Acima Settles With 43 States for $183.5 Million
The settlement resolves multistate allegations that the rent-to-own provider misled consumers about rental-purchase agreement costs.
Updated on Nov. 12, 2026 in Apartments
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43 states reached a $183.5 million settlement with Acima Digital and Acima Holdings, a subsidiary of Rent-A-Center. The states alleged Acima misled consumers about the costs of its rental-purchase agreements and hid agreement terms during electronic signing.
Why it matters
The agreement requires Acima to train retail partners on the Total Cost of its rental-purchase agreements and to stop marking up prices set by those partners. It also restricts how the company reports these agreements to the major credit bureaus.
The settlement includes $43 million in consumer restitution and $130 million in lease forgiveness, with $10.5 million paid to the states. Acima must also stop reporting its rental-purchase agreements to Equifax, Experian and TransUnion for five years.
The players
Acima Digital
Acima Digital is a rent-to-own company that offers rental-purchase agreements to consumers through retail partners, based in Draper, Utah.
Acima Holdings
Acima Holdings is the parent company of Acima Digital and a subsidiary of Rent-A-Center.
The details
Acima is required to train its retail partners on the Total Cost of its rental-purchase agreements and to stop marking up prices those partners set. The states alleged the company hid terms during electronic signing and made it difficult for consumers to end agreements without penalty after returning merchandise.
Timeline
November 12, 2026: The settlement was reported.
Market Landscape
The settlement follows a pattern of coordinated multistate enforcement against alternative financing providers over pricing disclosures. It places rent-to-own agreements under the same scrutiny applied to other consumer credit products.
Renters considering rent-to-own agreements may face the full Total Cost of ownership that retail partners are now required to disclose. Consumers who return merchandise early should review the penalty terms of their agreements before ending them.
The takeaway
Before signing a rental-purchase agreement, compare the Total Cost against the retail price of the item. Read the terms carefully, since the states alleged some were hidden during electronic signing.
Further reading
Explore more apartment and rental news for how alternative lease-to-own options are changing renters' costs.
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Do you trust rent-to-own companies to be upfront about total costs?
