Okinus vs. Acima Lease-to-Own: Which One Is Better for You?

Side by side

From each company’s own site or a retailer’s published disclosure. Checked October 14, 2026. Terms change; confirm before you apply.
	Okinus	Acima
What it is	Lease-purchase agreement. Okinus says it does not provide conventional loans.	Lease-to-own. Acima says: “This is not a loan, credit, or financing.”
Approval amounts	Typical maximum about $8,000; minimum lease $300	$300 – $5,000 (the maximum may require an in-store application)
Standard term to own	Up to 24 months	12 months; Acima says this may cost more than double the cash price
Early purchase	Any time, but not automatic; you call or chat to use an early purchase option	Not automatic; extra payments are needed to buy early
Initial payment	$0, $49.95 or the first payment, depending on retailer and item	An initial lease payment; a “Start a Lease for $10” offer at select stores
Requirements	18 or older with a checking account; no minimum income	Active checking account, at least $750 monthly income with 3 months’ history, photo ID, SSN or TIN
Credit checks	Not based on credit score, but applying authorizes consumer reports; reports to Equifax and TransUnion	No credit history required, but Acima obtains information from consumer reporting agencies
Not available in	Not available in all states (list not published)	MN, NJ, WI (one disclaimer also lists WY)
Other products	Breeze Lease Purchase for HVAC and water heaters	Not covered here

Approval amounts
Acima lists $300 to $5,000. Okinus describes a typical maximum of about $8,000, with a $300 minimum lease.
Income requirement
Acima asks for at least $750 in monthly income with three months of history. Okinus says it has no minimum income requirement.
Term length
Acima’s standard agreement is 12 months to ownership. Okinus leases run up to 24 months.
Store network
Acima says it works with 15,000+ local and online stores. Okinus works through its own network of participating retailers.

Neither gives you cash. The company buys the item from the store and leases it to you.
You don’t own the item until you pay in full or use an early purchase option.
The total usually costs more than the cash price. Compare the total cost to own, not the payment.
“No credit needed” doesn’t mean no credit information. Both use information from credit bureaus or consumer reporting agencies.
Both work only at partner stores. The store you shop at often decides which one you can use.

Compare the same itemAsk for a written quote from each option your store offers, then put both into our lease cost calculator.