Best Acima Finance Apps

250+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated August 2026

With an average user rating of 4.5★, the acima finance category is one of the App Store's strongest. Browse all 250+ apps we track, sorted so the most loved ones surface first.

Compare top Acima Finance Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Acima: Lease Now & Buy LaterAcima: Lease Now & Buy LaterFree4.8★ (26K)NoNoAug 2026
2Snap FinanceSnap FinanceFree4.9★ (25K)NoNoAug 2026
3Progressive LeasingProgressive LeasingFree4.7★ (34K)NoNoAug 2026
4Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoAug 2026
5Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.3M)YesNoAug 2026
6Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (16K)NoNoAug 2026
7Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (112K)NoNoAug 2026
8Tilt: Cash Advance & CreditTilt: Cash Advance & CreditFree4.8★ (455K)NoNoAug 2026

Top Picks for Acima Finance

Acima: Lease Now & Buy Later#1

Acima: Lease Now & Buy Later by Acima

Easy Leasing & Payment Options
Editor's Choice
🛍️ Shopping
4.8😞(26K 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
Acima: Lease Now & Buy Later screenshot 6

Lease the items you need without perfect credit. Get approved for up to $4,000 in merchandise like furniture, electronics, and appliances. Shop at thousands of stores or online and make easy payments.

What We Love

  • 🚀 Great service
  • 👍 Customer service representatives
  • 💡 Life saver
  • 👍 Easy access of item even with low credit

Room to Improve

  • 🐛 Customer service issues
  • 🐛 Confusing fees and charges
  • 🐛 Incorrect balances and payments
Snap Finance#2

Snap Finance by Snap Technology SRL

No credit? Shop now, pay later
Strong Contender
🛍️ Shopping
4.9😐(25K ratings)
Free
Snap Finance screenshot 1
Snap Finance screenshot 2
Snap Finance screenshot 3
Snap Finance screenshot 4
Snap Finance screenshot 5

Apply for lease-to-own financing up to $5,000 with no credit check required. Shop for furniture, electronics, and more, and pay later. Manage your lease, payments, and view transactions securely.

What We Love

  • 👍 Easy terms and upfront information
  • 👍 Friendly and helpful customer service
  • 👍 Reliable financing option
  • 👍 Excellent app for rebuilding credit

Room to Improve

  • 🐛 Buggy and unreliable mobile app
  • 🔒 Concerns about predatory lending practices
  • 🔒 Lack of transparency around fees and interest rates
Progressive Leasing#3

Progressive Leasing by Prog Leasing, LLC

Worth Considering
🛍️ Shopping
4.7😐(34K ratings)
Free
Progressive Leasing screenshot 1
Progressive Leasing screenshot 2
Progressive Leasing screenshot 3
Progressive Leasing screenshot 4
Progressive Leasing screenshot 5
Progressive Leasing screenshot 6

Apply for a lease-to-own purchase from your phone to get the items you need now and pay over time. This app connects you with over 30,000 retail locations nationwide, making it easy to find and acquire your next upgrade, even with less-than-perfect credit.

What We Love

  • 👍 Easy to use
  • 💡 Helpful for building credit
  • 🚀 Convenient payment options
  • 🔒 Good customer service

Room to Improve

  • 🐛 App issues (freezing, glitches, login problems)
  • 💰 High interest rates and fees
  • 🤔 Confusing payment details and policies

More Acima Finance apps to explore

4
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

This app allows users to pay for purchases over time with flexible payment options. It offers clear payment plans, deals, and the ability to set up automatic payments. Users can also apply for a card to use anywhere Visa is accepted for convenient installment payments.

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals
🛍️ Shopping
(1.7M)
free with in-app purchases
5
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Cashback, payments, savings
Free

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
💰 Finance
(2.3M)
free with in-app purchases
6
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees
💰 Finance
(16K)
free with in-app purchases
7
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Flexible Shopping & Payments
Free

Shop your favorite online stores and split purchases into four interest-free payments. Manage all your orders and payment schedules in one convenient app, with optional upgrades for exclusive benefits.

Split purchases into 4 paymentsPay every two weeksManage orders in one app
🛍️ Shopping
(112K)
freemium
8
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Cash Advance, Credit Cards
Free

Access cash and credit through advances, lines of credit, and credit cards. The app evaluates real-time income and spending to determine eligibility, offering options without traditional credit checks. It also provides credit score monitoring and automated savings features.

