If you want to consider a No Credit Needed* option that offers you the possibility to take your piece of jewelry home today, we offer a Lease Purchase Program through Acima Leasing.
Income History
Do you have a three-month history with your current employer or source of income?
Monthly Income
Do you deposit $1,000 or more into your checking account each month?
Checking Account
Have you had a checking account for at least 90 days?
Checking Activity
Is your checking account free from NSFs, excessive overdrafts, and negative balances?
Flexible payment options
Our weekly, bi-weekly, twice monthly, or monthly lease renewal payment schedules are designed to align with your paydays.
Pay Over 12 Months
Choose to make all lease renewal payments to align with your payday and own the property in 12 months.
90-Day Purchase Option
Save big by purchasing in less than 90 days.
Early Purchase Discount
Purchase after 90 days and save 25% or more on all outstanding payments.
We’ll Report Your Lease Activity
No Credit Needed
While many traditional lenders may not take a chance on you – we will. Consider applying if you have low or no credit.
Credit Reporting
Partnering with credit bureaus, including Experian, means we can report your payment history directly to these bureaus.
HOW DOES IT WORK?
3 easy steps between you and the sparkling jewelry of your dreams! Come join the thousands who have shouted “I Claimed Mine!”
Select your jewelry!
Complete your order!
Take Your Order Home!
Choose from our gorgeous
selection of quality jewelry
Apply in minutes.
Make easy payments,
while you enjoy
your jewelry!
(1) The advertised service is a rental or lease-purchase agreement provided by Acima. It is not a loan, credit, or financing. While no credit history is required, Acima obtains information from consumer reporting agencies in connection with a lease application. Acima Cash Price includes a markup over invoice price. Acquiring ownership by leasing costs more than the retailer’s cash price. Not available in MN, NJ, WI, or WY. Merchant participating locations only. Not all applicants are approved. See lease for details
WHY A LEASE?
Things to consider when looking into a lease.
No Credit Needed*
Alternative to using a credit card
Requires an initial payment of $70 or $80†
Acquiring ownership by leasing costs more than the retailer’s cash price
Easy application process
Affordable lease to own payments
90-day purchase option available
Take your item home the same day or schedule delivery
You do not own the merchandise until it is paid in full
READY TO APPLY?
You will need:
To be 18 years or older
A social Security Number or ITIN
A bank routing and account number for an open and active checking account
An active credit or debit card number
FREQUENTLY ASKED QUESTIONS
Acima provides a flexible and creative alternative to traditional consumer lending. Our No-Credit-Needed lease program provides a lease option where eligibility is not based solely on credit, so you can take home what you need today.
Be 18 years old or older.
Have an active checking account with at least $1,000 of income per month.
Have at least three months of income history with your current source of income.
Have a government-issued photo ID and a social security number or ITIN.
If you’ve got all those things, great! Fill out the application and we’ll let you know within seconds if you’re approved!
Upon lease approval, you pick out the merchandise you want, and Acima purchases the merchandise from the participating merchant location. The property is owned by Acima and rented to you until you elect to complete all of the lease renewal payments, or use an early purchase option. After that, you own the merchandise! Alternatively, you may also terminate the lease at any time, without penalty.
YES it is. There is NO CHARGE to apply for Lease to Own Jewelry
You can be approved for leasable items valued at $500 to $5,000.
No credit? No problem. As long as you meet the approval requirement listed above, you can be approved.
You will receive the approval decision within 60 seconds after you submit your application. The decision includes approved, pre-approved or declined.
45 days from the day you are approved.
Yes, you may lease any number of products up to your approved spending limit. However you cannot combine your Lease approval amount with another form of payment i.e. credit card on a single item.
Engagement rings and wedding set can be sold seperatly. Example: The center diamond and the Semi-mount can be purchased seperatly
Acima’s lease-purchase program (sometimes called rental-purchase) offers an option for you to pick out the merchandise you need and take it home today. And you don’t have to make a big upfront payment or a long-term commitment.
Upon lease approval, you pick out the merchandise you want, and Acima purchases the merchandise from the participating merchant location. The property is owned by Acima and rented to you until you elect to complete all of the lease renewal payments, or use an early purchase option. After that, you own the merchandise! Alternatively, you may also terminate the lease at any time, without penalty.
With a lease, you are agreeing to make scheldued payments for a specific amount of time (the initial lease term) which may vary by state notice, then the lease typically rolls over for the same period as the initial lease term; please be sure to read your lease before electronically signing for the exact terms. You can also buy the item at any time by using the Early Payment Option. if you don’t choose the Early Payment Option, just make your scheldued payments and you own the product.
The length of the lease is 12 months unless you decide to take advantage of our early payoff options.
Buyout Options
Various buyout options are available at any time. Including:
90 Day Early Buyout – During the first 90 Days, customers are welcome to pay off the leased amount (cash price or the “Unclaimed” price plus initial payment) and applicable tax.
Second Early Buyout Option – The second buyout option allows customers to fully own the merchandise early at a discount off the remaining balance.
The sooner you pay off the lease, the more money you would save.
Your renewal payments are based on the value of the merchandise you select and the cost of lease services. Once you pick out the merchandise, we will create a lease agreement based on the value of the leasable items. You can review your renewal payment amounts and frequency prior to signing the lease agreement.
The due dates of your renewal payments are based on the pay dates you enter on your application. After you make your first renewal payment, you’re able to change your payment frequency if needed.
Your regularly scheduled renewal payments will not purchase the property in 90 days. Call or chat with our helpful customer service to set up your 90-day payment plan.
Payment schedules are automatically set up according to the customer’s pay date. These automatically deducted payment schedules include: weekly, bi-weekly, semi-monthly, and monthly payments.
Acima does not automatically send billing statements either by email or physical mail. You can check your remaining balance at any time by logging into your account on www.acima.com. You can also contact our Customer Service Department at (801) 297-1920 and request to have a physical copy of your statement mailed to you.
Through our leasing option, jewelry delivered is “Rent to own,” where by the leasing company buys it from us and leases to you, the customer, with low payments and a 90 day buy out option. If you have determined that you no longer want the merchandise and want to terminate your contract you must contact the leasing provider and make arrangements with them for its return in accordance with the terms in their Lease Agreement.
You can cancel your order any time before the shipment of your order. After delivery, if you are not satisfied with your item, you may return it within 7 days of receiving it. Please see details for returning merchandise HERE.
Yes, just make your payments in accordance with your pay scheldue and you own the product. You can buy the item at any time by using the Early Payment Option.
Yes. Acima reports your lease activity to Experian.
Your FICO score should not be impacted by applying for a lease through Acima. Our application process, however, does include a review of your consumer report, and depending on the consumer reporting agency, the inquiry may appear on your consumer report. Acima uses a soft pull when it accesses your consumer report from any of the national credit reporting agencies (Transunion, Experian, and Equifax).
