*Subject to credit approval. On appliances $799 and up, electronics $999 and up, and furniture and mattress purchases $999 and up. See Credit Terms.
*Subject to credit approval.
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-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 (ranging from 5% to 10%) may be required based on credit approval criteria and the total amount of merchandise purchased on credit.
Example: a $2,000 purchase may require a 10% ($200) down payment. Representative Example of Repayment Terms: To meet the 12-month Cash Option in equal monthly installments to avoid finance charges on an assumed Cash Option Price of $2,000, the contract would require 24 monthly payments of $105.75, but if you pay only the minimum payments you would not pay the Cash Option Price by the expiration date and would not avoid finance charges. To meet the 12-month Cash Option in equal monthly installments to avoid finance charges on an assumed Cash Option Price of $2,000, you would have to pay 12 monthly payments of $166.67. Alternatively, you could make the minimum monthly payment required by the contract during the 12-month cash option period ($105.75 per month in this example), and pay an extra $731 by the Cash Option expiration date to avoid all finance charges (refer to your retail installment contract for exact payment schedule for applicable state rates).
Finance charges will be owed at a Purchase APR of 29.99% in AZ, NM and NV, 29.99% in SC and 21% in OK if you default during the Cash Option period or do not repay the Cash Option Price in full before expiration of the Cash Option. The APR is disclosed on the 1st page of the contract.
Finance charges will be owed at a Purchase APR between 18%-29.99% in TX, 18%-24% in LA, 16%-36% in CO, 20%-21% in TN, 21%-24% in MS, 18%-24% in NC, 21%-29.99% in AL, and 21%-23% in GA, as mandated by state law based on the total amount purchased if you default during the Cash Option period or do not repay the Cash Option Price in full before expiration of the Cash Option. The APR is disclosed on the 1st page of the contract. See contract for additional details. Offer ends 10/29/2016. .
Please note: Customers are required to have Property Insurance covering the products they purchase from Conn’s and are financed by Conn’s. Customers can purchase Credit Property Insurance offered by Conn’s OR provide proof of homeowners/renters insurance at the time of purchase.
See www.conns.com/property-insurance for complete details or ask a Conn’s sales associate for additional information.
How it works
Click Apply for My YES MONEY® above Apply today with our simple and secure online application.
Get Approved - Usually within minutes You will receive your approval via email.
Start Shopping with YES MONEY® Use your credit to get all the things your family deserves.
Visit our Conn's YES MONEY® FAQs to learn more about how you can get financed with good, bad or even no credit.
I have bought many items from Conn's and have never been disappointed. This application is so simple, quick and easy, and approved in minutes.I highly recommend Conn's and will continue to buy my big home items with Conn's.
Thanks again Conn's you're the best!!
Dee G, Lafayette, LA
Quick and Easy
I thought that this was such a great application one of the easiest I've had to fill. I can't wait to get to put it to use and start building my credit!
jd013, Houston, TX
What is YES MONEY:
YES MONEY® is Conn's exclusive in-store financing that makes it fast and easy to get financed. Whether you have good credit, bad credit or even no credit, we say "yes" even when other stores say no.* In fact, we've said "yes" to more than 5 million people! Are you next?
Visit our Conn's YES MONEY® FAQs to learn more about how you can get financed with good credit, bad credit or even no credit.
Benefits of YES MONEY:
- Low monthly payments you can afford
- Apply and get approved in minutes*
- Access to 0% APR offers on select, qualifying purchases
- Keep your account current & earn credit limit increases and promotional financing offers
With Conn's YES MONEY, you'll be eligible for a credit limit increase after only six months, as long as you make your monthly payments on time. Credit line increases may also come with special promotional offers for other products you may want for your home.*
- Flexible payment options: online, by phone, by mail or in the store
We offer a wide variety of options to make it as simple as possible to buy from Conn's and easily keep up with payments.
- YES MONEY® payments reported monthly to three major credit bureaus
*Subject to credit approval