A

Acima

Point-of-sale lease-to-own financing for retailers

Overview

Acima offers lease-to-own financing that lets retailers complete sales by purchasing goods and leasing them to customers who may not qualify for traditional financing. The process uses a digital application—via mobile app, website, or in-store—with approval based mainly on income and checking history rather than credit scores, plus data from consumer reporting agencies; customers make an initial payment and follow a flexible renewal plan, with early purchase options to lower total costs. It differentiates itself through a nationwide network of retail partners serving unbanked and underbanked Americans with a tech-driven, point-of-sale LTO experience across online and brick-and-mortar channels. The goal is to provide accessible financing that helps people rise above financial constraints while helping retailers grow sales and expand through omnichannel approaches, a strategy later strengthened by integration into Upbound Group to build a leading virtual LTO platform.

Work here?Claim your company

About Acima

Simplify's Rating
Why Acima is rated
C-
Rated C on Competitive Edge
Rated C on Growth Potential
Rated D+ on Differentiation

Industries

Consumer SoftwareEnterprise SoftwareFintechFinancial Services

Company Size

501-1,000

Company Stage

Acquired

Total Funding

$125M

Headquarters

Draper, UT

Founded

2013

Get referred to Acima

See people who can refer or advise you

Simplify Jobs

Simplify's take

What believers are saying

  • Upbound reported Q3 2026 Acima adjusted EBITDA up 15% and margins to 14.7%.
  • Lease charge-offs improved to 8.7% in Q3 2026 after underwriting tightening.
  • Acima expects new merchant agreements and fourth-quarter 2026 GMV growth after Wayfair launch.

What critics are saying

  • CFPB sued Acima on July 26, 2026 over disguised lending allegations.
  • New York Attorney General litigation and multi-state probes threaten fines, restitution, and product redesign.
  • August 2026 cyber incidents drove $13 million fraud losses; repeat breaches can break merchant trust.

What makes Acima unique

  • Acima embeds lease-to-own checkout at thousands of retailers, including Wayfair in 2026.
  • Upbound’s Acima combines omnichannel retail, instant underwriting, and early purchase discounts.
  • Acima serves non-prime shoppers needing $300-$5,000 financing without traditional credit scores.

Help us improve and share your feedback! Did you find this helpful?

Funding

Total Funding

$125M

Above

Industry Average

Funded Over

2 Rounds

Acquisition funding comparison data is currently unavailable. We're working to provide this information soon!
Acquisition Funding Comparison Coming Soon

Benefits

  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • 401(k) Company Match
  • Health Savings Account/Flexible Spending Account
  • Tuition Reimbursement
  • Professional Development Budget
  • Gym Membership

Growth & Insights and Company News

6 month growth

1%

1 year growth

0%

2 year growth

0%
Texas Appliance Hub
Nov 2nd, 2026
Where to buy Bosch appliances in Houston.

