The short answer
ACIMA CREDIT LLC is an automatic recurring lease-to-own payment for furniture, appliances, electronics, mattresses, or automotive wheels/tires leased through Acima (a subsidiary of Upbound Group, Inc.).
How Acima lease billing works
Acima Credit LLC (now operating as Acima Leasing, part of Upbound Group, Inc., the parent company of Rent-A-Center) provides point-of-sale lease-to-own purchase solutions at tens of thousands of retail locations nationwide. If you see ACIMA CREDIT LLC, ACIMA LEASING, or ACIMA DIGITAL on your statement, an automated lease payment was processed.
When you use Acima at checkout, Acima purchases the merchandise directly from the retail store and leases it to you under a lease-purchase agreement. Payments are debited automatically from your checking account or debit card on schedules that align with your paycheck frequency (weekly, bi-weekly, semi-monthly, or monthly).
Acima offers a 90-Day Early Purchase Option (or 3-Month Purchase Option in select states) allowing customers to acquire ownership of their items early by paying the invoice cash price plus an initial lease fee. If not exercised within 90 days, the lease continues over a 12-month to 24-month term with recurring payments that total significantly more than the original retail cost.
The fine print on Acima leases
- An automatic recurring lease payment debited on your scheduled direct deposit payday.
- A full-term monthly lease charge continuing after the 90-day early buyout window lapsed.
- An initial lease processing fee ($20 to $50) collected at the time of store checkout.
- A late fee assessed following an uncollected or returned electronic payment draft.
Managing your Acima lease agreement
- Log in to the Acima customer portal at customer.acima.com View active lease agreements, remaining balance calculations, scheduled debit dates, and your 90-day early buyout countdown.
- Execute the 90-day early buyout option Click Early Purchase Option inside your portal or call customer service to pay off the remaining cash price and stop future lease debits.
- Contact customer support for termination or merchandise return If you cannot afford future payments, contact Acima at 1-801-297-1982 to arrange merchandise return and terminate the lease without penalty.
Frequently asked questions
What is the 90-day purchase option on Acima?
The 90-day purchase option allows you to purchase leased items by paying the retail price plus an early buyout fee within 90 days of receiving the merchandise.
Is Acima Leasing considered a loan or credit card?
No. Acima provides lease-to-own agreements, not credit cards or loans. You do not own the merchandise until all lease payments or early buyout terms are fully satisfied.
Independent reference — not affiliated with Acima Credit LLC. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Acima Leasing - How Lease-to-Own Works and Disclosures https://www.acima.com/how-it-works
- Upbound Group - Form 10-K Annual Report (Acima Business Segment) https://investor.upbound.com/sec-filings
Reviewed Sep 26, 2026 · high · About UnknownCharges