Acima Credit
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Acima Credit Employee Reviews

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Great company when I started. Now, it seems that you need to he bilingual to advance. I have watched this happen, sadly. Guess they are going in a new direction and it isnt very positive.
Pros
Schedule
Cons
Management
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Work-life balanceAmazing company, they care for their employees always making sure our family’s are good and that we make sure we can do every thing we can for our customersOverallMy Acima team is family. I love the company and culture. They always provide snacks and cater a lot. They have fun parties and do lots of fun giveaways!
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love that pet insurance was offered & the bonuses offered as well as gift cards helped alot & we also were able to leave early on Christmas eve.
Pros
Twice monthly catering, gift cards, Christmas bonuses monthly bonuses.
Cons
Lack of flexible spending account, & option to permanently work remotely from home. The new location is pretty far from where i live.
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Where do I start? The company sets sales quotas the same regardless of population and number of potential businesses. You also compete in your own region for sales with your direct Manager and Inside Sales staff located in Salt Lake City. They won’t calculate denied applications into the equation, only completed sales. The job could be good if they assigned accounts to the local rep, especially the ones that are no longer being serviced by the original rep. Bottom line is you can enroll more that double the quota of 5 accounts and obtain more than the monthly quota of 5 first leases and still be terminated. One last thing, if you are honest with your merchants about the “fees” expect to be terminated for that too. Bottom line, Acima is a very deceptive company. If you do decide to accept a position with them, then expect to only be there 5 months.
Pros
Schedule, Base pay
Cons
Unrealistic quota; competing with direct manager, inside sales.
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Acima is a solid company, but doesn't care about its people. After Covid, people were tossed aside even though the company remained fairly solid. Leadership cares about profit and nothing else -- not customers or employees. There is no strategy, just dollar signs.
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Overall I enjoyed working for Acima, but I don't think they have their priorities straight. Every supervisor loves to make it known that they are supervisors. Especially the trainer. It's kind of like a hierarchy. Also, they are always willing to bend every single rule to make it seem like the customer is at fault.
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This place don’t care about employees. They hire people with little to jo experience and they just don’t have time to help you you gotta do it in your own
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Just stay away from this position. You will be given a territory that is large but the amount of large accounts have primarily been taken due to saturation in this industry so it will be nearly impossible to eventually hit your lease goals unless you are one of their few reps that have been grandfathered in.
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-Free snacks(Now common in all companies) -Flexible Shifts -Okay Pay(which can change/cut monthly) Unstable Work/Pay -They literally have changed the commission structure 3 times from the time I worked there which was a little less than a year -Mutiple supervisors and agents left due to pay cuts because the commission structure changed to cut pay. So that management can get paid more. -QA is not fully built and has no structure but yet they will still hold your score against you and take money out your pocket -They will give you updates on policies, attendance, guidelines, etc. the end of the month and say it has been in effect the beginning of the month Bad management -Literally was told everyone is replaceable -They will give you updates on policies, attendance, guidelines, etc. the end of the month and say it has been in effect the beginning of the month -Worked here a little less than a year and they have got rid of the manager, got a new operations manager, multiple supervisors leave, or change to be agents instead, and then back to supervisors after the other supervisors quit. -Hidden agendas, probably one reason why supervisors leave. Not transparent with their employees. No morals or culture or values -Being told everyone is replaceable(does not make you feel valued) -Told in a meeting they are getting too packed with people and now will be sharing desks so take your things home -Super cluttered and unorganized building -If you dont have anything in common with management or if you do not kiss up to them your job is at risk even if you hit - more...
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It is always changing; the commission structure, the attendance policy, the QA qualifications - Nothing is the same for more than 2 months. When it comes to write ups and infractions, it is not very consistent amongts the board for employee's. Some stuff is so heavily watched and monitored while other stuff is just pushed under the rug.
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This is a family of the CEO first company, so don't be surprised when everyone in charge is a sibling, nephew, niece or close friend of the CEO. All in all, there is a good vibe here. Advancement may be determined on how well you integrate yourself into the company owned family.
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Overall, the industry is shady in itself. You won't be proud of the work you're doing at all. It's one step better than payday loans. They suck you in saying you'll have a decent salary to start, then earn tons of commission, then have opportunity. First off, there's no advancement, occasionally because they fire and go through so many employees in the sales department a more tenured sales rep may be moved to a manager role but besides that you'll either be a sales rep making the base, or you'll ramp up and make decent money still knowing you could get cut at any time if you miss one goal or metric. Second, the goals don't deviate by region or city/state. So if you're in Kansas, you'll have the same goals as the rep in somewhere like Los Angeles. This makes no sense for multiple reasons. Size of the territories and population. Also, general economics. Somewhere like for instance Kansas City, doesn't have as many prospective customers for this low end finance as a place like LA or Phoenix, etc. Those places were all killed during the recession and have way more swaths of lower economic levels to pull customers from. Due to these goals not adjusting, when they go into a market that's not a major city, expect them to use you to just get accounts then move on. They have terrible turnover and are known for it. Even the low-end competitors in the industry know the reputation the CEO has and that the company is run by greed.
