(210) 366-9919 (San Antonio)

(512) 873-9919 (Austin)

No Credit Needed

No Credit Check Financing Available!

Buy what you need when you need it.
We’ll give you the time to pay.

No Credit Scores

We believe most of us are better than our credit scores. We are committed to seeing one’s true potential by looking beyond a three-digit score.

Instant Decisions

Our proprietary technology will issue an immediate approval decision upon the completion of a brief online or mobile application.

Easy Payment Options

Take the time to pay for what you buy today. We offer tailored payment schedules paired with early payoff incentives.

Text To Apply!

Have an Application Sent to Your Phone Right Now!

Austin: Text 31693 to 22462 / San Antonio: Text 31175 to 22462

Approval Requirements

We don’t ask a lot. Our approval process boils down to four, simple questions.

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

You can choose from weekly, bi-weekly, twice monthly, or monthly payment
schedules designed to align with your paydays. Whatever works best for you.

Early Payoff Discount

Payoff after 90 days and save 25% or more on all outstanding payments.

90-Day Payment Option

Payoff within 90 days and we’ll simply close your account for the amount financed.

Pay Over 12 Months

Take time to repay your account over 12 months with payment scheduled to align with your payday.

Frequently Asked Questions

What do I need to qualify?

  • US government-issued photo ID and SS# or ITIN#. Three months of history with your current employer or current source of income.
  • Deposits totaling at least $1,000 per month into a checking account that has been open for 90 days or more.
  • No NSFs, excessive overdrafts, or negative balances on your current checking account.

How much can I be approved for?

Up to $5,000.00

How do I make my payments?

Once you’ve made your initial payment in-store, future payments are automatically deducted directly from your checking account.

Can I check my account online?

Yes, you can conveniently access your account online to view your current lease details or make a payment. To get started simply visit: customer.acimacredit.com to get started.

Will this get reported to the credit bureau?

We now report to Experian

Let’s build your credit. Together.

We’ll report your payments to credit bureaus so that you can get the score you deserve.