Where to buy Bosch appliances in Houston. Bosch is one of the most recognized appliance brands in the world, known for dishwashers, refrigerators, washers, dryers, and built-in ovens that pair German engineering with clean, practical design. If you are searching for where to buy Bosch appliances in Houston, you have more options than you might expect. Large chain showrooms, local independent stores, and discounted categories such as open-box and scratch-and-dent units all carry different trade-offs in price, selection, and service. Knowing what to compare before you shop will save you time and money. Start with what you actually need. Before you visit any store, measure your space and write down your must-have features. Bosch makes kitchen and laundry products in several sizes, so a 24-inch dishwasher and a 30-inch range are very different purchases. Note the exact model number of any unit you like, because similar model names can refer to different configurations. Decide early whether you need a standard refrigerator, a freezer, or a stacked laundry setup. Set a budget too, since salespeople often steer shoppers toward higher price tiers. Showrooms versus local retailers. Large chains usually display a wide range of models, but they often charge full retail and may have only a few floor models to inspect. Local retailers can offer more flexible pricing and faster delivery windows. Whichever route you choose, ask three questions: Does the store carry current Bosch models? Who provides the warranty? What are the delivery and installation fees? Texas Appliance Hub carries Bosch alongside other major brands, and you can review the full list of appliance brands Texas Appliance Hub carry before you visit. Scratch and dent Bosch units. Scratch and dent appliances are new products with cosmetic damage, such as a dented panel or a scuffed finish, often from shipping or handling. Open-box appliances are new units sold outside their original packaging. The working components are typically the same as on a new unit, but you should still inspect the product carefully. Look at the damage in person, confirm exactly what is wrong, and compare the discounted price with the new retail price. If you want to compare options, visit its scratch and dent appliances in Houston collection. Financing Bosch appliances. A premium appliance can be a significant expense, especially when a refrigerator or washer fails without warning. Financing lets you spread the cost over time instead of paying everything upfront. Texas Appliance Hub works with several financing and lease-to-own partners, including SNAP Finance, ACIMA, Progressive Leasing, American First Finance, Koalafi, and Synchrony. Some programs can start from $0 down, but approval and total cost depend on each provider's terms. Read the full repayment schedule before you sign. You can learn more about appliance financing options on its site. Kitchen Bosch options. Bosch dishwashers are a popular choice for many households, largely because the brand is known for quiet operation. Compare the decibel rating on each spec sheet rather than relying on reputation alone. Check rack layout, cycle options, and whether the unit fits your existing cabinetry. For a closer look at current models, browse its dishwasher selection for Houston kitchens. For refrigerators and freezers, start with interior capacity, door style, and depth. A counter-depth model looks cleaner but may offer less storage than a standard-depth unit. If you are also considering a wine cooler or ice maker, ask the team which kitchen units are currently in stock, since availability changes often. You can also review its current refrigerator collection to compare sizes and features. Laundry pairs. Laundry purchases involve a few technical details that are easy to overlook. Match the washer and dryer capacity so loads are balanced, and confirm whether your home has a 240-volt electric outlet or a gas line for the dryer. Front-load machines typically use less water, while top-load models offer easier access for some households. If you want a coordinated setup, explore matching washer and dryer sets. Visit a store near you. Its Houston-area stores are open daily from 10 AM to 7 PM. Visiting in person lets you see the finish, test the controls, and ask staff about installation requirements. You can find store locations and directions on its website. Its three verified locations are: * Houston: 5228 Hwy 6 N, Houston, TX 77084, +1 346-849-5788 * Stafford: 13911 Murphy Rd, Stafford, TX 77477, +1 713-815-5772 * Pasadena Store: 1303 Spencer Hwy, Pasadena, TX 77587, +1 832-529-9986 Before you buy: A quick checklist. * Ask for the warranty terms in writing, including any exclusions. * Confirm delivery and installation costs, and ask whether same-day or next-day service is available for your address. * Verify dimensions, electrical needs, and venting before you pay. * Inspect scratch and dent units in person before purchase. * Calculate the total financing cost, not just the monthly payment. Frequently asked questions. Does Texas Appliance Hub sell Bosch appliances? Yes, Bosch is one of the brands Texas Appliance Hub carry. Because stock changes, call the store nearest you to confirm availability for a specific model. Are scratch and dent appliances covered by a warranty? Warranty coverage is included with its appliances, though some exclusions apply. Ask for the exact terms that apply to the unit you are considering. Can I finance a Bosch appliance? Financing is available through several partners, and some programs start from $0 down. Approval depends on each provider's criteria, so review the total cost before agreeing. Same-day and next-day delivery and installation are available when possible. Availability depends on your location and the time of your order. Which store is closest to me? Texas Appliance Hub has stores in Houston, Stafford, and Pasadena. Choose the location nearest your home, then call ahead to confirm stock and hours. Khloe Rogers is a content writer and editor who writes the buying guides and how-to articles on the Texas Appliance Hub blog. Her guides explain things in plain language and focus on what to check before you buy.

MarketBeat
Oct 29th, 2026
Upbound Group Q3 earnings call highlights.

