Pay over time at Simple Home Plus

Simple Home Plus sells living room, bedroom and dining furniture and mattresses from its Cape Girardeau, MO showroom. We confirmed Kafene and American First Finance here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Lease-to-own

Kafene

Cost
More than cash price
Credit check
No score impact

Checked Nov 11, 2026 The store’s website says it offers Kafene

Store offer, minimum and plan lengths are from Simple Home Plus’s website. Cost and credit check are Kafene’s general terms.

All Kafene stores and terms

Lease-to-own

American First Finance

Cost
Up to 2x cash price or more
Credit check
Soft and hard

Checked Nov 11, 2026 The store’s website says it offers American First Finance

Store offer, minimum and plan lengths are from Simple Home Plus’s website. Cost and credit check are American First Finance’s general terms.

All American First Finance stores and terms

What leasing could cost

Example: Cadmori - Five Drawer Wide Chest - Two-Tone at $602.49 (price on Nov 11, 2026).

Leasing with Kafene costs more than the $602.49 cash price over the full lease. Paying off within 90 days costs the least.

Lease-to-own is not a loan. Your payments, fees and early purchase price are set in your lease agreement, so read it before you sign.

How to pay over time at Simple Home Plus

  1. Add what you want to your cart on simplehomeplus.com.
  2. At checkout or on the store’s financing page, choose Kafene or American First Finance.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about Simple Home Plus financing

Does Simple Home Plus offer financing?

Yes. We confirmed Kafene and American First Finance at Simple Home Plus on Nov 11, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at Simple Home Plus affect my credit score?

Kafene says applying won't affect your credit score.

Can I use Kafene in a Simple Home Plus store?

We checked online shopping at Simple Home Plus only. If the store has physical locations, ask there whether financing is available.

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