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Can You Pay Acima with A Credit Card?
July 1, 2025
Quick Answer
Acima lease payments cannot be made with a credit card; instead, they must be processed directly from a checking account.
Should You Pay Acima With A Credit Card?
Let's weigh the pros and cons of using a credit card for Acima payments.
Benefits
- Rewards Programs: You can earn points, miles, or cash back on your payment, depending on your credit card.
- Consumer Protections: Credit cards often provide robust fraud protection and dispute resolution services.
- Payment Convenience: Using a credit card allows for easy online payments and setting up automatic recurring charges.
Costs
- High-Interest Debt: If you don't pay the credit card balance in full, you will accrue interest, increasing your total cost.
- Potential Fees: Some payment processors may charge a convenience fee for credit card transactions.
- Debt Shuffling: You are moving debt from a lease-to-own service to a high-interest credit card, which can complicate your finances.
How to Pay Acima With A Credit Card
Paying your Acima lease-to-own bill with a credit card can be a smart move for convenience and rewards. Here’s a general guide to help you navigate the process smoothly.
Confirm Acima’s Payment Policy: Before proceeding, verify that Acima accepts credit card payments for your specific lease agreement. Check their official website or contact customer service to inquire about accepted card types and any potential processing fees.
Choose the Right Card: To make the most of your payment, select a credit card that offers rewards or benefits for this type of transaction. You can use Kudos' explore cards tool to find a card that best fits your spending habits.
Make the Payment Online: Log in to your account on the Acima customer portal. Navigate to the payment section, select the credit card payment option, and securely enter your card information as prompted to submit your payment.
Verify the Transaction: After making the payment, look for a confirmation receipt from Acima. It's also wise to check your credit card statement within a few business days to ensure the payment was processed correctly.
Impact On Your Credit Score
Using a credit card for your Acima payments can influence your credit score in a few different ways. It's important to consider the potential outcomes before proceeding.
- Credit Utilization Ratio. This ratio measures your credit card balance against your total credit limit. Using your card for Acima payments increases your balance, which can raise this ratio and potentially lower your score.
- Payment History. Making consistent, on-time credit card payments can positively affect your credit history. Conversely, any missed payments will be reported to credit bureaus and could damage your score.
- Hard Inquiries. If you apply for a new credit card to cover your payments, it will trigger a hard inquiry. This can cause a temporary, minor dip in your overall credit score.
Alternative Ways To Pay Acima
Pay by Phone
For those who prefer not to handle payments online, Acima offers a direct payment option over the phone. You can contact their customer service department and provide your payment information to a representative. This method allows you to use a debit card or bank account information to complete the transaction securely without navigating the website or mobile app, offering a more traditional payment experience.
Automatic Payments
To avoid manual transactions, you can configure automatic payments through your account settings. By enabling autopay, your scheduled payments will be automatically deducted from your linked bank account or debit card on the due date. This approach ensures timely payments and helps you avoid late fees without requiring you to log in for each payment cycle, providing a convenient, hands-off alternative.
Choose the Right Card to Pay Acima
Paying off your Acima Leasing agreement is a smart financial move, and using the right credit card can make it even more rewarding. With nearly 3,000 cards in its database, the Kudos Explore Tool helps you cut through the noise. It offers personalized recommendations and side-by-side comparisons so you can find the best card for your specific situation, whether you're prioritizing low interest, cash back, or travel points.
If you want to get more from your credit cards, Kudos is the premier free tool for online shoppers. We're also offering $20 back after your first eligible purchase when you sign-up for free with the code 'GET20' and make a purchase at a Boost merchant.
Frequently Asked Questions
What types of credit cards does Acima accept?
Acima generally accepts all major credit cards, including Visa, Mastercard, American Express, and Discover for your payments.
Are there any fees for paying with a credit card?
Typically, Acima does not charge processing fees for credit card payments, but always confirm with your card provider.
How do I make a credit card payment to Acima?
You can make a credit card payment through the Acima customer portal online or by using their mobile app.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
