No Credit Check Scores 

Instant Approvals 

Easy Payment Options 

We believe most of us are better than our credit scores. We are committed to seeing one’s true potential by looking beyond a three-digit score.

Acima's proprietary technology will issue an immediate approval upon the completion of a brief online or mobile application.

Acima's​ proprietary technology will issue an immediate approval upon the completion of a brief online or mobile application.

Approval Requirements

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

Income History

Monthly Income 

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

90-Day Payment Option

Early Payoff Discount

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

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

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

Let's build your credit. Together.

Acima reports 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 - Acima will. We give you the opportunity to prove your creditworthiness through performance on a new trade line.

Reporting Credit 

Acima has 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.