*Acima offers lease-to-own transactions. This is not a loan, credit, or financing. Acima obtains information from consumer reporting agencies during a lease application. We consider multiple data points and regularly approve customers with less than perfect credit history. Acquiring ownership by leasing costs more than the retailer’s cash price. Not available in MN, NJ, or WI. Not all applicants are approved.
†Approval amount based on cash price Acima will pay to acquire the product(s) for your lease. Ownership through leasing costs more than the cash price. Maximum amount of $5,000 may require in-store application.
**Standard agreement offers 12 months to ownership if you choose to make each lease renewal payment, which may cost more than double the cash price. You are not automatically enrolled in any early purchase options and additional payments will be required to purchase early. To purchase early or cancel call (801) 297-1980 or go to customer.acima.com. Refer to your lease for specific terms and conditions.
**If you are approved for the Acima Classic Credit® Mastercard®, your new account and a credit inquiry will appear on your credit report. If your application for Acima Classic Credit® Mastercard® is not approved, a hard inquiry will not appear on your credit report, which means your credit score will not be impacted.
Shop now.
Pay later.
Ready for a fresh approach to creditworthiness? Snap can help.
Won’t affect your FICO® score to apply
Get it now with lease-to-own financing, an installment loan, or a retail installment contract
Get What You Need
Join over 20 million customers and shop no credit needed*
No Credit Needed Payment Options^*
American First Finance partners with FinWise Bank to help provide no credit needed^ flexible payment options for eligible consumers across the US & Puerto Rico.
Our fast & easy online application gives you an approval decision in as soon as minutes so you can get peace of mind with the funding you need and stay ready for life at every turn.
Requirements for the above applications:
Photo ID.
Social Security Number or ITIN#
A debit card or credit card for the initial payment.
Checking account older than 1 year.
18 years and older.







