Acima Credit Login: The Comprehensive Guide 2023

If you’re looking for an alternative to traditional credit, you’ve come to the right place. This guide will cover everything you need to know about Acima Credit, a lease-to-own financing option that allows you to make purchases.

We’ll walk you through the process of Acima Credit login, reset your login account, the application, and payment options. 

Whether you are a first-time user or a long-time customer, this guide has all the information you need to make the most of Acima Credit. Let’s get started!

Overview of Acima Credit

Acima Credit is a lease-to-own financing company that provides an alternative to traditional credit. It allows you to make purchases and pay over time without needing a good credit score. 

Acima Credit offers flexible payment options and various products and services, including furniture, appliances, electronics, and more.

Acima is one financing business
Acima is one financing business

You can complete the application process online or in-store and get approved quickly, often within minutes. 

With Acima Credit, you can enjoy the benefits of ownership while making payments that fit your budget. 

Like other companies, Acima Credit offers both advantages and disadvantages.


  • No credit check required for approval.
  • You can complete the easy application process online or in-store.
  • Flexible payment options allow you to choose your budget’s payment plan.
  • A wide range of products and services available for purchase
  • An early buyout option available that can save you money on interest.
  • High approval rates, with many customers getting approved within minutes.


  • The higher total cost of ownership compared to paying in full upfront.
  • Interest rates and fees may be higher than traditional credit options.
  • Late or missed payments can result in additional fees and negatively impact your credit.
  • Limited availability in certain areas and for specific products or services.
  • Ownership is only guaranteed once you make the final payment.

Acima Credit Login Step-by-step Process

Login Requirements

Acima Credit Login Step-by-step Process
Acima Credit Login Step-by-step Process

To access your Acima log in account, you will need to meet the following login requirements:

  • Internet access: You’ll need an internet connection to access the Acima Credit website or mobile app.
  • Mobile phone number: You must have an Acima Leasing phone number if you choose logging by phone.
  • Username and password: You will need to provide the username and password you created when setting up your Acima Credit account.
  • Compatible Device: You can access your account on a desktop computer or mobile device, such as a smartphone or tablet.

Customer Login

Here is a step-by-step process for accessing the Acima customer login account:

Step 1: Go to the acima com website to access the Acima Credit login page.

Step 2: Locate the “Login” button on the top right corner of the page and then choose “Customer Login” to proceed.

Step 3: Select the provider as Acima Leasing on the new page.

Step 4: Provide your account information. You have two options to login into your account.

  • If you choose Acima login with phone number, fill in your Mobile Phone on Account and Last 4 SSN. Then press “Send Text Message” and follow the next instructions to login into your account.
  • If you want to log in through account credentials, encourage “Sign In With Credentials.” Then fill in your Username and password and click “Sign In” to access your Acima Leasing login account.

Acima Merchant Login

Figuring out how to login into the Acima Merchant Portal can be tricky, but it doesn’t need to be. 

Follow the steps below to sign in to your Acima Merchant account.

Step 1: Open your preferred web browser and go to the Acima Credit homepage at

Step 2: Click the “Login” button on the right-hand top corner of the homepage and tap “Partner Login.”

Step 3: Provide your credentials, such as your Username and Password.

Step 4: When you have entered your username and password, click the “SIGN IN” button to grant access to the Acima Merchant Portal.

How to Reset your Acima Lease Login Info?

If you need to reset your Acima credit login information, there are a few easy steps you can take. 

How to Reset your Acima Lease Login Info?
How to Reset your Acima Lease Login Info?

Step 1: Visit the login customer on your preferred web browser.

Step 2: Click the “Forgot Password or Username?” link at the bottom of the login page to move to the Change Password section.

Step 3: Enter your email address associated with your Acima account and last 4 SSN. Then press “Request Change Password.”

Step 4: You will receive an email with a link to reset your password. Once you click the link, enter your new password, and you can log in to your account. 

Acima Credit App

Acima Credit has a mobile app called “Acima Leasing,” which is available for download on the App Store for iOS devices and on Google Play for Android devices.

Download Acima Leasing app to get its features
Download Acima Leasing app to get its features

The Acima Leasing app offers a range of features to help you manage your Acima Credit account on the go. Here are some of the critical elements of the app:

  • Account management: You can use the app to view your account details, check your payment history, and update your personal information.
  • Payment options: The app allows you to make payments towards your lease, set up automatic payments, and view your payment schedule.
  • Lease agreement: You can view your lease agreement through the app, making it easy to review your lease terms and conditions.
  • Notifications: You can set up account notifications to receive reminders when a payment is due and receive alerts when new leases become available.
  • Customer support: The app provides easy access to customer support, allowing you to contact Acima Credit directly if you have any questions or concerns.

