Why Use Acima? Get approved up to $3,000 with just a $70 down payment today! No Credit Needed, and your FICO score will not be impacted. 90-day early purchase option to pay NO INTEREST (option). Easy payments over 12 months or buyout early at anytime during your agreement. Acima even reports your lease activity to Experian, to help build your credit!

  • Income History – You should have a three-month history with your current employer / income.
  • Monthly Income – You must deposit at least $1,000 each month into your checking account.
  • Checking Account – You must have a real (physical) bank & checking account for at least 90 days.
  • Bank Activity – Ensure your checking account free of NSFs, overdrafts, and negative balances.
  • Identity Validation – Have a government-issued photo ID and a social security number or ITIN.