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Improvemint Financial

Improve your home, life-style, and future

Introducing Improvemint Financial, a lease-to-own company with services offered to you exclusively at Conn’s HomePlus. Improvemint Financial enables you to get the goods you want with biweekly payments.

Why Lease-To-Own?

Improvemint financial gives you the option to pay over time while taking home the new appliances, furniture, and electronics you want now! Good credit is not required for our lease to own program. Your home gets the upgrade it needs, and each payment brings you closer to ownership.

No Credit Needed1

Imperfect credit? No credit? Improvemint Financial is the payment solution for you with terms up to 24 months.

No Long-term Commitment2

Return your product at any time without paying additional cost, fee, or penalty.

Early Purchase Options

Save money with our 30, 60, 90, and 120-day early purchase options and take ownership of your products earlier.

Next day delivery3

Need it now? Next day delivery available on qualifying purchases.

Prequalify in Minutes1

The process only takes a few minutes for your prequalification decision.

How Lease-To-Own Works

Shop And Apply In Store

Find the things you need to make your home even better

Schedule Your Delivery

Your sales associates will help you set up a date for delivery

Make Your Payments

With three easy ways to pay, pick the option that works best for you. Automatic Payments, Pay in Store, Pay by phone.

Stop in store and browse through some of the world’s best brands.

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  • Who is Improvemint Financial?

    Improvemint Financial, an affiliate of Conn’s HomePlus, is a provider of lease-to-own payment options transacted by agreement as either a rental-purchase agreement or a lease agreement with an option to purchase: dependent upon the state where the customer completes their transaction.

  • What can I lease with Improvemint Financial?

    New merchandise, not used, for sale in store by Conn’s HomePlus. Exclusions may include, but not limited to, flooring, carpets, outdoor turf, countertops, water filters sold separately, and components to repair appliances and/or electronics. Improvemint Financial reserves the right to modify leaseable merchandise at any time.

  • What do I need to start a lease with Improvemint Financial?

    - At least 18 years of age
    - A valid phone number or a valid photo ID
    - A current Social Security Number (SSN)

  • How do I prequalify?

    Visit a Conn’s HomePlus store today to begin your prequalification.

  • How do I make a payment?

    Improvemint Financial offers convenient ways to make a payment:
    - Make the required initial payment on your mobile device by card or by cash at your local Conn’s HomePlus store at the time of initiating the lease-to-own agreement;
    - Set up autopayments from your mobile device at the time of initiating the lease-to-own agreement while at your local Conn’s HomePlus store;
    - Pay by phone, 833-607-0876, by speaking with an Improvemint Financial customer service representative from Monday thru Friday 8 am - 5 pm (CST)

  • What methods of payment do you accept?

    Payments can be made with a checking account, debit card or credit card.

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Improvemint Financial Privacy Policy

Terms and Conditions

The transaction advertised is a consumer rental-purchase agreement or lease agreement with an option to purchase depending on the state where the transaction is completed. Returning the merchandise will terminate the agreement with no penalty; past due amounts or pickup fees may be owed. The lessee will not own the merchandise until the total amount to acquire ownership is paid either by exercising an early purchase option or by paying the total of payments over the full term of the agreement. Acquiring ownership by leasing costs more than the retail cash price. The scheduled payments may be weekly, bi-weekly, semi-monthly, or monthly depending on our underwriting criteria. Not all merchandise may be leasable. Terms and conditions subject to change at any time without prior disclosure or notice. See store for details. New RTO, LLC, d/b/a Improvemint Financial, is an affiliate of Conn Appliances, Inc.

  1. Subject to approval and standard underwriting criteria. Approval is possible without a credit score, but credit will be checked. Approval is not guaranteed, and verification of identity is required. This is not a credit transaction.
  2. You may terminate this Agreement without paying additional cost, fee, or penalty to us at the end of any rental period by returning the Merchandise. See your rental purchase agreement or lease agreement with option to purchase for further details.
  3. Delivery restrictions may apply.