Archive for Home Furniture

Bedroom Furniture on Credit

A bedroom without furniture could not be complete and could not be a place that could provide rest and no relaxation could be found in such a place. It is therefore imperative that you get the right furniture that fits well and blends with the colours and the intended theme. Normally, furniture is expensive and finding the right bedroom furniture could be a tough task. When found, it comes with a high cost which makes it more difficult to own. This means that the only solution is getting a loan or acquire on credit. Loans and ordinary credit will have very high interest rates and it is advisable that you go for a pay monthly bedroom furniture deal. These deals will be available mainly from major catalogues.

Major catalogues in UK will be among others Woolworths, Oak Furniture Land, Furniture, IsMe and Marisota though this is not the end of the list. In our world today, internet shopping is more convenient and makes shopping more fun and in line with this, these catalogues have online stores. From these stores you can have a complete transaction from your desktop with clicks only. It is therefore important that you check the sales terms and conditions and also the interest rates among other catalogues. For credit however, you will be required to have a personal account with the catalogue of choice. Where you don’t have one, a credit check and simple application process will see you qualify for credit.

The main advantage associated with buy now pay later bedroom furniture plans or any other credit plan in this line is that you have your cash freed up to facilitate other purchases while you are not require to pay anything despite making use of your bedroom furniture. In addition, you have the liberty of choosing how you want to pay in that your payment is spread over a period most affordable to you.

Wardrobes on Finance

A dressing room is never complete without a wardrobe in which you will have the clothes to choose from. Where clothes could be packed in bags or suit cases, it would be a mammoth task getting them every other morning or when dressing up. This brings about the importance of a wardrobe in the dressing room. It is also common that bedroom furniture is not any jacks buy because they come with a high price, especially the fine ones. This does not mean that you get late looking for what to wear which can take a good part of your morning because you can get a wardrobe on credit. Wardrobe buy now pay later credit plans will very conveniently fit in when you decide to go for one.

Buy now pay later wardrobe plans can be found in UK’s leading catalogues dealing with bedroom furniture and they will offer credit on wardrobes after you identify the best that suits you. These catalogues are in the range of Woolworths, IsMe, Julipa Freemans and Littlewoods to name a few. The catalogues will have varying credit facilities but almost all of them will have an interest free credit holiday and spread your payments to a period most suitable for you. The only part of the deal which might sound unpleasant is that you have to be subjected to a credit check.

After deciding on the catalogues to buy from, this can be done by comparing them from the online stores, you must be informed that some will require you to have an account with them. Where you are new with the catalogue, opening up an account will be a simple process and take a short time. Buy now pay later wardrobe credit deals are very good because where saving up for a good quality is not tenable, this plan assures you to have the wardrobe while you pay at your own pace.

Sofas on Finance- Catalogue Review

If your old, ratty sofa is full of holes and falling apart, it’s probably time to buy a new one! However, purchasing a new sofa or loveseat may seem like a monumental task when money is tight. Luckily, there are options available to you even if you can’t pull together the necessary cash to buy a new sofa.

Consider buying your new sofa on credit. Buying on credit, or using financing, means that you pay very little or in some cases none of the purchase price up front. Instead, the retailer you are purchasing the sofa from extends you credit, meaning that you sign a contract or similar agreement to pay back the amount you owe over a period of time, ranging from a few months to a few years in most cases. To make this worthwhile for the retailer, it charges you interest or a financing charge. The rate of interest, which is generally expressed as a percentage, is the percentage of the purchase price that the store adds to the actual purchase price in exchange for the convenience of spreading out the payments over a period of time. Essentially, you are borrowing money from the retailer to pay for the sofa and then paying that money back with interest over the length of the financing agreement.

If you want to buy a new couch on credit but are worried because you have a less-than stellar credit history, you can still try for a regular store financing offer, as they are often less strict about credit histories than major credit cards. Another popular option is to buy your new sofa or loveseat using the buy now, pay later option offered by many catalogues in the UK.

Catalogue retailers such as Very, Littlewoods and K&Co. offer a wide variety of sofa options on the online versions of their catalogues. Littlewoods, for example, lists over 200 models of sofa on its online catalog site, ranging in price from under £300 to more than £2000. You can search each different catalog site for the type of sofa you want in the upholstery you prefer, then take advantage of the catalog’s buy now, pay later option when checking out.

Buy now, pay later offers vary from catalogue to catalogue, but generally offer at least one month interest free. Many catalogues offer as much as 12 months interest free. Most programs have a minimum purchase requirement, which can be as low as £50. Given the price associated with a large piece of furniture like a sofa, reaching the minimum shouldn’t be a problem.

If you do not pay back the entire purchase price of the item during the interest-free period, be aware that the interest rates that catalogs charge for financing items such as sofas are fairly high — more than 30% in some cases. Missing payments will harm your credit score, so before you agree to a buy now, pay later program make sure that you are not purchasing more than you can afford.

Furniture on Finance

So you’re interested in a little bit of redecorating but you won’t be able to pay for anything until your next paycheck. That might have stopped people in the past but nowadays there are options you should know about. One of those options is buying furniture on credit, also known as buying with financing.

When you buy furniture on credit, you don’t need to have all the money to pay for your furniture up front. Instead, you receive the item at the time of purchase but pay little or none of the purchase price. Instead, the retailer or catalogue from which you purchase the furniture charges you interest or a financing charge. This is a flat amount or percentage of the balance added on the monthly payment that you make on the balance of the purchase price. This is often helpful for large purchases such as furniture, because it allows you to break up the cost over a longer period of time.

Buying furniture on credit often requires good credit, as many retailers will not approve financing for people with low credit scores. However, store credit can be easier to obtain than major credit cards. “Buy now, pay later” catalogs also offer credit to customers looking to purchase furniture. Here are some of the better-known catalogue groups in the UK offering buy now, pay later services.

Shop Direct Catalogues

  1. Very
  2. K & Co
  3. Isme
  4. Littlewoods

JD Williams Catalogues

  1. JD Williams
  2. Fashion World
  3. Simply Be
  4. Premier Man

All of these catalogues offer furniture in addition to electronics, fashion items and other home accessories. Many have a minimum purchase amount to qualify for their buy now, pay later service, but the amounts are usually much lower than the cost of major furniture items. K&Co, for example, has a minimum purchase amount of £50 for financed purchases. Littlewoods, another popular catalogue, also has a minimum of £50.

These catalogues, which are available online, allow customers to purchase items on credit. Generally, the buyer gets 28 days to pay the full amount of the purchase price before the store begins charging interest on the purchase. Long-term repayment plans may have interest rates over 30%, so make sure to check the terms of your plan before purchasing. Buy now, pay later repayment plans may require you to make payments monthly or even weekly. Buying your furniture using a buy now, pay later option can help you build up your credit score if you make your payments on time.

Many of these catalogues offer special offer codes to first-time customers. If you’re planning to buy furniture from a buy now, pay later catalog, do some research first to find out if there’s a discount you can use to obtain a discount or avoid making payments for 12 months after your purchase. Some buy now, pay later catalogues also offer special discounts and financing options around the holidays, so if you can delay your major furniture purchase until the end of the year, you may find a better deal. Visiting each individual catalogue site and looking around for seasonal deals is possibly the best way to go.