The Acima Leasing app is a convenient way to manage your Acima Credit account and keep track of your lease payments. 

Acima Credit Application: How Does It Work?

Acima Credit works by providing lease-to-own financing for a variety of products and services. Here’s how the application works:

Step 1: Find a participating retailer: You can visit the Acima Credit website to search for participating retailers in your area. Then you can choose the product or service you want.

Step 2: Get approved for up to $4,000: Their application process is quick and straightforward and will protect your credit.

You can easily complete the application process
You can easily complete the application process

Step 3: Shop at the retailer of your choice: Acima will purchase the item you chose and provide you with a lease agreement in accordance with your contract.

Step 4: Check out in-person or online: The check-out process will start with the Check-out, then Complete Your Agreement and Set Up Payments.

Step 5: Receive your products: You can either buy it at a discount or rent it till you own it. It is yours to keep in either case. 

Learn more: Adirondack Bank Login: Step-by-step Guidelines 2023

Acima Credit Payment Options

Acima Credit offers several payment options to help you make timely payments toward your lease. 

Acima Credit offers its customers many payment options
Acima Credit offers its customers many payment options

Here are some of the payment options available:

Online Payment

You can make a payment online by logging in to your Acima Credit account through the website or mobile app. 

You can pay using a debit or credit card, and you’ll receive a confirmation once you have processed your payment.

ACH Payment

Most ACH payments for lease renewals are made automatically from your bank account. 

You can also set up payments made with a credit card, debit card, or the majority of prepaid cards to process automatically. Mastercard, Visa, and Discover are all accepted.

Phone Payment

You can pay over the phone by contacting Acima Credit phone number at (801) 297-1982. You’ll need your account number and payment information when you call.

Check or Money Order

According to your lease contract, you can use your VanillaDirect Pay barcode to make cash payments at well-known stores like CVS, Dollar General, Family Dollar, and 7-Eleven for a $1.50 transaction fee. 

You can just log into your online account and access the barcode there if you have the option.

What Are Acima Customer Service Number Hours?

Below are the table showing the operation hours of Acima:

Operating Hours
Monday 6:30 am – 7:00 pm MT
Tuesday 6:30 am – 7:00 pm MT
Wednesday 6:30 am – 7:00 pm MT
Thursday 6:30 am – 7:00 pm MT
Friday 6:30 am – 7:00 pm MT
Saturday 7:30 am – 3:30 pm MT
Sunday Closed

How to Contact Acima Customer Service?

There are several ways to contact Acima Credit customer service if you encounter problems in the use process of Acima credit.

Contact customer service to get assistance
Contact customer service to get assistance
  • Acima customer service phone number: You can call Acima phone number (801) 297-1982. Representatives are available Monday through Friday from 6:30 am to 7:00 pm Mountain Time and Saturday from 7:30 am to 3:30 pm MT.
  • Email: You can email Acima Credit at Include your account information and a detailed explanation of your question or concern.
  • Live Chat: You can access the Acima Credit live chat feature on their website, which allows you to chat with a customer service representative in real time.
  • Social Media: You can follow social media platforms like Facebook, LinkedIn, Twitter, and Instagram to get updated on Acima Credit.
  • Mail: Send your questions or inquiries to the following address: Acima Digital, LLC, PO Box 1667, Draper, UT 84020.


What happens if I don’t pay Acima?

If you fail to make payments to Acima, there are potential consequences. 

  • You may be subject to late fees, interest, and collection costs. 
  • Acima may also report you to the credit bureaus, which can harm your credit score.

Can you borrow money from Acima?

Yes, it is possible to borrow money from Acima. You can get approved for up to $300 to $4,000.

What bank is Acima credit?

Acima Credit is not a bank but a lease-to-own company that provides lease-purchase financing for consumers. 

How long does my lease approval last?

If approved with Acima Credit, your lease approval is typically valid for 45 days from the approval date.

This means you can use your authorization to purchase from a participating retailer within those 45 days.


Overall, this comprehensive guide for Acima Credit Login has provided readers with a thorough understanding of the process and its related components. 

We have discussed the step-by-step process for how to log in to Acima Credit, as well as how to reset your password when you forget it. 

We hope this guide has helped you understand the Acima Credit Login process and the application process with Acima Credit.

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