Buying new furniture can be fun, but it can also be a hassle. There’s furniture financing options to contend with, different colors and fabrics to choose from, and logistics to work out, all while you deal with the rest of your daily routine. When you want to stress less while picking your new furniture, read on for more information on lease-purchase programs and how they can help you with your furniture financing needs.
Flexible Payment Schedules
With a lease-purchase program, payments are due depending on your pay schedule in most cases. That means you might be paying:
- – Weekly
- – Bi-Weekly
- – Semi-Monthly
- – Monthly
This will vary from company to company, so find one that works with your pay schedule to make your life a little easier. Consistency is key and you don’t want to choose a company that will hike your rates up for no good reason.
It’s a good idea to make note of when your payments are due, as on-time payments may help build a good credit history. This will also help you avoid any late fees, keeping your money in your pocket. Your budget will thank you later when you use a furniture financing calculator to figure out how much you can afford.
No Credit Needed Financing
If you have bad or fair credit, a no credit needed financing option may be right for you. Bad credit financing gives individuals with a limited or poor credit history a chance to own nice furniture with easy, flexible payments. Lease-purchase programs vary in whether they require good credit or not, but bad credit financing is a convenient way to get approved for the furniture you need today. Okinus furniture dealers can help you find no credit needed financing and connect you with your new favorite sofa.
Zero Down Lease-Purchase Options
All lease-purchase programs are different, but the best lease-purchase programs have zero down furniture leasing. Some companies offer a variety of options, such as offering either no upfront costs or having lower monthly payments. It’s a good idea to consider which is more important to you: paying nothing right now and having a higher payment or paying a little upfront for a lower monthly payment. This will depend on your budget. Use a furniture financing calculator to get an idea of how much you want to spend on your new living room or game room addition, and make sure you want to look at it for a while; your sofa’s lifespan is about 8 years.
Lease-purchase programs are a popular solution for people with little to no credit history or bad credit history. They offer flexible payment schedules, no credit needed financing options, and zero down lease-purchase options. Use a furniture financing calculator to figure out how much you can afford and contact the experts at Okinus today.