All Financing Options Cleo’s Offers

Shopping for new furniture is an exciting way to refresh your home. Whether moving into your first apartment, upgrading your living room, or turning your house into a cozy space for your family, furniture helps make a house feel like home.

But we also know that buying furniture can come with financial stress. Not everyone can afford to pay for a full living room set or a new bedroom group all at once, and that’s completely okay. That’s precisely why Cleo’s Furniture offers multiple financing and leasing options that help you shop confidently and comfortably.

At Cleo’s, we believe everyone deserves to have a home they love, filled with comfortable, stylish, and built-to-last furniture. With our flexible payment plans, you don’t have to wait or settle; you can bring it home now and pay over time.

Why Finance at Cleo’s Furniture?

Financing is a smart option that helps make your dream furniture more affordable and achievable. Here are a few reasons why so many of our customers choose to finance:

🗓️ Spread out your payments: Avoid a large one-time payment and break the cost into manageable monthly amounts.
💳 Stick to your budget: Financing helps you stay on track without draining your savings.
🏡 Get what you want now: There is no need to delay or compromise; you can take home the furniture you need today.
🧾 Build or improve credit: For traditional credit-based financing, making on-time payments can help strengthen your credit over time.
💰 Take advantage of special promotions: Many of our plans offer 0% interest when paid in full within the promotional period.

At Cleo’s, we proudly partner with four trusted financing and leasing providers. Whether you have excellent credit, no credit, or are looking for rent-to-own options, we have something that works for everyone.

Financing Options We Offer

🔹 Synchrony Financial

Synchrony Financial is a traditional credit-based option perfect for shoppers with good credit who want the flexibility of promotional interest-free plans.

With a Synchrony HOME Credit Card, you may qualify for no interest if your purchase is paid in full during the promotional period. That means you can bring home high-quality furniture today and pay it off over time, without paying extra interest.

Current promotional offers through Synchrony at Cleo’s include:

✅ 12 months no interest on purchases between $500 and $3,599.99
✅ 36 months equal monthly payments on purchases between $3,600 and $5,999.99
✅ 60 months equal monthly payments on purchases of $6,000 or more

There is no promotional fee on any of these offers. Minimum monthly payments are required; all offers are subject to credit approval. If you’d like to apply, visit any Cleo’s Furniture location, and a team member will be happy to help walk you through the process.

🔹 Snap Finance

If your credit score isn’t where you want it to be or you’re just starting, Snap Finance may be the right fit. Snap offers no-credit-needed financing, making it an excellent option for many shoppers who might not qualify for traditional credit.

Benefits of Snap Finance include:

🧾 No credit check required
👍 High approval rate (up to 80%)
💰 100-day cash payoff option
🕐 Fast, easy online application

Snap Finance is ideal for those wanting more flexibility or building their credit. Whether replacing a worn-out sofa or furnishing a new apartment, Snap makes bringing your new pieces home simple.

🔹 Acima Leasing

Acima Leasing is another no-credit-needed lease-to-own option. It offers convenient payment plans that let you lease and own your furniture over time. With Acima, there’s no hard credit check, and you’ll know your approval status quickly.

Why customers love Acima:

🏡 No credit score required
💸 Flexible payments (monthly or bi-weekly)
🔁 Early purchase savings available
✔️ High approval odds

Acima is excellent for families, young adults starting out, or anyone who needs an affordable, no-hassle payment plan for high-quality furniture. If you want to own your furniture over time with the option to pay it off early, Acima may be the perfect choice.

🔹 Progressive Leasing

Do you prefer a rent-to-own option that offers low initial payments and flexibility? Progressive Leasing is designed for that. It allows you to lease and own your furniture later, with no long-term commitment required upfront.

Highlights of Progressive Leasing:

✅ Low initial payment to get started
🗓️ Easy, recurring payment structure
📆 Ownership at the end of lease
❌ No credit required

Progressive Leasing works exceptionally well for customers who want to enjoy their new furniture now while paying in a way that fits their schedule and finances. It’s a trusted and flexible option available on various furniture pieces.

We’re Here to Help You Every Step of the Way

With 15 Cleo’s Furniture locations across Arkansas, getting the help you need is always convenient. Our team members are friendly, knowledgeable, and ready to guide you through your financing and furniture options, whether shopping in person or starting your journey online.

Are you unsure which financing provider is right for you? We’ll explain each plan in simple terms and help you apply for the one that matches your needs and comfort level.

Find the Perfect Furniture Without the Stress

From cozy sectionals and power recliners to stylish bedroom sets and elegant dining tables, Cleo’s Furniture has everything you need to complete your home. And now, with our flexible financing and lease-to-own options, you can finally bring home the pieces you’ve been dreaming of without putting off the purchase or draining your wallet.

Visit Cleo’s Furniture Today

Ready to shop? Stop by your nearest Cleo’s Furniture, and let’s help you find your perfect piece and payment plan.

Cleo’s Furniture – Helping You Get the Furniture You Deserve. Now with More Ways to Save.