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Furniture Financing: Three Key Points

Three Things To Note When Financing Furniture

furniture finance

In a situation where it’s time to get some new furniture? Maybe this sounds familiar: a car accident injured you, leaving you with a bad back. Your bed is no help, making your bad back all the more achy.

Worse, the cost of your medical bills from the accident that gave you the bad back has taken what funds you had and now you feel powerless to be able to do something to help your aching back.

Fortunately, you do have options. Believe it or not, you can buy furniture with bad credit. Heck -- you can even buy furniture with no credit! You might want to think about that and consider a no credit furniture purchase.

Let us help you with your considerations. Here are three things to know about furniture financing.

1. Bad Credit

bad credit

It’s no secret, many of us make mistakes with our finances that find us ending up with bad credit. Or, an accident can throw our finances into turmoil. If that’s your situation, you may want to use financing to buy furniture with no credit.

For instance, if you’re moving to an apartment, you may need a new sofa. A sofa is one of the most used items of furniture in any home. On average, people spend four hours every day sitting on your sofa. In a case like this, you can get the sofa because furniture financing will allow you to get furniture with no credit check.

2. Furniture Financing with 0% Interest

Furniture financing that will allow you to buy furniture with no credit it is, as we know,a last resort. However, if you can find a plan to buy furniture with no credit that finances you with 0% interest, you will not have to pay more than the price of your furniture.

Interest rates on furniture can go up very high. In the end, if you buy furniture with no credit, and pay directly for your items, you will save money in the long run. But if that is not an option, be sure to try to find a financing plan that offers 0% interest.

0% interest

3. Pricing

pricing

If you decide to finance your furniture purchase and buy furniture with no credit, you may also find that the pricing on the furniture that you’re looking at will be higher.

This is because the furniture companies often mark up the price of their furniture if they are offering the items to be sold with credit or with furniture financing. Paying with cash is the ideal way to buy furniture.

Weigh The Options

Making a big purchase like furniture when you have little saved might seem a bit crazy, but what's potentially crazier is continuing to sit on your floor. What’s more, situations like those are bad for your back and may cause even more problems!

Think carefully about the options before you choose what to buy. Here at Nassau Furniture, we’ll help you buy furniture that fits your home and your budget.