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Conn's YES MONEY® Terms


*Subject to credit approval.

*Equal Pay No Interest Cash Option offer is subject to credit approval and terms of Conn’s Retail Installment or Direct Loan Contract. Total cash price and any financed earned insurance charges (Cash Option Price) must be paid not later than 10 days after the 12, 18, or 24-month offer expiration date to avoid finance charges. Prior to payment of the Cash Option Price, minimum monthly payments in the amount scheduled in your contract are required within 10 days of due dates. Payment of minimum monthly payments during the offer term will not be sufficient to pay the Cash Option Price in full. A payment in addition to the cumulative amount paid in monthly installments will be required not later than 10 days after the expiration date of the offer to pay the balance of the Cash Option Price in full by that date. A defaulted installment or failure to pay the balance of the Cash Option Price in full by the expiration date will void the benefits of the offer and require finance charges from the date of purchase. If the offer is voided, all payments made prior to default will be applied to the contract to pay finance charges and other amounts in accordance with the terms of the installment contract. Down payments (up to 20%) may be required based on credit approval criteria and the total amount of merchandise purchased on credit. Ex for 18-month offer: a $2,000 purchase may require a 10% ($200) down payment. To meet the 18-month Cash Option to avoid finance charges, you must pay 18 monthly payments of $111.11 on a $2,000 purchase, if no down payment is required. Ex for 24-month offer: a $2,000 purchase may require a 10% ($200) down payment. To meet the 24-month Cash Option to avoid finance charges, you must pay 24 monthly payments of $83.33 on a $2,000 purchase, if no down payment is required. Refer to your retail installment contract for exact payment schedule for applicable state rates. Purchase APR of 29.99% for NM, AZ, NV, SC and 21% for OK is only charged upon default of Cash Option and is disclosed on the 1st page of the contract. Purchase APR between 21-29.99% for AL, 21-23% in GA, 18-29.99% for TX, 18-24% for LA, 16-36% for CO, 20-21% for TN, 21-24% for MS, and 18-24% for NC as mandated by state law based on the total amount purchased, is only charged upon default of Cash Option or Direct Loan Contract, and is disclosed on the 1st page of the contract. Offer good on non-clearance items. See contract for additional details. May be subject to an administrative fee.