With Interest Free Credit You Can Own the Luxury Furniture You Dreamed of Today!

Buying furniture is an exciting time; you have a new home and you want to put your own signature on it. Choosing the right furniture is a huge part of this, as it will set the tone and character of your house for years to come. Furniture can be a big investment, especially if you want to add some luxury furniture pieces to your rooms. Investing in good quality furniture is a sensible step as it can last for twenty years or more, and still look brand new.

However, it can be expensive, especially if it is well crafted bespoke or exclusive furniture. Not many people can afford to buy a luxurious antique French bedroom set with cash, but don’t worry, there are so many finance options available today and there is one to suit you.

Many banks, stores and online shops offer interest free credit for purchases over a certain amount. If you can get an interest free loan that’s the best way to go as you will not be forking out hefty interest charges.

Interest free credit is available in different forms, it’s important to understand the differences and find the right type for you.

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Homes Direct 365 Furniture Interest Free Credit

Interest free credit cards

Many banks offer an interest free credit card for a fixed period, the idea is to tempt you into signing up with that particular lender and staying with them once the interest free period is over. After this period an interest fee will be charged on any unpaid credit. However, this type of card helps you finance luxury furniture over a number of months or even years.

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Balance Transfers

Many lenders will offer you an interest free period on a new credit card if you transfer an old debit balance over to them, but once again if you have an outstanding balance when the interest free period is over you will be charged interest.

Bank loan

It’s worth checking in with your bank to see if they will give you a loan. It’s unlikely to be zero % interest but it may be much lower than a credit card or other finance type. It may be difficult to finance furniture on a bank loan, unless you are buying quite a large amount for home improvement.

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Layaway

This is an excellent type of zero % finance, however as furniture is a large item most stores will not be able to hold it for you until you have paid for it. You may also have to pay a deposit and if you decide not to purchase there may be cancellation fees.

In Store Credit

There are more and more retailers offering zero percent purchase plans today, especially luxury furniture stores. This is a type of interest free credit over a set period, usually around three to four years. This type of credit offers the customer a fixed number of payments, after which the balance will have been paid in full. There is no danger of still owing a large balance when the term is up, as you cannot add more ‘spending’ to this type of plan.

This is definitely a good option if you just want to borrow money to finance the purchase of an elegant bed set or bespoke sofa. There will be a contract to fill in and sign, and you must make sure you read this and understand it. By taking out finance you are borrowing money that you promise to pay back. If you miss a payment there may be penalties.

Many online retailers have very handy little finance calculators so you can work out how much you’ll pay monthly.

If you are here just to use our finance & get your items today then visit the link below

Homes Direct 365 Furniture Interest Free Credit

How does it work?

If you decide to finance new furniture you will have to apply for the interest free credit in store, online or on the phone. The application for payment plans are usually very straightforward, but will require some details such as your name, address and employment. Some retailers require more information than others. These details are then sent to the credit partner who will decide whether to issue the finance or not.

There are a few retailers who are happy to give you the finance with no credit check; you would need to ask individual stores about this option. Online stores have easy finance application forms with e-signatures so you do not have to travel anywhere. Many stores offer this as low cost way to finance furniture with zero deposit from the customer.

Signing up for interest free credit to buy that wonderful furniture may be a great way to afford something special for your home, but make sure you read all the information and be sure you can afford to pay back the loan each month.

Once you are sure the payment plan is right for you, go out and chose the amazing furniture you deserve and enjoy it to the full.

Enough of all the bankers talk lets get you looking at some of our furniture

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Interest Free Credit / Finance for Luxury Furniture is republished from HomesDirect365