Acima Credit No Credit Check
Get What You Need Today
You’re more than a three-digit score.
We’ll help you get what you need today. And you can pay over time - regardless of your credit history. Apply online, on your mobile device, or in the showroom of Wholesale Furniture & Mattress. It’s easy to apply.
You apply, get approved, then you shop. It’s that simple.
Eligibility requirements
We don't ask a lot. Our application is simple and easy to complete.
Income History
Do you have a three-month history with your current employer or source of income?
Monthly Income
Do you deposit $1,000 or more into your checking account each month?
Checking Account
Have you had a checking account for at least 90 days?
Checking Activity
Is your checking account free from NSFs, excessive overdrafts, and negative balances?
Flexible payment options
Our weekly, bi-weekly, twice monthly, or monthly lease renewal payment schedules are designed to align with your paydays.
Pay Over 12 Months
Choose to make all lease renewal payments to align with your payday and own the property in 12 months.
90-Day Purchase Option
Save big by paying off in under 90 days.
Early Purchase Discount
Payoff after 90 days and save 25%
or more on all outstanding payments.
We'll Report Your Lease Activity
No Credit Needed
While many traditional lenders may not take a chance on you - we will. Consider applying if you have low or no credit.
Credit Reporting
Partnering with credit bureaus, including Experian, means we can report your payment history directly to these bureaus.
Wholesale Furniture & Mattress | 1864 County Route 49 Winthrop, New York | 315-389-4400