Apply Now With No Credit Needed

We’ll help you buy what you need today. And with acima, they give you 12 months to pay for it – regardless of your credit score. Apply online – It’s easy to apply and even easier to be approved.

You apply, get approved, then you shop. It’s that simple.

Approval Requirements

Income History

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

Monthly 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

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

90 day payment option

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

early payoff discount

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

Lets build your credit. Together.

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 they can report your payment history directly to these bureaus, giving you the opportunity to build and/or restore your credit.