Upbound Group Q3 earnings call highlights. October 29, 2026 Key points. * Upbound Group met or exceeded Q3 guidance despite softer consumer demand: revenue fell 1.6% to $1.15 billion, while adjusted EBITDA was $123 million and non-GAAP EPS rose about 1% to $1.01. * Acima prioritized credit quality over volume, with GMV down 11% and approval rates lower, but adjusted EBITDA increased 15% and its margin expanded to 14.7% as charge-offs declined. Brigit remained a growth engine, with revenue up 37% and paying users up 27%. * Strong cash generation supported $77 million of quarterly debt repayment, reducing net leverage to 2.4 times, while the company plans up to $50 million in share repurchases. Full-year guidance was narrowed, with management still targeting at least $250 million in free cash flow. * MarketBeat previews top five stocks to own in November. Upbound Group NASDAQ: UPBD reported third-quarter results that met or exceeded its guidance, as stronger profitability and cash generation offset revenue pressure tied to disciplined underwriting and softer consumer demand for larger-ticket durable goods. Revenue totaled $1.15 billion, down 1.6% from a year earlier and at the high end of the company's guidance range. Adjusted EBITDA was $123 million, flat year over year and above guidance, while non-GAAP diluted earnings per share rose about 1% to $1.01. Chief Executive Officer Fahmi Karam said the company's consumer base remains "stressed but resilient" amid continued pressure from inflation, including elevated costs for groceries, rent, utilities, energy and fuel. He said those conditions have weighed on discretionary spending for products such as furniture and appliances, while prompting Upbound to maintain a conservative underwriting posture. Acima prioritizes margins and credit quality. Acima generated third-quarter revenue of $585 million, down 6.5% year over year, while gross merchandise value declined 11% to $431 million. Karam said the GMV decline reflected a combination of underwriting restrictions, reduced traffic at retail partners and e-commerce sites, and macroeconomic pressure in durable-goods categories. The company estimated that roughly 55% to 60% of Acima's GMV pressure stemmed from tighter underwriting, including a 300-basis-point year-over-year decline in approval rates and additional authentication measures designed to reduce fraud. The remaining decline was attributed to macroeconomic conditions and consumers reducing or abandoning planned purchases. Despite lower volume, Acima adjusted EBITDA rose 15% from a year earlier to $86 million. Its adjusted EBITDA margin expanded about 270 basis points to 14.7%, supported by lower losses and improved gross margin. Lease charge-offs fell more than 100 basis points year over year to 8.7%, the company's lowest level since 2021. Upbound also announced an integration agreement with Boost Mobile that will make Acima a preferred lease-to-own solution across about 5,000 Boost Mobile stores. Acima will be integrated into Boost Elevate's point-of-sale platform, allowing shoppers to apply for lease options through a QR code. Karam said the company hopes to launch the offering before Black Friday, subject to ongoing testing and merchant training. Discover more MarketBeat All Access MarketBeat Research Tools For the fourth quarter, management expects Acima GMV to be relatively flat compared with the prior year, assuming a normal holiday shopping season. The company expects Acima's full-year adjusted EBITDA margin to finish above its 2025 level. Brigit delivers user and revenue growth. Brigit remained a key growth driver, with revenue increasing 37% year over year to $79 million. Paying users rose 27% to approximately 1.84 million, while average monthly revenue per user increased 4.7% to $14.39, aided by a greater mix of premium-tier subscriptions and engagement with marketplace offers. Brigit's adjusted EBITDA climbed 59% to approximately $15 million, producing an 18.7% margin. The company increased advertising and marketing spending by about 18% from the prior-year period. Its net advance loss rate increased to about 4.4%, which Chief Financial Officer Hal Khouri attributed to broader macroeconomic conditions and a 25% increase in advance originations. Khouri said management remains comfortable with Brigit's underwriting and risk-management approach, adding that the