Acima Digital rent-to-own customers in 43 states may receive restitution or have their lease balances reduced under a $183.5 million settlement Acima reached with state attorneys general in November 2026. Eligible customers do not need to file a claim; the settlement administrator or Acima will contact them.
What Happened?
Acima Digital, LLC, a rent-to-own finance company that partners with retailers to let shoppers lease furniture, electronics and other goods, and its parent Acima Holdings, LLC agreed to a $183.5 million settlement with a coalition of 43 state attorneys general, announced on November 12, 2026. The coalition was led by Pennsylvania, Colorado and Tennessee. The settlement consists of $43 million in consumer restitution, $130 million in lease balance reductions and $10.5 million paid to the states.The states allege that Acima marketed its rental-purchase agreements as 90-day payoff programs without disclosing that customers were automatically placed into the maximum 12-month term, under which they could pay roughly twice the cash price advertised by the retailer. They also allege Acima used terms like “credit” that led customers to believe they were getting traditional financing, marked up the cash price of merchandise, obscured terms during its electronic signing process and made it hard for customers to end agreements by returning the merchandise. These are allegations; the settlement resolves them without a court finding.
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Who Gets Relief?
The attorneys general say eligible consumers do not need to take any action. Customers eligible for restitution will be contacted by the settlement administrator, and customers eligible for lease forgiveness will be contacted by Acima. The announcements do not publish an eligibility date range, a per-person amount or a payment date. Pennsylvania says more than 9,000 of its residents will have leases paid off, forgiven or money returned, with more than $1.6 million in restitution and $3.6 million in lease forgiveness for Pennsylvania consumers.The states that joined Pennsylvania are Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Minnesota, Nebraska, New Hampshire, New Jersey, Nevada, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming.
What Acima Must Change
Under the settlement, Acima agreed to:- train its retail partners;
- stop making certain advertising claims unless other material information is clearly and conspicuously disclosed;
- stop obscuring material terms during its electronic signature process;
- stop marking up the cash price above its retail partners’ prices;
- stop obstructing customers who want to end an agreement by returning the merchandise;
- stop reporting rental-purchase agreements to the three major credit bureaus for five years; and
- properly handle late deliveries, merchandise damaged on delivery and repairs where state law or the agreement requires it.
What Happens Next?
Pennsylvania’s consent petition was filed in the Allegheny County Court of Common Pleas and is pending court approval, so timing could change. After approval, the settlement administrator and Acima are to contact eligible customers. This settlement is separate from the $4 million settlement Acima reached with the District of Columbia attorney general earlier in 2026.Questions
Do I need to file a claim in the Acima settlement?
No. The state attorneys general say eligible consumers do not need to take any action. People eligible for restitution will be contacted by the settlement administrator, and people eligible for lease forgiveness will be contacted by Acima.
How much is the Acima settlement?
The settlement totals $183.5 million: $43 million in consumer restitution, $130 million in lease balance reductions and $10.5 million paid to the states. Most of the total is canceled lease balances rather than cash.
Which states are in the Acima settlement?
Forty-three states joined, led by Pennsylvania, Colorado and Tennessee. The District of Columbia reached its own separate $4 million settlement with Acima earlier in 2026.
What did the states allege Acima did?
The states allege Acima advertised 90-day payoff programs without disclosing that customers were placed in a 12-month term that could cost about twice the cash price, used “credit” language that suggested traditional financing, marked up prices, obscured terms during e-signing and made it hard to return merchandise to end a lease. The settlement resolves those allegations without a court finding.
Sources
- Pennsylvania Attorney General: $183.5 million multistate settlement with Acima Digital (Nov. 12, 2026)
- Colorado Attorney General announcement
- New Jersey Attorney General announcement
