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*includes electronics $999 and up, and furniture and mattress purchases $999 and up. See Credit Terms.

*Subject to credit approval.

Equal Pay No Interest Cash Option offer is subject to credit approval and terms of Conn’s Retail Installment Contract. Total cash price and any financed earned insurance charges (Cash Option Price) must be paid no later than 10 days after the 18 or 24-month offer expiration date to avoid all 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. Finance charges will be rebated as a credit to the balance of the installment contract on a monthly basis if installment payments are timely made. Completion of installment payments to pay the Cash Option Price within the offer period will result in no finance charges. A defaulted installment will void the benefits of the offer and require repayment in accordance with the terms of the installment contract, but customer will still receive the benefit of any rebated monthly finance charges received prior to the defaulted installment. 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 27.99% for NM, AZ, NV, 25.99% for 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 18-21% 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, and is disclosed on the 1st page of the contract. Offer good on non-clearance items. See contract for additional details. Offer ends 05/25/15.

How it works

  1. Click Apply for My YES MONEY® above
    Apply today with our simple and secure online application.
  2. Get Approved - Usually within minutes
    You will receive your approval via email.
  3. Start Shopping with YES MONEY®
    Use your credit to get all the things your family deserves.
What is Conn's 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.

What are the benefits of Conn's YES MONEY?
  1. Access to 0% APR* (no interest) on select, qualifying purchases
  2. Build your credit history – Your monthly payment is reported by Conn's to three major credit bureaus. When you pay on time, you can build your credit history.
  3. Keep your account current to earn credit limit increases and promotional offers - With Conn's YES MONEY, you will be eligible for consideration of 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 items you wish to purchase.
  4. Flexible payment options – We offer a wide variety of options to make it as easy as possible to buy from Conn's. Visit or call 855-354-8840 to learn more.
What kinds of promotional offers am I eligible for with Conn's YES MONEY?

With Conn's YES MONEY, you may be eligible for 0% APR (no interest) for 12 months on select purchases. Items that qualify change monthly depending on store promotions. See store for details.

Will YES MONEY help or hurt my credit score?

YES MONEY can help you build credit and improve your credit score when you manage your account responsibly and make each monthly payment on time.

What happens if I miss a payment?

If you miss a payment, you will immediately lose the 0% APR* special financing offer. Your account will go back to the regular terms and conditions found in your Conn's Retail Installment Contract and you will be charged retroactive interest starting from the date of purchase.

Is the online YES MONEY application safe and secure?

Conn's maintains a secure server certificate to prevent unauthorized access, maintain data accuracy, and ensure the correct use of information. Our commitment to credit safety means you can get the financing you want without the worry.

What if I've been declined for credit elsewhere?

Even if you've been turned down for credit elsewhere, Conn's lets you say “yes” to the financing you deserve*. Although approval for YES MONEY is subject to a credit check, you can get approved in just a few minutes.

How do I apply?

You can apply for YES MONEY by clicking "Apply for MY YES MONEY" above, by calling 1(855) 354-8840, or in a Conn's HomePlus® store.

If you have additional questions about Conn's YES MONEY financing, you can call one of our credit professionals at 1(855) 354-8840.

*subject to credit approval