Acima Reviews 23,180

TrustScore 3.5 out of 5

3.3

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Review summary

Created with AI, based on recent reviews

Considering 1,385 reviews, most reviewers were somewhat happy with their experience overall. Many people appreciate the ability to acquire needed items without traditional financing, finding the payment process straightforward and the option for early payoff beneficial. Customers often highlight the convenience of making payments online and the helpfulness of some customer service representatives. However, some customers also noted significant dissatisfaction with the pricing structure, reporting that the total cost often far exceeds the initial item price, especially if not paid within a short period. There are frequent complaints about hidden fees, unexpected charges, and a lack of clarity regarding payment plans and early payoff amounts, leading to frustration and a feeling of being misled. Additionally, some reviewers experienced poor customer service, including unhelpful staff and issues with payment processing.

What people talk about most

Payment

Clients share ambiguous opinions on payment, with some finding automatic payments easy and appreciating the... See more

Price

People report negative experiences with price, often citing excessively high costs and unexpected charges.... See more

Service

Reviewers highlight ambiguous aspects of service, with some customers expressing satisfaction for being able... See more

Product

Customers had ambiguous experiences with product, with some praising the ability to acquire high-quality... See more

Customer service

Customers consistently note ambiguous experiences with customer service, with many reviewers expressing... See more

Reviews shaping this summary

Rated 3 out of 5 stars

Automatic payments made it easy, but the interest on the loan is atrocious! I paid off my furniture yesterday, but I would have easily paid more than double for the set had I kept making payments. I d... See more

Company replied

Rated 3 out of 5 stars

What I disliked is that I filled out a survey after the furniture was delivered. No-one ever called nor replied, responded back at all from my concern. My 2 piece set was never hooked properly toget... See more

Company replied

Rated 3 out of 5 stars

Limited access when wanting to discuss account issues. Process not clear, at least it wasn't to me. Using the chat was not successful. The attendant I finally got to talk with by phone was very cou... See more

Company replied

Rated 3 out of 5 stars

I was told by the furniture employee and the Acima rep that this was a 3 month no interest program. I choose this because of my high credit rating and I do this all the time. I found out that this is... See more

Company replied


3.3

Average

TrustScore 3.5 out of 5

23K reviews

5-star
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1-star

No history of asking for reviews

This company hasn't invited their customers, so reviews may not be representative

Replied to 99% of negative reviews

Typically replies within 48 hours

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Rated 1 out of 5 stars

Better Customer Service

The first time I applied 4 years ago, everything went smoothly. I recently applied again to help my son, but unfortunately received horrible customer service from Michael to the point that I no longer wanted to move forward with the leasing agreement.

21 May 2026
Unprompted review
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Reply from Acima

Thanks for rating Acima five stars, Mariza. That’s high praise! ^Acima Digital Care Team

Rated 5 out of 5 stars

It was hassle-free and it was a much…

It was hassle-free and it was a much needed thing recommend it to anybody

20 May 2026
Unprompted review
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Reply from Acima

Thank you for your kind words, Donna! 😊 We're glad our team could help guide you to exactly what you need. We appreciate your support and look forward to assisting you again! ^Acima Digital Care Team

Rated 1 out of 5 stars

I had a very disappointing experience…

I had a very disappointing experience with Acima Financial Services.

I completed a lease agreement and received confirmation emails saying everything had been approved and processed correctly. However, a few days later, my orders completely disappeared from the system nothing showed under “My Orders” and there was no active lease information available.

When I contacted customer service, I was simply told that I would need to sign a new lease and redo the purchase from the beginning due to an internal issue. The problem is that one of the items I originally purchased is now out of stock, meaning I may lose the product I specifically wanted because of a system failure that was not my fault.

23 May 2026
Unprompted review
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Reply from Acima

Thamires, I’m really sorry you had such a frustrating experience. Would you mind getting a hold of us at 801-297-1982? We’d really like to see where things went wrong and what can be done. ^Acima Digital Care Team

Rated 2 out of 5 stars

I didn't like the way my payments were…

I didn't like the way my payments were set up I had weekly payments and when I made a large payment instead of subtracting it from the total and taking out the weekly payments it stopped my weekly payments until that the large payment covered the weekly payments

23 May 2026
Unprompted review
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Reply from Acima

Marton, I’m really sorry you had such a frustrating experience. Would you mind getting a hold of us at 801-297-1982? We’d really like to see where things went wrong and what can be done. ^Acima Digital Care Team

Rated 5 out of 5 stars

Amazing program

Amazing program

22 May 2026
Unprompted review
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Reply from Acima

A five-star rating from you, Ezequiel, means a lot. Thanks from all of us here at Acima! ^Acima Digital Care Team

Rated 1 out of 5 stars

This is how Acima stays in business

I went through a financial hardship & couldn’t pay loan off within the time frame. Although the original loan is paid in full, I’m being financially raped!!! I’m still paying “thousands” in interest!!!!! Not hundreds, thousands!!!!!
& that’s Not an exaggeration. Don’t know how people from this company sleep at night. Still going to keep paying them, because I value my credit.
Mock my words, This company will fail because they take advantage of customers more than they help them!!!

