Do not take a loan out with Acima, their extra fees and taxes are insane, and are about 25% of the transaction, and if you were affected by the pandemic or lost your job, they’re not willing to work with you, even if you’re able to do the early buy out option you’ll still pay about 30 % more than what the item is worth, the more you put down, the higher they charge you, probably one of the worst Loans I’ve ever taken out. I was $300 away from my early buy out option and got COVID, miss my date and they wouldn’t work with me at all, you’ll pretty much pay for the item twice or even three times.
Developer Response
Thank you for bringing this to our attention, Jaysully500. Could you please contact our Customer Support Team by visiting our website and starting a live chat? Our team would like to gather more information to help improve the experience for our customers. You can also speak to them over the phone at 1 (801) 297-1982. Thank you. ^Digital Care TeamTook me only 2 minutes to get approved and select my product. I have been using the app for 8 months without any issues. This app has saved me for going debt.
If you’re certain you will have the money in 90 days then by all means this is a great credit options. But if you fall into a hardship and can not meet that your item price will double or triple. Leaving you stuck with what is basically now an expensive rental item. You’re only options being cutting your losses and being out of whatever you have put in. Or just stick the lease out and end up paying double or triple an items value
If you agree from a merchant to pay for something with Acima, as I did for a pair of glasses, make sure you set up the "early payment agreement" with Acima so that you are paying a sensible and tax / interest free installment which is probably what you are intending. I was sure to do this right away once reading that these people otherwise were expecting me to pay over $1,000 for q $500 pair of glasses, which is 100% interest, something that is literally illegal through any loan or credit provider that pulls your credit information. Skeezy company that prays on poverty and bad credit. The world is full of them. I have paid off my installment without giving them an extra red cent and feel like I need to take a shower now. Screw these vultures and any merchant that partners with them, to be honest. It's unethical.
Developer Response
Thank you for reaching out, AdmiralTubbington. We take feedback very seriously and would like to ensure yours is delivered to the best leadership to address the situation you describe. Could you please contact our Customer Support team at 1 (801)-938-7075 and speak to one of our agents for further support? Thank you. ^Digital Care TeamThis is a terrible app + leasing option overall. There are many underlying fees, they do not always take your payment, they do not offer receipts or payment history, you have little to no idea how much you are paying, how much you have paid, how much you owe, etc etc. I am very disappointed in this company as a whole and would NEVER recommend to anyone else. Definitely not worth it and much better options out there.
I really like this program. I pay a low down payment and then weekly Pmt’s and take the item the same day. All I want to say is make sure you pay off the item in 3 months, otherwise you will be paying 3 or 4 times more. It has work great for me because I have always pay off in 3 months same as cash but payments.
I have called multiple times and have explain my issues about the app not being updated to my correct pricing it’s been a 2 months now. I am only paying the amount the my bill /receipt says I have to pay nothing more once I pay what I owe that’s is it Acima will have to figure out what they going to do about the extra $200 they want me to pay (It’s ridiculous that’s customer has to go through this problem that shouldn’t be a problem at all it’s a quick fixed simple ish
Acima is the worst to business with
Progressive leasing is A1 💯
I love Acima. This is a program for people with crappy credit. If you pay in 90 days all you is a 75 dollar fee. If you don’t you pay out your but in price! But you have to be on top of the 90 day date. It’s YOUR responsibility. It’s honestly my favorite
This is an app to view your lease agreements and such and make payments towards your account and buying stuff with their money, honestly very easy to use and understand, so long as you make your payments on time they don’t bug you! Amazing app
After getting denied for credit at the store this option was presented to me. If you fully understand how it works then you will be good. I highly recommend paying off your lease at the early term date or you will be paying double. I would like to thank them for giving me a chance when the big banks didn’t. Will be using again.
Developer Response
That's great to hear, Spencer U! Thank you for your review and for being an Acima customer. It makes us very glad to hear that you had a good experience. If you find yourself needing any support, please feel free to call our Customer Support team directly at 1 (801) 297-1982. Thank you. ^Digital Care Team
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