Acima
★ 3.5
acima.com
Acima lease-to-own - approved with soft check but doubles price after 90 days
Needed a mattress and used this lease-to-own option at a furniture store - approved instantly with a soft credit pull despite no credit, $300-$5000 range. NerdWallet warns it can double the retail price if not paid in 90 days, and BBB shows 1.06 with billing complaints. I took the 90-day early purchase and paid the $25 purchase fee plus markup, which saved about 40% off the full 12-month lease total. Process was seamless with auto-pay reminders, but if you can't clear it in 90 days the cost is brutal - only for urgent needs.
Critical Review
lease-to-own
price doubling
soft credit check
early purchase option
billing complaints
