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Financing Options to Consider When Purchasing Furniture

lease-purchase-programs (3)

Alternative financing options have come to aid many people’s pockets. When you want to make a real transformation in your home or office, you probably think of getting fancier furniture or appliances. The contentious issue is how to go about it. Should you buy new furniture or have it leased? That will depend on how much money you have saved for the purchase.

When you don’t have enough money to buy the furniture, you need to look for alternative means to acquire the piece of furniture that you desire. There are a couple of options that offer great financial support to customers. Here are some of the appliance financing options available:

  1. Personal loan: When you take out a personal loan, you are guaranteed to get the furniture right away, without siphoning your savings. Although you will pay back the money over time with some interest. This means that the furniture might end up costing you more in the end.
  2. Use of credit cards: The best thing about this method when it comes to financing for furniture is that you have the liberty of shopping around online. Just like the personal loan, interest and fees increase cost over time. You do have to be wary of late credit card payments that can impact your credit score.
  3. Lease-purchase programs: These programs have made it easy on customers, as you don’t need to use all your savings when buying your appliances. One of the notable benefits of furniture financing is its convenience. Flexible lease-purchase programs don’t require you to have a great credit score, giving you the time you need to rebuild it while still getting the furniture you want. Furniture financing also enables you to furnish your home when you don’t have enough funds on hand.

Utilizing options like lease-purchase programs is especially effective when you’re already incurring major expenses for something like a move. Research shows that in 2017, around 67% of movers remained in the same county, but even the smallest moves are costly. A lease-purchase program can help you afford that new sofa or dishwasher you love while you’re in the midst of paying for all of your other moving expenses. Contact Okinus today to learn more about our lease-purchase programs and how they can help you.

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