Shop Now, Pay Later with Acima — No Credit Needed

At our store, we believe everyone should have the freedom to shop without being limited by credit history. That’s why we offer Acima Leasing, a simple and flexible lease-to-own payment option that does not require a credit check. With fast approvals and easy payments, you can take your purchase home the same day and pay over time in a way that fits your budget.

How to Apply

Applying is quick and easy. Text 30856 to 22462 to receive a secure application link . The application takes only a few minutes and requires basic information such as your name, income details, banking information, and a valid photo ID. Most customers are approved within seconds for up to $4,000, and there is no hard credit check, so your credit score is not affected.

After You’re Approved

Once approved, visit our store and choose the items you love. There’s no large upfront payment required. Acima pays us directly, allowing you to take your item home the same day. You’ll then make your lease payments directly to Acima with no delays or complications.

Simple Payment Terms

Acima offers a 12-month lease-to-own plan with clear, predictable payments. Your first payment is typically due within 10–14 days of purchase. Choose a payment schedule that works best for you—weekly, biweekly, or monthly. There are no hidden fees or surprise charges.

Save More with Early Payoff Options

Want to pay less? Acima offers an early purchase option to help you save. If you pay off your purchase within 90 days, you’ll only pay the cash price plus a small fee. Even after 90 days, you can still buy out the lease early at a discounted amount, helping you gain ownership sooner while reducing overall cost.

Eligibility Requirements

To qualify for Acima Leasing, you must:

• Be 18 years or older

• Have a minimum monthly income of $1,000

• Maintain an active checking account open for at least 90 days

• Provide a valid government-issued photo ID

Good credit is not required.

Important Information

Acima is a lease-to-own program, not a traditional loan. You do not own the item until all lease payments are completed or the item is purchased early. If payments are missed, the item may need to be returned. There are no penalties for early payoff, making this a flexible and transparent option.