Best Acima Credit Apps

42+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated May 2026

The best acima credit apps on iPhone average 4.4โ˜… across 42+ titles โ€” we've ranked them by what real users actually keep on their phones. Updated May 2026.

Top Picks for Acima Credit

Acima: Lease Now & Buy Later#1

Acima: Lease Now & Buy Later by Acima Credit, LLC

Easy Leasing & Payment Options
Editor's Choice
๐Ÿ›๏ธ Shopping
4.8๐Ÿ˜ž(24K ratings)
Free
Acima: Lease Now & Buy Later screenshot 1
Acima: Lease Now & Buy Later screenshot 2
Acima: Lease Now & Buy Later screenshot 3
Acima: Lease Now & Buy Later screenshot 4
Acima: Lease Now & Buy Later screenshot 5

Lease must-have merchandise up to $4,000 without credit or cash using Acima. Shop furniture, electronics, appliances, and more from thousands of stores. Manage your lease details, payments, and agreements conveniently with the app.

What We Love

  • ๐Ÿš€ Great service
  • ๐Ÿ‘ Customer service representatives
  • ๐Ÿ’ก Life saver
  • ๐Ÿ‘ Easy access of item even with low credit

Room to Improve

  • ๐Ÿ› Customer service issues
  • ๐Ÿ› Confusing fees and charges
  • ๐Ÿ› Incorrect balances and payments
Affirm: Buy now, pay over time#2

Affirm: Buy now, pay over time by Affirm, Inc

Flexible payments, big savings
Strong Contender
๐Ÿ›๏ธ Shopping
4.9๐Ÿ˜ž(1.7M ratings)
FreeAds
#17in Shopping
Affirm: Buy now, pay over time screenshot 1
Affirm: Buy now, pay over time screenshot 2
Affirm: Buy now, pay over time screenshot 3

Shop stress-free with the Affirm app: pay over time at any store, access exclusive deals with low rates, manage your account and payments, and open a high-yield Money Account. Use the Affirm Card online or in-person, request payment plans, link your bank account, and shop easily with flexible payment options.

What We Love

  • ๐Ÿ™ Helpful in tough times
  • ๐Ÿ’ณ Convenient financing option
  • ๐Ÿ“ˆ Improved credit score

Room to Improve

  • ๐Ÿค” Confusing payment process
  • ๐Ÿ”’ Security and privacy concerns
  • ๐Ÿ” Difficulty verifying identity
Snap Finance#3

Snap Finance by Snap Finance LLC

No credit? Shop now, pay later
Worth Considering
๐Ÿ›๏ธ Shopping
4.9๐Ÿ˜(22K ratings)
Free
Snap Finance screenshot 1
Snap Finance screenshot 2
Snap Finance screenshot 3
Snap Finance screenshot 4
Snap Finance screenshot 5

Snap Finance allows you to manage your lease-to-own agreement conveniently from your mobile device. Log in effortlessly with Face ID, access payment details, view transactions, make payments, and explore ownership options. If you're not a Snap customer, shop at partner stores with lease-to-own financing available up to $5,000. Download the app now for easy and flexible financial management.

What We Love

  • ๐Ÿ‘ Easy terms and upfront information
  • ๐Ÿ‘ Friendly and helpful customer service
  • ๐Ÿ‘ Reliable financing option
  • ๐Ÿ‘ Excellent app for rebuilding credit

Room to Improve

  • ๐Ÿ› Buggy and unreliable mobile app
  • ๐Ÿ”’ Concerns about predatory lending practices
  • ๐Ÿ”’ Lack of transparency around fees and interest rates

More Acima Credit apps to explore

4
Afterpay: Pay over time
Afterpay: Pay over time
Afterpay: Pay over time
Shop Now. Split your payments.
Free

Shop fashion, beauty, and tech with the app that lets you buy now, pay later in four interest-free payments. Browse brands, products, discounts, and gift cards across various categories, manage orders, get price drop alerts, use in stores, and access customer support. Download now and enjoy the benefits of Afterpay!

๐Ÿ›๏ธ Shopping
(384)
5
ACIMA Mobile
ACIMA Mobile
ACIMA Mobile
by Sophus Tecnologia
Free
๐Ÿ’ฐ Finance
(0)
6
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Shop anywhere, manage & save
Free

Shop now and pay later with our online shopping app. Enjoy the convenience of deferred payments with easy installment options. Download now for effortless shopping!

