Acima Financing Information
No Credit Needed*
There’s no credit needed to apply for the lease-to-own purchase option.
90-Day Purchase Option*
Standard agreement offers 12 months to ownership. 90-day purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early call 800-232-0734
Flexible Payments
Flexible weekly, bi-weekly, or monthly payment options make it simple to use.
Estimate Your PaymentA quick, simple application and purchase process
Apply and get an instant decision.
Call your Hubcap, Tire & Wheel representative at 800-232-0734 to make a purchase or visit select stores.
Sign your lease.
Receive your
Hubcap, Tire & Wheel order.
Apply and get an instant decision.
Call your Hubcap, Tire & Wheel representative at
800-232-0734 to make a purchase or visit select stores.
Sign your lease.
Pay your Initial payment of $49* (or less in CA)
Receive your
Hubcap, Tire & Wheel order.
Frequently Asked Questions
What is the Acima lease-to-own program?
The lease-to-own program from Acima Leasing lets you pay over time for the gear you want now. Acima offers a simple lease program where you make payments over time. Once the payments are made in full, you own the gear. Lease-to-own program is provided by Prog Leasing, LLC.
How does this program work?
You can complete the lease application online, typically in under five minutes. Once approved, please call a Hubcap, Tire & Wheel representative at 800-232-0734 or visit select stores to make your lease purchase. The Acima Leasing program is not currently available online or in MN, NJ, VT, WI & WY. Not all applicants are approved.
What do I need to be eligible and to apply?
You must be 18 years or older (19 years or older in AL), and have a valid Social Security Number, routing and account numbers for an open and active checking account, and a credit or debit card (pre-paid cards not accepted).
Does applying for a lease impact my credit score?
Applying for a lease with Acima Leasing should not impact your FICO score; however, we do look at credit bureau reports, and this inquiry may appear on your credit report.
How much can I get approved for?
Approval amounts will vary. Acima looks at several data points, including employment status and banking history. If it is determined that a Acima Lease is a good fit, an approval and amount will be provided. The minimum lease amount must be at least $150.
Is there a processing fee for a Acima lease?
There is no processing fee. Acima charges an initial $49 payment when you sign the lease (payment varies in CA). This is your first payment and part of the total cost of the lease. If you are not approved, you will not be charged.
How long is the lease?
The lease agreement is typically 12 months. However, there are early purchase options that allow you to own the gear sooner.
How do I make payments on my Acima lease?
Payments will be automatically deducted from your checking account or charged to your credit card. Your payment frequency will depend upon the payday frequency provided on your application.
What will my monthly payment be?
Your payment amount will be determined by the price of the gear you add to the lease. There is a Payment Estimator on the application link where you can estimate what your payments will be. Your exact payment amount will be found in the Lease Agreement, which will be available for your review prior to signing. If you have any additional questions, you can speak with a Acima Leasing customer service representative at 800-232-0734.
Who do I contact if I have a question about my lease?
Contact a Acima Leasing customer service representative at 800-232-0734. Customer service representatives are available Monday through Friday from 8 a.m. to 5 p.m. (MST), on Saturdays between 8 a.m. and 4 p.m. (MST), and are not available on Sundays. You may also access your account online via the customer portal anytime at myaccount.progleasing.com.
Do I have the option of buying the gear before my max lease term ends?
Yes. You can purchase the gear at any time, however, the lease is set up to be 12 months in duration. If you pay it off in the first 90 days, you can take advantage of the 90-day purchase option (3-month purchase option in CA) provided in your Lease Agreement. Within 90 days, you will only pay the actual cash price for the gear, plus the $49 initial payment (same as cash in CA). After 90 days, early buyout options are available, but vary by state.
Can I return an item that was part of a Acima lease?
Yes. You can cancel your lease at any time. If you are within the Hubcap, Tire & Wheel return period, you can return your gear to any Hubcap, Tire & Wheel store or ship it back. If your return is outside of the standard return period, you can return your merchandise to Acima Leasing to cancel the lease. You will need to contact Acima Leasing customer service at 800-232-0734 prior to any return.
What happens if the gear on my Acima lease is damaged or defective?
You will need to contact Acima Leasing customer service at 800-232-0734. Acima will evaluate the product to determine the proper course of action.
Are some items excluded from a Acima lease?
Yes. You are currently unable to lease Pro Coverage, Rentals, Repairs, Lessons, gift cards, digital downloads or other intangible items. These items can be purchased in a separate transaction with another payment type.
What if I have further questions?
You can contact Acima Leasing customer service at 800-232-0734. You can also contact a Hubcap, Tire & Wheel representative at 800-232-0734.
Important Information
The advertised service is a rental or lease purchase agreement provided by Acima. It is not a loan, credit or financing. While no credit history is required, Acima obtains information from consumer reporting agencies in connection with a lease application. Acima Cash Price includes a markup over invoice price. Acquiring ownership by leasing costs more than the retailer’s cash price. Not available in MN, NJ, WI, or WY. Merchant participating locations only. See lease for details. “The No Credit Option” or “All Without Credit” means this is not a credit, loan, or financing transaction. It does not mean or imply no inquiry will be made of credit history or creditworthiness. We consider multiple data points in reviewing your application and regularly approve customers with less than perfect credit history. “Get Approved to Lease up to $5,000 in Merchandise” refers to maximum amount Acima Leasing will spend to acquire goods from a retailer for lease to you. Maximum amount may require in-store application; approval and amount subject to review and verification of your application. Not all applicants are approved. To purchase early call 800-232-0734
