
Acima Leasing was honored as a 2025 Utah Top Workplace on September 8, 2025.
Verified Claim: Acima provides flexible leasing options
Acima offers flexible leasing options for purchasing products.
Verified Claim: Acima operates thousands of partner stores
Acima works with thousands of stores including major retailers and local businesses, plus online stores.
Verified Claim: Acima has retail partners
Acima works with retail partners where customers can shop using their flexible leasing options.
Verified Claim: Acima charges no application fee
Acima does not charge an application fee for their lease services.
Verified Claim: Acima operates a partner blog for retail insights
Acima maintains a blog titled 'Acima Partner Blog: Insights for Retail Partners' that provides content for both customers and partners.
Verified Claim: Approved cards mailed within 14 business days
If approved, the Acima Classic Credit Mastercard will be mailed and should be received within 14 business days of approval.
Verified Claim: Acima operates at 14,000+ locations with 11,000+ retailers
Acima provides lease-to-own services at over 14,000 locations and partners with more than 11,000 retailers.
Verified Claim: Acima released Shopify app in August 2023
Acima released a new Shopify app in August 2023 to make retailer integration easier.
Verified Claim: Acima approval amounts range from $300 to $5,000
Customers can be approved for eligible items valued between $300 and $5,000 through Acima.
Verified Claim: Acima leases durable goods that can be returned
Acima generally leases durable goods that are for personal or household use and can be returned.
Verified Claim: Acima operates in 14,000+ locations
Acima has lease-to-own solutions available in more than 14,000 locations.
Verified Claim: Acima offers pre-built shopping cart plugins
Acima provides pre-built shopping cart plugins for eCommerce integration.
Verified Claim: Acima provides lease-to-own options at Levin Furniture through multi-year agreement
Acima Leasing began providing lease-to-own options at Levin Furniture & Mattress with a multi-year agreement on April 16, 2024.
Verified Claim: Acima offers instant approval
Acima provides instant approval for customers shopping at their retail partner stores.
Verified Claim: Acima operates through multiple channels
Acima's technology enables customers to shop through mobile app, online, or in physical stores.
Verified Claim: Acima operates a store locator service
Acima provides a store locator service to help customers find stores near them that accept Acima.
Verified Claim: Acima Classic Credit Mastercard issued by The Bank of Missouri
The Acima Classic Credit Mastercard is issued by The Bank of Missouri pursuant to a license from Mastercard and serviced by Concora Credit Inc.
Verified Claim: Acima requires government-issued ID and SSN or TIN
Acima requires a government-issued photo ID and an SSN or Taxpayer Identification Number for application.
Verified Claim: Rent-A-Center rebranded to Upbound Group
Rent-A-Center, Inc. changed its name to Upbound Group, Inc. on February 23, 2023.
Verified Claim: Acima Solutions is a division of Rent-A-Center, Inc.
Acima Solutions operates as a division of Rent-A-Center, Inc. (RAC).
Verified Claim: Chuck Wait Tire increased tire sales by 20% with Acima
Chuck Wait Tire in Marietta, GA increased their new tire sales by about 20% from having Acima.
Verified Claim: Acima offers Chrome extension
Acima provides a Chrome extension for desktop users.
Verified Claim: Card can be used wherever Mastercard is accepted in U.S.
The Acima Classic Credit Mastercard can be used wherever Mastercard is accepted in the U.S.
Verified Claim: Acima offers flexible purchase options
Acima provides flexible purchase options that allow customers to attain ownership when ready.
Verified Claim: Acima serves tens of millions of consumers
Acima serves a universe of tens of millions of consumers who typically don't qualify for traditional financing.
Verified Claim: Acima offers lease-to-own services without perfect credit requirement
Acima provides lease-to-own options that do not require perfect credit for approval.
Verified Claim: Card designed for people with less-than-perfect credit
The Acima Classic Credit Mastercard is designed for people with less-than-perfect credit.