All Financing Options Cleo's Offers

Shopping for new furniture should be fun. Maybe you're moving into your first apartment, updating your living room, or finally replacing that old mattress. Either way, new furniture helps a house feel like home.

We also know that paying for a whole room at once isn't always easy. A new sofa, a bedroom set, and a dining table can add up fast. That's okay. It's why Cleo's Furniture offers several financing and lease-to-own options that let you bring furniture home now and pay over time.

We believe everyone deserves a home they love. This guide explains each payment option in plain terms, so you can pick the one that fits your budget.

Why Finance Your Furniture at Cleo's?

Financing is a smart way to make a big purchase easier to handle. Here's why many of our customers choose it:

• Spread out your payments. Skip the large one-time bill and pay smaller amounts each month.

• Stick to your budget. A set payment is easier to plan for than a big lump sum.

• Keep your savings safe. You don't have to empty your emergency fund to buy a new couch.

• Get what you need now. No need to wait months or settle for something you don't love.

• Build credit. With credit-based plans like Synchrony, on-time payments can help your credit over time.

• Use special promotions. Some plans offer no interest if you pay in full during the promo period.

Financing also pairs well with our current deals. When you combine a sale price with a flexible plan, your money goes even further. For more ways to stretch your dollar, check out our guide to affordable family furniture for every budget.

Our 4 Financing and Leasing Partners

Cleo's works with four trusted providers:

1. Synchrony Financial

2. Snap Finance

3. Acima Leasing

4. Progressive Leasing

Each one works a little differently. Some use your credit history. Others are made for shoppers with little or no credit. Here's a closer look at each.

Synchrony Financial: Best for Shoppers With Good Credit

Synchrony Financial is a traditional credit card plan. It's a great choice if you have good credit and want to avoid paying interest.

With a Synchrony HOME Credit Card, you may qualify for no interest if you pay your purchase in full during the promo period. Current Synchrony offers at Cleo's include:

• 6 months no interest if paid in full, on purchases under $500

• 12 months no interest if paid in full, on purchases from $500 to $3,599.99

• 36 equal monthly payments with no interest, on purchases from $3,600 to $5,999.99

• 60 equal monthly payments with no interest, on purchases of $6,000 or more

There's no promotional fee on these offers. All offers need credit approval, and minimum monthly payments are required.

Important: On the 6- and 12-month plans, interest is charged from the purchase date if you don't pay the full balance by the end of the promo period. Set up a payment plan that clears the balance in time, and you'll pay no interest.

Synchrony works well for larger purchases, like a full bedroom set or a roomy sectional.

Snap Finance: Best for Building or Rebuilding Credit

Is your credit score not where you'd like it to be? Or are you just getting started? Snap Finance may be the right fit. Snap doesn't rely on a traditional credit score, so it's open to many shoppers who might not qualify for a credit card.

Benefits of Snap Finance include:

• No credit needed

• Quick application with a decision in seconds

• Approvals typically range from $300 to $5,000

• A 100-Day Option that lowers your total cost if you pay in full within 100 days

Snap is a good choice if you need to replace a worn-out sofa fast or furnish a new place. Setting up your first home? Our tips on smart furniture picks for apartments and condos can help you choose pieces that fit.

Acima Leasing: Best for Flexible, No-Credit-Needed Payments

Acima Leasing is a lease-to-own option. You lease your furniture, make regular payments, and own it at the end of the lease. No credit history is needed to apply.

Why customers like Acima:

• No credit score required

• Monthly or bi-weekly payments to match your paycheck

• Early purchase options that can save you money

• Apply online, on the mobile app, or in-store

Acima is great for families, young adults, and anyone who wants a simple payment plan. If you want to own your furniture over time and have the choice to pay it off early, Acima is worth a look.

Progressive Leasing: Best for Low Upfront Costs

Progressive Leasing is another lease-to-own option. It's made for shoppers who want a low first payment and a flexible schedule.

