ACIMA - NO Credit Needed Financing

(Applique hoy con su ITIN)

How it works

With ACIMA, after an easy application process, you can receive instant approval to begin your shopping experience, all without credit*. After you choose your item and make a low initial payment, you'll simply make monthly or biweekly renewal payments.

  1. Apply - Get approved in seconds 

  2. Visit our store and show us your pre-approval 

  3. Be ready to shop and place your order! Pay a low $25 initial lease payment

  4. Approve your contract - Get 90 days with no interest to pay 

  5. Call ACIMA and modify payment amount and due date as needed

To apply, you’ll need to:

  • Be of legal age (18 years) to enter into a contract 

  • Have a steady monthly income of $1,000or more with 3 month income history

  • Have an active checking account

  • Provide a valid Government issued ID, SNN or ITIN, and email address and phone number

Frequently asked questions: 

How much can I get a lease approved for by ACIMA?
ACIMA approves amounts from $300 to $4,000.

How many days do I have to pay my lease? 
You have 100 days to pay with no interest! 

Can I pay off ACIMA finance early?
Yes! Early purchase savings available

Can I modify my monthly payments? 
Yes! Initial payments are most likely to be set up to be drafted from your account on your payday (weekly, bi-weekly, etc). You can call ACIMA and modify the payment amount and the due date. 

Can I still be approved by ACIMA if I have bad credit?
Absolutely! ACIMA uses a proprietary approval process that gives you the best chance of being approved. While we may not be able to approve all applicants, we specialize in helping those with bad credit, bankruptcy, or who have struggled with credit issues in the past.

Does ACIMA Finance report to credit bureaus?

ACIMA also works for those who can pay off their lease payments earlier than 12 months and own the product at a discounted price. In addition, the company reports your payment activity to Experian, so making on-time payments may help you improve your credit score.