Acima Credit
Reviews and Complaints

The very first thing you MUST do if you are considering dealing with Acima is go to the Better Business Bureau website and start reading the over 300 complaints about this leasing company. Operating on, what I am convinced, is the borderline of legality, almost every complaint on the BBB involves Acima's blatant lack of Full Disclosure about the nature of their company and it's policies. This insidious failure to disclose how they actually do business is seriously compounded by the fact that it starts with the merchants who agree to use them. I was charged $10.00 extra for PAYING MY BALANCE EARLY and I was also taxed again by them after being taxed for my product at time of purchase. I was not informed of those terms of the LEASE by the company with which I dealt because they were not told by Acima. I know this because I have been doing business with this particular company for over 20 years without issue. They have always been honest and fair with their customers as evidenced by the 34 years they've been in business. The loan was also presented to me as an interest free credit card, not as a lease with an opt-out interest-free 3 months. Why? Because Acima did not disclose the full terms and conditions to their new "merchant." What is really almost laughable, if not so pathetic, is the $10.00 extra I was charged for paying early, they call a "coupon." The exact OPPOSITE of what is universally understood to mean a bargain or a discount. Worst euphemism EVER!!! I'm only one person, with my one disillusioning experience with them, so heed this warning or not. I will simply and emphatically re-iterate what I said in the beginning-check the BBB website where you WILL FIND over 300 victims of this same company have, essentially, the same story.

. I started an application and didn't finish at the store. I read the terms and decided not to buy the furniture, but less then 20 minutes alter I receive an email saying loan was completed. I called then the next day and told them I didn't sign any documents and I didn't pay any processing fee to complete the loan. No word for 2 weeks then I get an email about non payment. I call them and no help I tell them I don't have any furniture or loan through them. Again no word after the phone call. Six weeks later now ex girlfriend has the furniture delivered and set up while I am at work. Her name was no where on my house lease or furniture lease. Store, ex girlfriend and loan company are all crooks. I filled police report for fraud with all names listed and submitted it. This companies stupid response is I have the furniture, like I am going to put it on the front lawn to be stolen. 56 days behind on loan and credit score drop over 68 points due to fraud. I will be looking to build a case against all three parties involved. I have already filled police report and phone records showing me talking to loan company and not a single phone call to store.

THE WORST DONT DO IT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! This company is a rip off. They lie to you customer service is incompetent. One day before paying off my merchandise on a 90 day plan I call customer service to get an 2 week extension and customer service would not give me a 2 week extension to pay it off. I got stuck with paying double for my merchandise. Please (low income) I know the struggle I've been there. If I was still in a hardship situation this experience would have been much worst because I would not have been able to afford this contract. And you are lease the merchandise until its paid for; if you don't pay they can come and repo I know this because I stop paying them I felt like I gave them enough money and I paid for my merchandise. They will call you everyday but you cant get a competent person on the phone. I paid taxes when I started the contract and they added more taxes and fees. Just be aware this company is like thieves. Taking people money. This was the worst experience working with any company THE WORST!!!!!!!!!!!!! I will also be reporting them to the BBB. Acima Credit rating needs to be 0 so no one will support their business until they get better customer service and know how to treat their customers. Please write reviews. People read review and I do but I did not before purchasing from this company had I read the review I would not have purchased anything from them. Believe what people are saying regarding this company the reviews are true. The reputable furniture company have programs as well try going to a reputable furniture company lets stop supporting these pop up furniture store until they know how to treat their customers. I was able to pay this company off today. I just needed everyone that read reviews to know what you are getting yourself into. This company is not worth it. Edit

I made a first month lump sum payment of half of what I owed ($550 of my $1100 bill). I then set up a payment plan to deduct the remaining amount the next month. Then all of a sudden I start getting charged $193 per month, five months later!!!!!! The email stated that I owed $2350! So I called them and they said that the person on the phone misunderstood me and took the payment of 550 and divided up by 4-months.(?) He also forgot to sign up the direct deposit. So they charged me massive fines for "late payment".....!!!!! I spent hours with them on the phone. They advised me it was my fault because I didn't call them each month to make sure they took the money out of my account.....

bought tires from big O tires in pueblo, co in Sept 2018 sales person stated they were offering credit of $1000for purchase of $750 tires February I thought I should not be having any more deductions from my bank acct(135.00) So I contacted acima credit only to find that what was credit was a lease agreement, not credit as I was led to believe. Now, who leases tires? No one that I can imagine. I've paid for the tires and some and would have paid cash at the time of purchase if I had the correct understanding

I purchased 4 tires from Big5tires a subsidiary of NTB Tires in September 2018 @ acost of$735. I was offered a credit arrangement if payed off in 3 months no interest after 3 months @ 20 some percent interest. In February I thought I should have paid the tires off so I called a number my bank gave because they continued to deduct $135.73 monthly from my account. The agent I spoke with informed that I still owed $950 because I had signed a lease agreement. not credit as I was informed by my sales person. With further conversation I was threatened that they would come and take the tires from my car.

They informed me that they will not run my credit and 1 month after I made my purchase a new card was open for twice the amount I paid for the product