21 May 2026
Unprompted review
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Reply from Acima

Amber, I’m really sorry you had such a frustrating experience. Would you mind getting a hold of us at 801-297-1982? We’d really like to see where things went wrong and what can be done. ^Acima Digital Care Team

Rated 5 out of 5 stars

Great navigation

Great navigation, expedient response when applying for a loan. Humble Regards, Dr. Juanita Crawford, EDD, .MSN, RN

23 May 2026
Unprompted review
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Reply from Acima

Thanks for rating Acima five stars, Juanita. That’s high praise! ^Acima Digital Care Team

Rated 5 out of 5 stars

Flexible payments

4th time I’ve used Acima. I honestly love it! I will need them soon lol

22 May 2026
Unprompted review
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Reply from Acima

You are too kind, Cesar. We’re very happy that you’re happy!

Rated 5 out of 5 stars

I don't have great credit and needed to…

I don't have great credit and needed to furnish my apartment quickly. Acima gave me the ability to get high-quality furniture and pay it off easily. Love their app, too!

22 May 2026
Unprompted review
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Reply from Acima

Kimberly, we’re glad to hear Acima was able to help you. Thanks for the great review!

Rated 3 out of 5 stars

Use only if you can’t get credit.

I was told by the furniture employee and the Acima rep that this was a 3 month no interest program. I choose this because of my high credit rating and I do this all the time. I found out that this is a lease to own program with a program fee. Not what I wanted. I paid this off before my second payment with a credit card because I rather pay interest than be in your program.

21 March 2026
Unprompted review
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Reply from Acima

Grace, we’d like to get further details. Let’s work together to get to the bottom of what happened and how we can fix it. Please contact us at 801-297-1982 so we can talk.

Rated 1 out of 5 stars

The app glitched while trying to do a…

The app glitched while trying to do a new lease and I was denied with no further assistance when my eligibility was based off an incomplete application where my identity couldn’t be identified and even after sending all the documentation they asked for I recieved no help. Customer service is a run around and each person will tell you something different.

18 May 2026
Unprompted review
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Reply from Acima

Madison, I’m really sorry you had such an unpleasant experience. Would you mind getting a hold of us at 801-297-1982? We’d really like to see where things went wrong and what can be done about it.

Rated 5 out of 5 stars

Definitely made it easier to purchase…

Definitely made it easier to purchase what I needed and paying it off within 90 days!! Will use it again in the future and recommend this to family & friends.

15 May 2026
Unprompted review
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Reply from Acima

Lovely Nena, we’re glad to hear Acima was able to help you. Thanks for the great review!

Rated 1 out of 5 stars

Crazy APR

The store never explained how much the apr rate was they said it wouldn’t be any extra money more than I owed... yea right, I only owed like 4 something they made it over 1,000 that’s insane. Don’t do it 😂 I ended up just paying it off early.

22 May 2026
Unprompted review
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Reply from Acima

Nakyla, I’m really sorry you had such an unpleasant experience. Would you mind getting a hold of us at 801-297-1982? We’d really like to see where things went wrong and what can be done about it.

Rated 1 out of 5 stars

Let me down

I held 5 different leases totalling over 2,000. Not only did I pay on time, I paid early. Npw I reapplied because my card needs work and I was denied. Nothing in my credit file or finances changed except better and now I cannot get my car fixed. I worked hard to pay off this company and now I need help and iam decclined!!! Scam

18 May 2026
Unprompted review
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Reply from Acima

Larry, it seems like you’ve had a less-than-ideal experience, which is definitely not what we want for you. Would you give us a chance to see what happened and whether there’s anything that can be done? You can reach us at 801-297-1982.

Rated 5 out of 5 stars

Leasing from Acima was wonderful

Leasing from Acima was wonderful. I have been treated like a human not a robot and I've been recommending Acima to everyone I know. Thank you for all your support.

21 May 2026
Unprompted review
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Reply from Acima

Thanks for rating Acima five stars, Bobbi. That’s high praise!

Rated 3 out of 5 stars

Sofa Not connected Properly!!!

What I disliked is that I filled out a survey after the furniture was delivered. No-one ever called nor replied, responded back at all from my concern. My 2 piece set was never hooked properly together, when the 2 men delivered it and still is NOT to this day. I have even called and explained this, but I guess it still did not matter at all to your business. I highly doubt it if you care now to still review this note and come fix my Sofa!!!

I cannot lift it and put it together!!!!!

31 March 2026
Unprompted review
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Reply from Acima

Mitchell, we’d like to get further details. Let’s work together to get to the bottom of what happened and how we can fix it. Please contact us at 801-297-1982 so we can talk.

Rated 1 out of 5 stars

Horrible!

I like having the option to pay within 90 days. But I must be honest when I say there are several fees charged by Acima to pay off merchandise. It's horrible! The total purchase amount at the retail store of my choosing was $680 after tax. To pay off with Acima cost me $880. It's madness!

21 May 2026
Unprompted review
Acima logo

Reply from Acima

Honesty Mitchell, based on your rating of us, we’d like to discuss what might have gone wrong and how we can improve. Would you mind getting in touch at 801-297-1982?

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