Hi. Recently I read a lot of interesting things about the financial company Acima Credit. If you want, you can also read here https://acima-credit.pissedconsumer.com/review.html . It turns out that Acima Credit does not require you to have a minimum credit rating, and its approval depends only on your income. Acima Credit also reports payment transactions to Experian's credit bureau, so timely payments can help increase your credit rating. And yet, I think the most important thing. Acima Credit technically owns the item until you pay off the lease in full. If you choose 12 months, you will pay double the purchase price.