Yes! Their process does not require a specific credit score or established credit history. They may factor in information from a credit report, evaluate a number of other factors from data furnishers, as well as income to make approval decisions for qualifying customers.

Yes. They report your lease payment activity to the credit bureaus like Experian.
Who owns the product I am leasing? Acima owns the merchandise until you’re ready to own it. After you sign the lease agreement, Acima purchases the item you picked out and leases it to you until you obtain ownership or terminate the lease.

Acima will fund the transaction, at your request, once the item has been fully delivered or picked up by you. The process is simple and provides for most transactions to be paid within two business days. Aima will provide a report which allows for easy and accurate reconciliation of all your Acima transaction payments.

In a credit transaction, a financial institution extends funds to you or to another on your behalf, which you can then use for a purchase. If you make a purchase on credit, you borrow the money and then make payments back to the creditor, which includes finance charges such as interest. On the other hand, when you enter into a lease agreement, you agree to lease items from Acima. Acima then purchases the item you select from our company. Acima does not extend funds to you or on your behalf. You make lease renewal payments to them while using the item, and you can use a purchase option to own the property or terminate the lease at any time, without penalty. There is no interest, but you make lease payments based on the value of the merchandise and the cost of lease services. Acquiring ownership by leasing costs more than the retailer's cash price.