company expects the loss rate to decline over time. Upbound raised its outlook for Brigit, projecting annualized revenue growth of about 35% on a normalized full-year 2025 basis, with revenue expected to reach $290 million to $300 million and adjusted EBITDA of $55 million to $65 million. Management also said its multiyear agreement with Experian to offer Brigit's earned wage access product to Experian Money Plus members has produced thousands of initial sign-ups, with a broader rollout expected to contribute more meaningfully in 2027. Rent-A-Center records fourth straight quarter of same-store growth. Rent-A-Center posted same-store sales growth of 1.8%, marking its fourth consecutive quarter of growth. Segment revenue was $459 million, essentially flat from a year earlier, while adjusted EBITDA increased 4.9% sequentially to $66 million. Compared with the prior-year period, however, Rent-A-Center adjusted EBITDA declined 11.3%, as the company cycled a stronger third quarter in 2025. Its adjusted EBITDA margin improved sequentially to 14.4% from 13.5% in the second quarter. Lease charge-offs were approximately 5.4%. Management said it continues to optimize the store base and consolidate locations where doing so improves market economics. The company is also evaluating its Amazon in-store pickup and drop-off partnership, now available at approximately 1,500 corporate-owned Rent-A-Center stores. Karam said the program has generated about 50 additional customer visits per store per week on average, although the company is still working to better track conversion from those visits. Cash flow supports debt reduction and share repurchases. Upbound generated $163 million in operating cash flow and $121 million in free cash flow during the quarter, compared with $50 million in free cash flow a year earlier. Year-to-date free cash flow was approximately $340 million. The company repaid about $77 million in debt during the quarter, bringing total debt reduction since year-end to more than $225 million. Net debt stood at approximately $1.2 billion, while net leverage declined to 2.4 times trailing 12-month adjusted EBITDA from 2.6 times in the prior quarter. Upbound intends to repurchase up to $50 million of common stock under its existing authorization. It also paid a quarterly dividend of $0.39 per share, totaling about $23 million in the quarter. Khouri said the company is targeting leverage in the 2x range over the long term. The company said it has reached a non-binding agreement in principle on primary terms of a potential settlement related to a multistate attorney general investigation involving 43 participating states. Expected legal settlement payments in the fourth quarter are included in its full-year free-cash-flow outlook. For the fourth quarter, Upbound expects revenue of $1.15 billion to $1.25 billion, adjusted EBITDA of $125 million to $135 million, and non-GAAP diluted earnings per share of $1.00 to $1.10. Full-year guidance was narrowed to revenue of $4.68 billion to $4.78 billion, adjusted EBITDA of $510 million to $525 million, and non-GAAP diluted EPS of $4.15 to $4.30. The company continues to expect at least $250 million in full-year free cash flow. About Upbound Group (NASDAQ:UPBD). Upbound Group, Inc is a provider of consumer leasing and retail solutions, operating primarily through its Rent-A-Center and Acima brands. The company enables customers to obtain merchandise through flexible lease-to-own agreements and related payment options, serving consumers who may prefer alternatives to traditional retail financing. Its Rent-A-Center business operates company-owned and franchised locations, as well as digital channels, offering furniture, appliances, electronics, computers, smartphones and other household goods. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. Before you consider Upbound Group, you'll want to hear this. MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and Upbound Group wasn't on the list. While Upbound Group currently has a Hold rating among analysts, top-rated analysts believe these five stocks are better buys. Discover the next wave of investment opportunities with our report, 7 Stocks That Will Be Magnificent in 2026. Explore companies poised to replicate the growth, innovation, and value creation of the tech giants dominating today's markets. Continue following MarketBeat

