Cheetah Girl clawing onto the pages of Playboy?

Adrienne Bailon is at a crossroads. On the one hand, the Cheetah Girls franchise that is backed by Disney has been doing great for her. On the other hand, her near-nude pics that were leaked on the 'Net earlier this week have gotten her a pretty lucrative offer -- from the King of Nakedness himself, Hugh Hefner.

The Hef has offered the Cheetah Girl $100,000 to bare all in an upcoming issue of Playboy, and he promises her "stylish photos with full nudity in a sufficient quality and quantity."

You KNOW that every man on the face of the earth (and some women as well) are praying that she accepts the offer. You'd be silly not too -- did you see her body?!