Acima - No Credit Option Leasing
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SE HABLA ESPANOL!
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Acima Lease-to-Own Furniture in Sacramento
No Perfect Credit Needed! Get the Furniture You Love with Flexible Payments.
At BedCo Furniture, we believe everyone deserves a comfortable, beautiful home. That's why we offer Acima Leasing, a convenient lease-to-own option that helps customers get the furniture they need without paying the full purchase price upfront.
Whether you're shopping for a new sofa, sectional, bedroom set, dining table, or mattress, Acima offers flexible payment options for customers with a variety of credit backgrounds.
Fast Application • Flexible Payments • Early Purchase Options
Why Choose Acima at BedCo Furniture?
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No Perfect Credit Required: Customers with less-than-perfect credit are welcome to apply.
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Fast Approval Decisions: Complete a simple application and typically receive a decision in seconds.
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Up to $5,000 in Lease Approvals: Qualified applicants may receive approval for eligible merchandise.
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Flexible Payment Schedules: Weekly, biweekly, semimonthly, or monthly payments, depending on your agreement.
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Early Purchase Options: Take ownership sooner and potentially save compared with completing the full lease term.
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Convenient Local Shopping: Choose your furniture at our Sacramento showroom.
How Does Acima Work?
Getting started is simple!
Step 1 – Apply Online
Complete Acima's quick application and receive an approval decision, typically within seconds.
Step 2 – Visit BedCo Furniture
Bring your approval information to our Sacramento showroom.
Step 3 – Choose Your Furniture
Shop our selection of sofas, sectionals, bedroom sets, dining furniture, mattresses, and more.
Step 4 – Review Your Lease Agreement
Review your initial payment, renewal payment schedule, total cost, and early purchase options before signing.
Step 5 – Enjoy Your Furniture
Arrange pickup or delivery and make your scheduled lease payments. Contact Acima directly to discuss eligible payment schedule adjustments or early purchase options.
What Do You Need to Apply?
Acima's general application requirements include:
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Be at least 18 years old or the applicable age of majority.
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Have a steady monthly income of at least $750 with approximately three months of income history.
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Have an active checking account.
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Provide a valid government-issued photo ID.
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Provide your Social Security number or eligible taxpayer identification number.
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Provide an active email address and phone number.
Additional eligibility and verification requirements may apply. Approval is not guaranteed.
Frequently Asked Questions
Can I Get Approved With Bad Credit?
Yes! Acima considers applicants with a variety of credit backgrounds, including customers with limited credit history or previous credit challenges.
Approval is based on Acima's eligibility requirements and review process. Not all applicants will qualify.
How Much Can I Get Approved For?
Qualified customers may receive lease approvals ranging from $300 to $5,000, depending on eligibility and application requirements.
Your individual approval amount may vary.
How Long Is an Acima Lease?
Acima generally offers lease agreements with scheduled payments over a 12-month period, although terms may vary.
You may have the option to purchase your merchandise earlier and reduce your total cost.
Does Acima Have a 90-Day Early Purchase Option?
Acima offers an early purchase option during the first three months of eligible California lease agreements.
This option allows you to acquire ownership sooner, potentially saving money compared with making all scheduled lease payments.
Important: The early purchase option is not the same as 90 days interest-free or a cash-price purchase. Additional charges apply, and the specific amount is outlined in your agreement.
Can I Purchase My Furniture Early?
Yes! Acima offers early purchase options throughout eligible lease agreements.
Contact Acima to confirm your current purchase amount and available savings.
Can I Change My Payment Schedule?
Acima offers several payment frequencies, including weekly, biweekly, semimonthly, and monthly arrangements.
If you need to request a payment schedule adjustment, contact Acima directly. Changes are subject to approval and your lease terms.
Does Acima Check My Credit?
Acima may review information from consumer reporting agencies when evaluating applications.
Applying generally involves a soft credit inquiry that does not affect your FICO score with the three major credit bureaus.
Is Acima a Loan?
No. Acima offers lease-to-own agreements, not traditional loans or credit financing.
You make scheduled lease payments and can acquire ownership by completing the required payments or exercising an eligible early purchase option.
The total cost of ownership through leasing is higher than the retailer's cash price.
Can I Use Acima at BedCo Furniture?
Yes! BedCo Furniture offers Acima Leasing as a payment option for qualifying merchandise.
Once approved, visit our Sacramento showroom, select your furniture, and complete your lease agreement with assistance from our team.
Ready to Shop? Apply for Acima Today!
For 15 years, BedCo Furniture has proudly helped Sacramento families furnish their homes with quality furniture at affordable prices.
With Acima Leasing, you can explore flexible lease-to-own options and bring home furniture that fits your lifestyle.
Visit BedCo Furniture
6513 Folsom Blvd
Sacramento, CA 95819
Email: Bedcofurniture@gmail.com
Important Lease-to-Own Disclosures
Acima offers lease-to-own agreements, not loans or traditional credit financing. Approval is not guaranteed.
Lease payments and the total cost of ownership depend on the terms of your agreement. Acquiring ownership through leasing costs more than the retailer's cash price.
Early purchase options are subject to specific terms, deadlines, and additional costs. The early purchase option is not an interest-free financing promotion.
Customers should review all lease terms, renewal payment amounts, total ownership costs, and early purchase options before signing.
For additional information, visit Acima's Official Website.