# Acima: Lease Now & Buy Later — Easy Leasing & Payment Options

> Lease-to-own app for acquiring merchandise without traditional credit checks. (iPhone/iPad app by Acima.)

- Source: https://appshunter.io/ios/app/acima-lease-now-and-buy-later/id1570917482 (this page in markdown: same URL + `.md`)
- Developer: [Acima](https://appshunter.io/developer/1570917484)
- Category: Shopping, Finance
- Price: Free
- Rating: 4.80/5 from 25,995 App Store ratings · 511 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 217 MB
- Released: 2021-06-08
- Data updated: 2026-08-29
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/acima-lease-now-and-buy-later/id1570917482/reviews.md

## What is Acima?

Shop with Acima Leasing today, the leading lease to own app. Acima puts the things you need within reach, all without needing perfect credit. Lease the things you want, and get approved for up to $4,000 in merchandise, like furniture, electronics, appliances, tires, and much more – without paying all in cash up front or using credit cards.

Simply download the app, choose a store, and easily apply to see if you are approved. Shop online through the Acima MarketPlace™ or at the retail location you applied to and choose the eligible items you want – up to your approved lease amount. Acima will purchase the items and lease them to you with easy payment options.

Shop smarter with the app that offers an alternative to financing. Make optional lease renewal payments on the items you want from thousands of locations and e-commerce favorites. It’s as easy as starting your checkout, completing your lease agreement, and taking home or having delivered the items you’re leasing.

Download today to get access to the top lease to own shopping solution.

ACIMA LEASING APP FEATURES:

LEASE WITHOUT PERFECT CREDIT FROM THOUSANDS OF STORES
- Search our retail partners in the app or online at Acima.com to find a location that has just what you need to lease.
- Shopping without perfect credit: Easily complete your lease to own application, purchase items early* at a discount, or return the item at any time without penalties.
- Make payments or update payment methods for furniture, mattresses, electronics, appliances, tires, and more on our lease to own app.
*Action required see lease agreement for details

YOU COULD BE APPROVED TO LEASE UP TO $4,000 IN MERCHANDISE WITHOUT PERFECT CREDIT
- Manage multiple lease agreements simultaneously.
- Use the Acima mobile app to easily check out with your approved retailer or return to use “quick apply” for another lease.
- Make all necessary payments to acquire ownership, and the item(s) are yours to keep – or purchase early for bigger savings.

MANAGE LEASES SEAMLESSLY
- Shop the way you like, for things you love, using flexible lease payments with our lease to own app.
- Carry your shopping power wherever you go. The app allows you to see your lease details, make easy lease payments, access support, view your agreement, and more.

## Key features

- Lease without perfect credit
- Approved for up to $4,000
- Shop at thousands of stores
- Acima MarketPlace™
- Flexible payment options
- Purchase items early at a discount
- Return items without penalties

## Chart rankings

- #123 in Top Free · Shopping (US App Store)

## What do users think of Acima?

Overall sentiment: negative

**Pros**

- 🚀 Great service
- 👍 Customer service representatives
- 💡 Life saver
- 👍 Easy access of item even with low credit
- 👍 Pay off in 3 months
- 👍 Great lease to own plan
- 👍 Provides service for medium to low credit

**Cons**

- 🐛 Customer service issues
- 🐛 Confusing fees and charges
- 🐛 Incorrect balances and payments
- 🐛 Technical issues with app
- 🐛 Predatory lending practices
- 🐛 Lack of transparency

**Commonly reported bugs**

- App crashes and glitches
- Payment issues and incorrect balances
- Inability to update account information

**Most requested features**

- Improve customer service and communication
- Provide more transparency on fees and charges
- Fix technical issues with app
- Offer more flexible payment options

## Recent user reviews (10 of 511)

All indexed reviews: https://appshunter.io/ios/app/acima-lease-now-and-buy-later/id1570917482/reviews.md

### 5/5 — Acima

*2026-08-23, version v5.3*

Acima is there when you Need it

### 5/5 — Great way to buy!!!

*2026-08-22, version v5.3*

I been using Acima for about 7 months bought a lot stuff fridge stove furniture, but it has option to purchase things from many retailers even online, just make sure you make 90 day same as cash payment to really save, no credit check easy approval, so if don't like paying things all at once spending a lump sum or don't have the money to buy what want or need for house or entertainment or necessities,this the app for you, only thing I don't like is the extra fees but it not to much, overall love it, and customer service is always there to help with any situation they help me 2 where I had problems processing a payment or using my remainder approval,  thats a super plus for me good customer service!!!

### 5/5 — Dreams do come true

*2026-08-22, version v5.3*

Acima is so easy to use, allowing my hard working dreams to come true. Thank you Acima!!! Woot woot!

### 1/5 — Intereses altos , no te dejan pagar al capital, cobran más del triple del préstamo.

*2026-08-22, version v5.3*

Intereses altos , no te dejan pagar al capital, cobran más del triple del préstamo.

### 1/5 — Trash App

*2026-08-18, version v5.3*

This company needs to fix this app and its business practice. I got my initial deposit charged from my card but they never completed my purchase! Yeah I DO NOT recommend using them!

### 5/5 — Easy

*2026-08-18, version v5.3*

Very easy to use

### 5/5 — Son una oportunidad que salva

*2026-08-18, version v5.3*

Gracias a la oportunidad que me brindó la aplicación pude adquirir artículos de necesidad con una facilidad de pago maravillosa

### 2/5 — Why

*2026-08-11, version v5.3*

Ever since you guys did a new update or something with that plaid verification. It won’t let me verify although I’m approved. Kind of pathetic. Been using it for over two years now and never had a problem until now. I have called multiple times and still there’s nothing they can do. Your programming sucks and I can’t send in my information through email or anything.

### 5/5 — Awesome

*2026-08-08, version v5.3*

Lease Now Pay Later

### 5/5 — Acima

*2026-08-07, version v5.2.0*

I love how they work with customers

## Frequently asked questions about Acima

### What is Acima: Lease Now & Buy Later?

Acima is a lease-to-own app that allows you to acquire merchandise like furniture, electronics, and appliances without needing perfect credit. It offers an alternative to traditional financing and credit cards, enabling you to get the items you need with flexible payment options.

### How does Acima's lease-to-own work?

You can apply through the app to see if you're approved for up to $4,000 in merchandise. Once approved, you can shop at participating retail locations or through the Acima MarketPlace™. Acima purchases the items and leases them to you with easy payment options.

### Do I need good credit to use Acima?

No, a key feature of Acima is that it allows you to lease items without perfect credit. The application process is designed to provide an option for those who may not qualify for traditional credit.

### What kind of items can I lease with Acima?

You can lease a wide variety of merchandise, including furniture, electronics, appliances, tires, and much more. The app allows you to find retail partners that offer eligible items up to your approved lease amount.

### Can I purchase items early or return them?

Yes, Acima offers the option to purchase items early at a discount. You can also return the item at any time without penalties, providing flexibility in your lease agreement.

## Version history (last 5 releases)

### v5.3 — 2026-08-07

Performance Enhancements

### v5.2.0 — 2026-07-01

Performance Enhancements

### v5.1.0 — 2026-06-12

Performance Enhancements

### v5.0.2 — 2026-05-28

Performance Enhancements

### v5.0 — 2026-05-14

Performance improvements

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*