Acima or Snap Finance - Easy Payment Options  and No Credit Needed!

High Approval Rates

With Acima or Snap Finance it takes only seconds to get approved for up to $5,000 on a lease-to-own contract. More than 80% of applications are approved — even those with low credit scores.

No Hidden Fees

We offer a transparent, and affordable no credit needed financing option. If you pay in full by 100 days, you pay only an initial payment, plus the cost of your order. No hidden charges or fees. Or if you’d rather take advantage of our full 12-month financing option, we split your payments evenly over 12 months, making sure that your payments align with your pay schedule. It’s as easy as that!

100-Day Purchase Option or Early Buyout:

With the 100-day purchase option — you can choose to purchase the item within 100 days of delivery and pay only the initial payment plus the invoice amount. After 100 days, you may choose the early buyout option and purchase the merchandise at up to 55.00% of the remaining balance on the lease.


  • Photo ID

  • Social Security Number, government ID, or ITIN#

  • Debit card with an initial payment 

  • Checking account

  • $1,000 a month income