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I worked under one of the best Manager's he was very hands on and always here to guide us on the road to success. I never felt like i wasn't given the support I needed.
Pros
Free lunches
Cons
Being on a draw was tough
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Very little training with extremely high expectations. Zero to little coaching. Loved most people that I worked with, but help and coaching were scarce and favoritism and nepotism run deep in this company.
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They expect you to go and sign up business owners to finance their customers for purchases but the program you're selling isn't the actual program they get. Merchant call angry and they pass the buck real quick. Don't do business with this company. You DO NOT control your own destiny here like they sell you in the interview process. You'll have a better reputation as a used car salesman.
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You'll need 'em ! After three days of training with another-man-trainer-creep-man with unsolicited advances, we were released onto the call center floor. Before I was even able to punch in properly due to not having the credentials set up, I was taken into my new managers office to be warned. From the get go , it was off to a bad start and the red flags started flappin' in the wind. Later, structure changed so rapidly we couldn't keep up and were penalized for not following rules that were never established. Micro managed to the point of exhaustion I wasn't even able to refill my water bottle, leave for a break to the restroom, etc... The time clock managers watched your every move and would message you publicly in the public chat to discipline you. Why ? This is not humane. Please avoid. Not worth it. In call centers I love what I do helping people. The toxic environment at Acima destroyed that passion. Their QA structure is ridiculous and impossible. It is biased to a point of continuous failure. The workload was impossible to tackle. There is a definite theme not being able to progress in this company. They want to kick you while you're down and keep you there. I've never been treated so horribly by management in my career.The inexperienced management I had to work under spoke volumes, without any resolve. Disorganized chaos, zero professionalism. The End.
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Your typical fast growth company; be competent + provide value and you will rise quickly. Churn is very high because work is demanding. This is a bad thing if you like stability, but it's a good thing if you can outperform your peers.
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Acima is an awesome place to work. If you work hard, there is endless opportunity for you to advance your career. I've grown so much since I started here, and the opportunities they have provided to me have really impacted my life. The executive team is very involved in the day to day and they make a conscious effort to get to know their employees, which is a super cool thing. They place a huge emphasis on culture and it shows, Acima is a really fun place to work. My coworkers are awesome and I have flexibility with my schedule. Benefits are good, Acima offers an HSA and a 401(k) match. There is a Summer party and Christmas party each year, both of which are incredible.
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I have worked for other companies in the past, and since I started with Acima, this is one of the few companies that cares about what you think and what ideas you might have to help grow their business as well as your own. If you focus on just getting 10 stops in a day, you should hit the goals you need and that is just the minimum. For the past 3 1/2 years, I have consistently helped retailers on how to grow their own business with the Acima program, as well as teaching them how to grow their business with out it. Upper Management (CEO, CRO, CPO, COO, Managing partners) always have time to listen to me when I needed any training, had an idea, or just wanted mentorship. They have always kept their word with me, and that is key!!! As for the personal touch, if something happens in your life, Acima is right there for you. I have seen it multiple times and it is an actual family atmosphere that they try to convey to everyone. I hope this review helps you, as I have found the right place to work!!!
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Acima has grown tremendously, this has led to career growth for countless people in the company, including myself. Acima is run by people who care about growing the business the right way. They pay residual commission (uncapped) to all of their sales people and they pay out serious money to their sales teams. It is a fantastic product that fixes a real problem. Without Acima, customers can't buy their merchandise and retailers lose out on sales.! I love working with people that are passionate about their work and that's what makes Acima great!
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I had multiple issues with how Acima does things but I'll try to keep it short. Acima does rent to own leases and their salesmen tended to be dishonest about what the customers are getting into. That's where you'll come in to help them. They will be very angry and you will be very under trained. I only got 2 days of training and then just listened to calls and they pushed me to take calls by the 4th day. The supervisors there are difficult to work with and inconsistent like other reviews have said. I witnessed some really seriously dishonest ideology while working there. Management admitting to knowingly failing to properly notify customers of their plan being cancelled. I've had some that refused to help me for whatever reason. They wrote me up for doing what my supervisor told me to do and when I complained I suddenly had another write up for gossip. They sent out emails about gossip saying they would fire for it. They dont want people talking about how bad it is.
Pros
Free lunch sometimes, giveaways
Cons
Poor management, angry customers and toxic culture.
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