Smulekoff's, the home furnishings leader in Cedar Rapids, offers a flexible group of credit terms, including everyday interest-free terms and budget plans that can be customized to meet your needs.  Click on the finance terms link on the left to view details of our offerings.   

Unlike many retailers, Smulekoff's issued credit privately for over 100 years.  When you finance with us your information is not sold to a second party.  It stays at our store in Cedar Rapids, IA.  Your payments are handled in our store.  Finance associates are right here and available to help you with your credit 7 days a week.  

We are often able to assist people who have blemishes on their credit record and may not be eligible for financing at many other stores.

Perfect or less than perfect credit - we can tailor a finance package, including payment protection, most suitable for your financial needs.

Smulekoff's has more than 23,000 items for the home in our 3 acre showroom everyday.  Occasionally, we don't have the item you are looking for in stock.  When this happens, we are happy to custom order from any of our manufacturers, with a minimum of 25% down and approved credit.

Please download, fill out and fax our credit application to (319) 362-2180.  Or mail it to: Smulekoff's, PO Box 74090, Cedar Rapids, IA 52407.  Our finance associates will contact you with your available credit limit within 24 hours of receipt.  This will save you time when purchasing the perfect home or office furnishing, accessory, floor covering, television or gift.

Call 362-2181 with your questions or to make payments by phone.  Automatic payments (ACH) may also be set up.  

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We accept VISA, MC and Discover.  Gift certificates in any amount are available.  We also participate in many of the local area school script programs.