Cash advances up to $400Lines of credit up to $1,000Credit cards with cash back rewards
💰 Finance
(455K)
subscription
9
BBVA Spain | Online banking
BBVA Spain | Online banking
BBVA Spain | Online banking
Download your BBVA Online app
Free

This banking app uses AI to personalize your financial experience, offering faster transactions and a financial coach to help you save and reduce expenses. It also includes features like a virtual assistant, multi-bank connectivity, and tools for mortgages, loans, and investments.

AI-powered personalized shortcutsFinancial Coach for savings and expense reductionVirtual assistant for customer support
💰 Finance
(3K)
free
10
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
Shop in up to 12 installments
Free

Shop now and pay over time with flexible installment plans. Access a vast selection of products from trusted sellers and use a virtual card for seamless online purchases. Stay within your budget while getting what you need.

Buy now, pay laterUp to 12 installmentsFlexible payment plans
🛍️ Shopping
(1.3K)
free
11
ACIMA Mobile
ACIMA Mobile
ACIMA Mobile
by Sophus Tecnologia
Free
💰 Finance
(0)
12
Mariner Finance
Mariner Finance
Mariner Finance
Manage-Payments-Offers-History
Free

Manage your personal loans, monitor account activity, and make payments on the go. Apply for new loans, view current offers, and find local branches. Designed for existing customers to easily access their account information and manage their finances.

Monitor account activitySet up auto payMake monthly payments
💰 Finance
(1.4K)
free
13
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Pay Over Time & Earn Rewards
Free

This app allows you to buy now and pay later with interest-free installments over six weeks. Easily split purchases into four payments, manage your budget, and discover exclusive deals from thousands of retailers. Enjoy a seamless shopping experience with flexible rescheduling options and instant approval.

Buy now, pay laterPay in 4 interest-free installmentsNo interest or hidden fees
🛍️ Shopping
(298K)
free with in-app purchases
14
Aella MFB
Aella MFB
Aella MFB
Seamless Digital Banking
Free

This finance app offers loans, investments, bill payments, and micro-insurance. It simplifies financial access for individuals and businesses, especially in emerging markets, by leveraging technology. Features include address verification through location monitoring for enhanced transaction limits.

LoansInvestmentsBill payments
💰 Finance
(157)
free
15
American First Finance
American First Finance
American First Finance
YES to easy account management
Free

Manage your accounts and apply for financing or leases for various purchases from $300 to $5,000. Track payments, view due dates, and explore early payment savings. Access FAQs and contact tools easily.

Apply for financing/leasesManage account detailsMake and schedule payments
💰 Finance
(34)
ad-supported
16
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
Free

Split your purchases into four easy installments with this buy now, pay later service. Enjoy flexible payment options and secure transactions with no hidden fees. Shop at a wide network of top retailers.

Split payments into 4 installmentsFast and easy onboardingSecure PCI DSS-compliant transactions
💰 Finance
(271)
free
17
Avant
Avant
Avant
by Avant, LLC (US)
Free

Manage your credit card or personal loan with this app. View transactions, schedule payments, and update payment methods. Access customer support easily within the app.

Schedule or cancel paymentsView transaction historyAdd or remove payment methods
💰 Finance
(111K)
free
18
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop Now & Pay Over Time
Free

Split purchases into 4 or 8 interest-free installments, paid bi-weekly. Use online or in-store with a virtual or physical card. Earn cashback and potentially increase spending power with on-time payments.

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards
🛍️ Shopping
(853K)
free with in-app purchases
19
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Easy shopping.
Free

Shop for items you need and pay them off over time with flexible monthly payment plans. Get prequalified instantly, then use the app to manage your purchases and payments at your favorite stores.

Pay in 4, 6, or 12 monthly installmentsInstant prequalificationShop at favorite stores
🛍️ Shopping
(760)
free
20
Service Finance Dealer App
Service Finance Dealer App
Service Finance Dealer App
by SERVICE FINANCE COMPANY, LLC
Free

This app enables registered dealers and agents to securely apply for customer financing on-site. It streamlines the process with features like driver's license scanning for quick data entry, real-time underwriting decisions, and electronic document signing. Agents can manage their pipeline and track request progress efficiently.

Driver's license scanning for data entryReal-time underwriting decisionsDocument and work order uploads
💰 Finance
(130)
free

FAQ about Acima Finance

What are the best acima finance apps for iPhone?
Acima: Lease Now & Buy Later tops our acima finance apps ranking as of August 2026, with a 4.8-star average from 26K App Store ratings, and it's free to download.
Yes — 20 of the top acima finance apps we rank are free to download, including Acima: Lease Now & Buy Later and Snap Finance.
Acima: Lease Now & Buy Later has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 250+ acima finance apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
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.
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.