Lisy's Furniture LLC
Sep 23rd, 2026
How to upgrade your home today with $0 down: the easy guide to Acima & Snap financing in West Haven, CT.

How to upgrade your home today with $0 down: the easy guide to Acima & Snap financing in West Haven, CT. Published on 23 September 2026 at 17:08 Transforming your living space shouldn't have to wait for tax season, a bonus check, or a perfect credit score. Whether you need a plush modular sectional for family movie nights, a modern dining set for holiday hosting, or an ultra-comfortable bedroom retreat, bringing quality furniture home is easier than ever. At Lisy's Discount Furniture (523 Campbell Ave, West Haven, CT), Lisy's Furniture LLC partner directly with top lease-to-own providers Acima Leasing and Snap Finance to help you take home what you love today with flexible, manageable payment plans. Why choose Acima or Snap lease-to-own financing? Both Acima and Snap Finance provide accessible shopping power designed for real life: * No Credit Needed: Approvals are based primarily on income consistency and active checking account history rather than strict traditional credit scores. * Instant Digital Decisions: Receive an approval response in seconds directly on your phone or while visiting its showroom floor. * High Purchasing Power: Qualified shoppers typically receive between $300 and $5,000 in approval limits. * Flexible Payment Schedules: Align payment dates with your direct deposit - choose weekly, bi-weekly, or monthly terms. * Early Purchase Discounts: Save significantly on overall lease fees by paying off your balance early via 90-day purchase options. Before starting your application, have these basic requirements ready: * Age Requirement: Must be at least 18 years of age. * Valid Identification: Government-issued photo ID (driver's license, state ID, or passport) and a valid SSN or ITIN. * Active Checking Account: An open, active checking account in good standing for at least 60-90 days. * Steady Income: Proof of consistent income (typically $750+ deposited monthly into your checking account). * Initial Payment Method: A credit or debit card ready to make the initial lease activation down payment upon contract signing. Step-by-Step: from application to same-day delivery. Step 1: pick your dream furniture. Browse its showroom floor or shop online at lisysfurniturellc.com. Select your favorite sectional couches, recliner sets, master bedroom suites, or dining room tables and get your total estimate. Step 2: apply in minutes (online or in-store). * Online: Visit its website's financing portal to apply from your phone or computer before arriving. * In-Store: Stop by its 523 Campbell Ave showroom. Scan its in-store QR code or use a showroom tablet to submit your details in under 5 minutes. Step 3: Instant soft-check approval. Submit your basic details for review. The initial application uses a soft check that does not impact your credit score, instantly revealing your spending limit. Step 4: finalize your agreement. Review your payment breakdown, select your preferred schedule (weekly, bi-weekly, or monthly), and sign your digital lease agreement. Submit your small activation payment to finalize the contract. Step 5: schedule same-day pickup or delivery. Take your new furniture home immediately or schedule convenient local curbside or doorstep delivery across New Haven County! Visit Lisy's Discount Furniture in West Haven, CT. Don't put off the comfort and style your family deserves. Stop into its West Haven showroom to test out its latest arrivals, or start your quick application online today! * Showroom Address: 523 Campbell Ave, West Haven, CT 06516 * Call / Text: 475-300-2129 * Shop & Apply Online: lisysfurniturellc.com * Rear Parking Available: Dedicated customer parking directly behind its building off Campbell Ave. * Hablamos Español: Walk-ins welcome 7 days a week!

HookPhish
Aug 21st, 2026
Ransomware Group iah6477 hits: acima.

Ransomware Group iah6477 hits: acima. HookPhish team Target organization acima acima.com Financial Services Summary. In the latest cybersecurity news, acima - an organization based in US - has fallen victim to a ransomware attack conducted by the group iah6477. This data breach, discovered on Aug 20, 2026, 18:29 UTC, underscores the increasing need for proactive cybersecurity defenses as HookPhish continue through 2026. Incident report. | Target Organization | acima | | Threat Group | iah6477 | | Summary | Size: 2.1 TiB | | Date of Breach | Aug 20, 2026, 18:29 UTC | | Discovery Date | Aug 20, 2026, 18:29 UTC | | Region | US | | Target Domain | acima.com | | Business Sector | Financial Services | How to reduce your ransomware risk. Most ransomware intrusions start with a stolen password or a phishing email. A few proactive steps sharply cut your exposure: * train staff to spot attacks - close the gap attackers exploit. * monitor the dark web for leaked logins - close the gap attackers exploit. Disclaimer. HookPhish does not engage in the exfiltration, downloading, taking, hosting, viewing, reposting, or disclosure of any stolen information. All breach data reported here is sourced from publicly available threat intelligence feeds for awareness purposes only.

Yahoo Finance
Aug 4th, 2026
Upbound Group narrows 2026 revenue outlook as Brigit grows 37% and Acima boosts margins

Upbound Group reported second-quarter 2026 results showing modest consolidated revenue growth of 0.5% to $1.16 billion, but performance varied sharply across its business segments. Adjusted EBITDA fell 4.6% to $127 million as weaker consumer demand and higher costs pressured the lease-to-own operations. Brigit delivered the strongest growth, with revenues rising 37.1% to $71.1 million and paying subscribers climbing 30.2% to 1.72 million. The segment achieved a 16.6% adjusted EBITDA margin. Acima improved profitability despite lower volumes. Rent-A-Center posted positive same-store sales without meaningful segment expansion. Management reaffirmed its adjusted EBITDA and earnings guidance for 2026 but narrowed the revenue outlook. Brigit's multiyear partnership with Experian adds a new distribution channel for its earned-wage-access product.

Recently Posted Jobs

Sign up to get curated job recommendations

Acima is Hiring for 12 Jobs on Simplify!

Find jobs on Simplify and start your career today

Don't see your dream role? Check out thousands of other roles on Simplify.Browse all jobs