Migliaccio & Rathod LLP is investigating whether Acima Leasing has charged Nebraska rent-to-own customers late fees that exceed the amounts permitted under the state’s Consumer Rental Purchase Agreement Act.
Acima Leasing offers lease-to-own arrangements for merchandise such as furniture, appliances, electronics, and tires through participating retailers. Customers may make weekly, biweekly, or other recurring payments under these agreements.
Nebraska law generally limits late fees under covered consumer rental-purchase agreements requiring payments more frequently than monthly to $3, and prohibits assessing those fees until a payment remains unpaid beyond a three-business-day grace period.
In an August 2026 public response to a consumer complaint, Acima Leasing quoted language from a customer agreement providing for a $5 late fee when a customer making payments more frequently than monthly failed to pay within two business days. The available record does not establish that this particular agreement was used in Nebraska.
Migliaccio & Rathod is investigating whether Acima Leasing has used similar provisions in agreements with Nebraska consumers or assessed late fees exceeding the amounts or timing restrictions permitted under Nebraska law.
Customers May Have Experienced:
- Being charged a $5 late fee on weekly or biweekly payments;
- Having a late fee assessed before the applicable grace period expired;
- Paying repeated late fees during a rent-to-own agreement;
- Receiving late charges that exceeded Nebraska’s statutory limits;
- Having unauthorized fees added to an outstanding lease balance; or
- Difficulty obtaining an explanation of how late fees were calculated.
Potential Claims May Include:
- Assessment of late fees exceeding applicable statutory limits;
- Imposition of late fees before the permitted grace period;
- Improper administration of consumer rental-purchase agreements;
- Breach of applicable contractual obligations; or
- Violations of Nebraska’s Consumer Rental Purchase Agreement Act.
Signs You May Be Affected:
- You live in Nebraska and entered into a rent-to-own agreement with Acima Leasing;
- You leased furniture, appliances, electronics, tires, or other merchandise;
- Your agreement required weekly, biweekly, or other more frequent than monthly payments;
- You were charged a late fee of more than $3;
- You were assessed a late fee before the required grace period expired; or
- You have your rental agreement, payment history, or billing statements showing the fees.
If you believe you experienced this issue, we would like to hear from you. Please complete the contact form on this page, send us an email at [email protected], or give us a call.