I am totally committed to making sure that you have a great shopping experience !!!!! RENT A CENTER
Our flexible rental-purchase transactions are not credit, loans, or financing transactions. You can get the things you want for your home without using credit you may have or increasing your debt.
“The No Credit Option” doesn’t mean that no inquiry will be made of credit history. When reviewing y
our application, we will consider multiple data points in reviewing your application and regularly approve customers with less than perfect credit history. Option 1: Small Flexible Payments
At Rent-A-Center, you renew your rental agreement as you go. We work with you to get the right items at the payment amount and schedule that works for you. When you make all of the payments listed in the lease agreement, it’s yours. No further obligation, no further payments.1
1North Carolina residents must pay an end-of-lease purchase option to obtain ownership. Option 2: Own it When YOU are Ready
Want to own it sooner and save? You always have an Early Purchase Option2 that will save you money compared to paying the total cost to own in your lease. When you’re ready to own, simply pay the early purchase price and it’s yours! The sooner you choose, the more you’ll save. Own it in up to 6 months for the greatest savings. In most states, we offer 6 months “same as cash” as our lowest Early Purchase Option price. Rent-A-Center may offer longer same as cash periods in certain areas. CA, HI, NJ, NY, WV and selected locally owned & operated stores offer 3-6 months same as cash depending on the product. Simply bring in the difference between what you’ve paid in rent (not incl. taxes or optional fees) and the original cash price, plus tax, before the Same as Cash period ends and you’ll own it at the lowest cost. Ask a store or review your agreement for more details. Standard Early Purchase Option. After the Same as Cash period ends, you still have the option to own the merchandise early and save. Throughout the life of your agreement, the Early Purchase Option provides significant savings off of the remaining total cost to own when you choose to purchase items before the end of your agreement. This savings can be as much as 50% off of the remaining cost to own.
2Early Purchase Option requires a payment in addition to regular rental payments. Option 3: Pick up where you left off
If for some reason you need to pause your payments, simply return the product. When you’re ready, you can get it back (or a comparable item), and pick up where you left off. What is Acima Leasing? Acima Leasing is a company that partners with name brand retailers to provide customers access to the products they want and need but are unable to get from the retail store. Acima ’s process allows customers to shop with confidence because no credit is needed. Is this a credit sale? Am I stuck with long term debt? Acima Leasing offers flexible leasing agreements to let you enjoy the things you want today without the worry of long-term debt. Unlike credit, you are in control. You have the choice to renew the lease by making affordable payments, buying out the agreement to own it sooner for less, or returning the merchandise. It’s your choice. How long will I need to make my monthly payments? The size of your order (cost and number of items) will determine your payment plan. Your Acima Leasing representative will discuss your specific ownership options with you. What if my item breaks? If an item breaks because of any kind of manufacturing defect, we'll repair it quickly at no additional cost. (1year manufacturer warranty)
How do I qualify? 3 months total job time: Although there is no place for this on the application, it is important we
make our customers aware that they need to have been employed for at least three months.
+ $1,000 minimum income requirement: The customer must deposit their income into their checking
account. We calculate their income based off of what they actually deposit. We do not underwrite
off of paycheck stubs so if the customer splits their paychecks into two separate accounts, you are
only able to count the funds going into the account they’ve applied with.
+ Traditional Checking Account: The customer must be able to provide an ACH accepted traditional
checking account in order to qualify for our program. Some of our retailers have the option to
submit an application with a debit card in the customer's name. Business accounts are not
acceptable.
+ 90 Day Old Checking Account free of NSFs: The account needs to be clear of excessive NSFs and have
no more than 3 protected overdrafts within the last 30 days. The checking account needs to be at
least 90 days old, open/active and ACH supported. *We will make exceptions if the account is 60
days old*
