FINANCING OPTIONS

Flexible Payment Solutions at Club Smart Store

At Club Smart Store, we make it easy to get what you need today and pay over time.
We partner with trusted financing providers to offer flexible plans designed to fit different budgets and credit situations.

Whether you prefer traditional monthly payments or lease-to-own options, we have a solution for you.

---

➤ AFFIRM

Buy Now. Pay Over Time.

Affirm lets you split your purchase into predictable monthly payments — with no hidden fees and no surprises.

Key Benefits

• Transparent terms

• Fixed monthly payments

• No late fees

• Fast real-time approval

How It Works

1. Select Affirm at checkout

2. Receive a real-time approval decision

3. Choose your payment schedule

4. Pay monthly over time

Requirements

• Valid government-issued ID

• Social Security Number

• Checking account or debit card

Important Information

• Subject to eligibility and approval

• Terms vary based on credit profile

Learn more: affirm.com

---

➤ PROGRESSIVE LEASING

No Credit Needed – Lease-to-Own

Progressive Leasing is ideal for customers who may not qualify for traditional financing.

Key Benefits

• No credit required

• Instant decision

• Take your merchandise home today

• Early purchase options available

How It Works

1. Apply online or in-store

2. Get an instant decision

3. Complete your lease agreement

4. Take your items home the same day

Requirements

• Valid ID

• Social Security Number

• Proof of income

• Active checking account

Important Information

• This is a lease-to-own agreement, not traditional credit

• Approval is not guaranteed

Learn more: progleasing.com

---

➤ KOALAFI

Flexible Lease-to-Own Financing

Koalafi provides simple and accessible lease-to-own solutions for furniture, electronics, appliances, and more.

Key Benefits

• Quick online application

• Instant approval decisions

• Flexible payment options

• Early purchase opportunities

How It Works

1. Apply in minutes

2. Receive instant decision

3. Choose your payment plan

4. Pay over time

Requirements

• Valid ID

• Social Security Number

• Proof of income

Important Information

• Approval is subject to application review

• Terms vary based on eligibility

Learn more: koalafi.com

---

➤ KLARNA

Pay in 4 or Finance Over Time

Klarna offers flexible short-term and extended payment options.

Payment Options

• Pay in 4 (4 interest-free payments)

• Pay in 30 Days

• Monthly Financing

How It Works

1. Choose Klarna at checkout

2. Select your preferred payment option

3. Complete your purchase

4. Enjoy your items immediately

Important Information

• Approval is based on Klarna’s assessment

• Terms vary by customer

Learn more: klarna.com

---

Which Option Is Right for You?