Highlights of Progressive Leasing:

• Low initial payment to get started

• Easy, recurring payments

• Ownership at the end of the lease

• No traditional credit required

Progressive is a good option if you want to enjoy your furniture now and pay in a way that fits your schedule. It's available on select items at participating locations.

Financing vs. Leasing: What's the Difference?

It helps to know how these two types of plans work before you choose.

Financing (Synchrony) is a loan or line of credit. You own the furniture right away and pay back the balance over time. If you pay on time and within the promo period, you may pay no interest at all.

Lease-to-own (Snap, Acima, and Progressive) means the leasing company owns the furniture until you finish your payments. You get to use it the whole time. Once your lease is complete, or you use an early purchase option, it's yours.

Leasing is easier to qualify for, but it usually costs more than paying the cash price. The best way to save with a lease is to pay it off early.

How to Choose the Right Plan for You

Still not sure which plan fits? Ask yourself these questions:

• How's my credit? If it's good, start with Synchrony for the chance at no interest. If it's limited or needs work, look at Snap, Acima, or Progressive.

• How much am I spending? Bigger purchases often qualify for longer Synchrony plans. Snap approvals usually top out around $5,000.

• Can I pay it off early? If yes, Snap's 100-Day Option or Acima's early purchase savings can cut your cost.

• When do I get paid? Acima's bi-weekly payments can line up with your paycheck.

Our team is always glad to help you compare your choices. We'll explain each plan in simple terms and help you apply for the one that matches your needs.

Tips for Using Furniture Financing Wisely

A payment plan is a helpful tool when used well. Keep these tips in mind:

1. Set a budget first. Decide what monthly payment feels comfortable before you shop.

2. Read the terms. Know your promo end date, payment amount, and any fees.

3. Set up autopay. On-time payments protect your credit and help you avoid late fees.

4. Pay extra when you can. Paying more than the minimum helps you finish sooner and save.

5. Buy pieces that last. Quality furniture is worth financing because you'll use it for years. Learn more in our post on quality furniture at affordable prices.

What Can You Finance? A Few Favorites

Financing makes it easier to bring home the bigger pieces you've had your eye on. Here are a few customer favorites at Cleo's right now:

• Titan Leather 6-Piece Immersive Audio Sectional: A true home theater seat. It has top-grain leather, three power zero-gravity recliners, built-in Bluetooth speakers, a wireless charger, and LED lighting underneath. It's a great example of a larger purchase that could qualify for a longer Synchrony plan.

• Harmony Walnut Queen Upholstered Storage Bed: This bed has built-in drawers under the frame and a padded headboard with soft LED lighting. It's stylish and helps keep your bedroom tidy.

• Beautyrest Dream Series 1 Medium Queen Mattress: This hybrid mattress combines pocketed coils with memory foam. Its medium feel works for back, side, and stomach sleepers.

• Marley Dining Table: A wood tabletop with a clean white base gives this table a light, fresh look. It has plenty of room for family dinners.

We're Here to Help Every Step of the Way

With 15 Cleo's Furniture locations across Arkansas, help is never far away. We have stores in Benton, Conway, Fayetteville, Fort Smith, Hot Springs, Jacksonville, Jonesboro, Little Rock, Pine Bluff, Russellville, Searcy, Sherwood, Springdale, and Texarkana.

Our team is friendly, local, and ready to help, whether you shop in person or start online. Want to know why so many Arkansans choose us? Read about how local service beats the national chains.

Find the Perfect Furniture Without the Stress

From cozy sectionals and power recliners to stylish bedroom sets and dining tables, Cleo's has everything you need to complete your home. Need a better night's sleep? Visit our Sleep Shop or read our guide to find the best mattress for you.

Plus, much of our furniture is in stock and ready to go. Find out why buying in-stock furniture beats waiting weeks for delivery.

Visit Cleo's Furniture Today

Ready to shop? Stop by your nearest Cleo's Furniture or contact us with any questions. We'll help you find the right furniture and the right payment plan.