๐Ÿ’ฐ Finance
(2.2M)
7
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4ยน
Free

Shop now and pay later with Zip! Enjoy the convenience of making purchases without upfront payments. Experience hassle-free shopping today.

๐Ÿ›๏ธ Shopping
(820K)
8
Progressive Leasing
Progressive Leasing
Progressive Leasing
by Prog Leasing, LLC
Free

Access a mobile app that simplifies shopping with a lease-to-own purchase option, perfect for those with less-than-perfect credit. Shop at over 30,000 retail locations nationwide or from the comfort of your own home. Download the app today for an instant decision and get what you need now, with the ease of payment over time.

๐Ÿ›๏ธ Shopping
(34K)
9
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

Shop, pay later, and build credit with an all-in-one shopping app. Buy your favorite brands and pay over time to improve your credit score. Start shopping smart today!

๐Ÿ’ฐ Finance
(8.4K)
10
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Shop & Pay in 4ยน
Free

Shop clothing, beauty products, electronics, and more with flexible payment options through our app. Buy now and pay later in easy installments to make shopping convenient and affordable for you. Start shopping today and enjoy the freedom to pay at your own pace.

๐Ÿ›๏ธ Shopping
(287K)
11
Possible: Fast Cash & Credit
Possible: Fast Cash & Credit
Possible: Fast Cash & Credit
Borrow money, loans, advances
Free

Possible: Fast Cash is a mobile app that provides quick and easy short-term loans to users in need of urgent financial assistance. Simply download the app, apply for a loan, and receive funds directly into your account within minutes.

๐Ÿ’ฐ Finance
(130K)
12
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Browse, shop, lease, and own.
Free

Discover a revolutionary shopping companion that uses cutting-edge technology to enhance your shopping experience. Find personalized recommendations, exclusive deals, and seamless checkout options all in one place. Elevate your shopping with Katapult today!

๐Ÿ’ฐ Finance
(26K)
13
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Flexible Shopping & Payments
Free

Shop now, pay later at your favorite stores with an app that allows you to split payments into four interest-free installments every 2 weeks. Manage orders, payments, and get notified before due dates. Discover new retailers in the app directory. Happy shopping!

๐Ÿ›๏ธ Shopping
(106K)
14
Fortiva Account Center
Fortiva Account Center
Fortiva Account Center
by Atlanticus Services
Free

The Fortiva Account Center app allows you to manage your credit cards, personal loans, and retail credit accounts on your Apple device. Check balances, view transactions, set notifications, and monitor your credit score with ease. Enjoy features like profile editing, statement exporting, rewards tracking, and more for a comprehensive financial management experience. Your security is a top priority, and the app ensures the privacy and protection of your information. For any inquiries, visit the Fortiva website.

๐Ÿ’ฐ Finance
(82)
15
Acima Benefits Plus
Acima Benefits Plus
Acima Benefits Plus
by Benefit Marketing Solutions, LLC
Free
๐Ÿ’ผ Business
(1)
16
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
Free
๐Ÿ’ฐ Finance
(253)
17
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Easy shopping.
Free

Shop with ease using Suave: Buy now, pay later. Get prequalified for flexible monthly payments and shop at your favorite stores stress-free. Start shopping smarter today!

๐Ÿ›๏ธ Shopping
(657)
18
FlexWallet
FlexWallet
FlexWallet
Shop In Store & Lease to Own
Free

FlexWallet is a convenient shopping app that lets you easily track your expenses and manage your budget while browsing in-store. Take control of your spending with just a few taps!

๐Ÿ›๏ธ Shopping
(2.7K)
19
Douro Acima
Douro Acima
Douro Acima
by REALIZASOM - PRODUCAO AUDIO, LDA
Free

This application provides a guided tour of various boat circuits with a multimedia guide available in six languages, offering automatic and manual navigation modes, audio information, and image galleries. Visitors can explore points of interest, sequence their visit, and share content on social media, making it easy to discover and enjoy the experience.

โœˆ๏ธ Travel
(3)
20
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
Shop in up to 12 installments
Free

Discover a revolutionary all-in-one shopping platform connecting users to a wide range of products and services from various retailers. Shop, compare prices, and access exclusive deals all in one place. Join ZOOD Mall now for a seamless and convenient shopping experience!

๐Ÿ›๏ธ Shopping
(1.3K)

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