What is Acima?
Acima is a Lease-to-Own financing option designed for people who have steady income but might not have the best credit score.
Acima is a great alternative if you’re not approved through ShopPay Installments.
💙Quick & Easy Approval:
Apply with a soft credit check—won’t affect your score!
💙Low Down Payment:
Secure your cloud couch today with just $50 down!
💙No Credit History Required:
Perfect for those with little or no credit!
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Who Can Get Approved?
To qualify for Acima, you just need to:
📆 Have an active checking account for 3 months
💵 Show $750/month in deposits for 3 months
🚫 Have few (or no) overdrafts
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💡 Is Acima Right for You?
✅ Good for low or no credit
If Shop Pay didn’t approve you, Acima is a great second option with an easy approval process.
💸 Best if paid off in 90 days
You’ll get a 12–24 month payment plan, but if you pay it off within 90 days, you’ll avoid all the extra fees.
⚠️ Not ideal for long-term plans
Taking the full 12–24 months can nearly double your total cost due to the higher fees.
🚫 Not available in these states:
NJ, MN, WI, WY, WV — sorry, Acima isn't offered in these states.
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🛍️ How to Checkout with Acima
1. Add your cloud couch to your cart 🛋️
2. Proceed to checkout 🛒
3. When selecting your payment method, choose “Acima Lease to Own”
4. Click “Pay Now” — you'll be redirected to Acima's application page 💳
5. Complete the quick application 📝
If Approved:
Choose your payment plan
&
Pay the $50 payment to complete your purchase!
⚠️ Important Tip ⚠️
If you're signed into ShopPay at checkout, the Acima option might not appear.
Simply scroll to the bottom of the page and click “Checkout as Guest” — this will reveal the “Acima Lease to Own” payment option.