# Acima

**Type:** venture
**Status:** Draft
**Confidence:** Low
**Tier:** C
**Focus:** lease-to-own financing, retail payments, consumer financial technology
**Domain:** capital-programs, computing
**Roles:** data-science, software-engineering, finance-accounting
**Primary Location:** Draper, UT
**Utah Location:** Draper, UT
**Region:** Draper
**Website:** https://www.acima.com/
**Careers:** https://upbound.wd501.myworkdayjobs.com/Acima
**Ownership:** public
**Updated:** 2026-08-11
**Needs-reviewed:** 2026-08-11

## Summary

Acima provides lease-to-own purchasing for consumers who may not qualify for conventional credit. Retailers integrate Acima at checkout, and approved customers lease merchandise through a transaction structured by the company. Acima is part of publicly traded Upbound Group.

## Impact

Lease-to-own can give people access to necessary goods when conventional credit is unavailable, but its total cost and repayment structure can also make already expensive purchases materially more expensive. Great work here means transparent terms, useful underwriting and products that expand access without trapping financially constrained customers. Acima's scale makes both sides of that ledger consequential.

## Utah Context

Acima maintains a Draper operation and recruits data, engineering, finance and other business roles there. Its Utah footprint connects the state's software workforce to a national consumer-finance product whose underwriting and customer treatment deserve close scrutiny.

## What They Need Now

The official Acima board currently includes a manager of data intelligence in Draper. The role is a concrete signal that the company is investing in its analytics and data organization; the broader board should be checked for current engineering, finance and operations openings before applying.

## Open Questions

- What are typical all-in customer costs and completion outcomes, segmented by purchase type and customer risk?
- How does Acima measure whether its underwriting expands durable access rather than shifting hardship into lease payments?
- Which product, engineering and decision-science functions are based in Draper versus other Upbound locations?

## Evidence

- Acima official website — product and customer pathway: https://www.acima.com/
- Acima official careers board — durable applicant path: https://upbound.wd501.myworkdayjobs.com/Acima
- Manager of data intelligence posting — active Draper data leadership need: https://upbound.wd501.myworkdayjobs.com/Acima/job/Draper-UT/Manager-Data-Intelligence_R-100697
- Upbound Group investor site — public-company relationship and reporting path: https://investor.upbound.com/