Acima Credit Login: How To Make Your Credit Payment

Acima offers lease-to-own financing for furniture, appliances, outdoor goods, eyewear, jewelry and more. However, the Acima Credit login portal allows you to log into your account to make a payment to your lease provider from the comfort of your home. You can access your lease agreement, make payments, get support, and more. Everything’s at your fingertips.

This article contains general information regarding managing your Acima Credit online account. Additionally, it discusses steps you need to take in order to register for online access to your account for the first time, including when and how to make a payment to your lease provider from the comfort of your home.

What You Need To Know About Acima

Acima is an alternative way to shop for the name-brand items you want, at the stores you want, without paying cash or relying on credit. After completing an easy application process, you’ll receive an instant approval decision. If approved, begin a lease agreement that will allow you to get your merchandise right away for a low initial payment, then make rental payments until you obtain ownership.

All kinds! Acima lease merchandise for personal, family, or household use to consumers. Their merchandise categories include furniture, mattresses, appliances, auto wheels and tires, as well as, home and mobile electronics, car audio, eyewear, power tools, jewelry, and more!

Generally, you may lease durable goods that are for personal or household use and can be returned. Items must cost at least $300 each to be eligible for lease.

Eligible Items Include

  • Furniture
  • Mattresses
  • Tires
  • Appliances (including hoses)
    • Washers 
    • Dryers
    • Dishwashers 
    • Freezers
  • Electronics
    • Televisions
    • Video Game Systems
    • Audio Speakers
  • Jewelry
  • Handbags
  • Computers, Laptops, Tablets, Smart Phones
  • Camera Equipment

Prohibited Items

  • Items meant to be permanently attached to a home or vehicle
  • Services (e.g., extended warranties, installation, repairs)
  • High Risk Items (e.g., chainsaws, trampolines, drones)
  • Firearms, weapons, and ammunition
  • Clothing & Apparel
  • Consumables
  • Gift Cards

Acima Credit Login Steps

To make a payment to your lease provider from the comfort of your home, you need to be logged in to your online account. You can register for online account and login to read your statement, or manage your account. Acima offers an online account management tool to assist you manage your account and make payments to and from your account online.

The online service lets you make payments by bank transfer and check or set up a direct debit. Citigroup is the credit card provider for Acima.

Acima Credit Login: How To Make Your Credit Payment
  • Go to
  • Choose the provider listed on your lease agreement
  • Enter your information account to login:
    • Username
    • Password
  • Click sign in button to complete login the page. You will login successfully is your information is correct.
  • If you want to login with text, click Sign In With Text Message
  • On the login page, Enter your mobile phone on Account and last 4 SSN to login

How To Make A Payment To Your Lease Provider

The initial payment is your first payment towards your lease! It is deducted from your total lease amount and is required to be made before you receive the merchandise. This amount varies by participating merchant location and category but is generally between $0 to $70.

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, Acima will create a lease agreement based on the value of the leasable items. You can review your renewal payment amounts and renewal 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 their helpful customer service to exercise a 90-day purchase option.

Most lease renewal payments are made automatically by ACH, which automatically processes from your bank account. You can also use a credit, debit card or most pre-paid cards to make payments and have those payments set up to process automatically as well. Acima accept Mastercard, Visa and Discover.

Alternatively, you can make payments in the mobile app, logging into your online account, or over the phone by calling customer service at (801) 297-1982.

Depending on your lease agreement, you may be able to make cash payments at popular retailers, such as: CVS, Dollar General, Family Dollar and 7-Eleven using your VanillaDirect Pay barcode for a $1.50 transaction fee. If this option is available to you, the barcode can be accessed by logging into your online account.

Who To Contact If You Have Problems With Your Lease

Acima customer service department can be reached at (801) 297-1982, Monday to Friday from 6:30 am to 7:00 pm MT and Saturday from 7:30 am to 3:30 pm MT.

They also have an online chat option, which can be accessed through our website Monday to Friday from 7:00 am to 9:00 pm MT and Saturday from 7:00 am to 7:00 pm MT.


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