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TV ON CREDIT

Finding you the best places online to buy a TV on finance.


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POPULAR PAGES

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THINGS TO CONSIDER

As with all finance options you should always double and triple check the terms
and conditions of the store before you commit yourself.

Quite a few stores don't allow you to pay back early, and if they do may charge
an early repayment fee.

Some stores offer a 0% interest period, so if you can, make sure you pay it off
within that period. Any missed payments can actually cancel the interest free
period!

The best solution in almost every case is simply to wait and save yourself. You
could create a new bank account and deposit a small sum in it every week until
you've got enough to buy what you want outright. Whatever you choose, borrow and
spend sensibly!


TV ON CREDIT: SPREAD THE COST OR PAY LATER

Are you looking to buy a new TV? Can’t quite afford to buy one outright? In that
case, buying a TV on finance might be a good option for you. Many online
retailers now offer a credit option to their customers, including deals such as
spread the cost, buy now pay later, rent-to-own and interest free. If these
sound like something you’re interested in then keep on reading.


PAYMENT PLANS

As already stated, numerous online stores now provide their customers with the
option to buy on finance, either by spreading the cost over a set period or
buying now and paying later. Some even allow you to do a combination of the two;
buy now and pay nothing for 12 months and then spread the cost for another 12
months.

These types of deals are ideal if you’ve just moved home or are struggling
financially at the moment but with a good chance of turning things around within
a few months. Borrowing when you can’t afford it now, or in the future, is never
going to end well.

Spreading the cost of products is perhaps the most common credit option as it
allows you to break down large expensive items into small affordable sums, which
is great for those that struggle to save as a result of over-spending. Paying
monthly, weekly or fortnightly are the most common schedules offered by UK
retailers.

Buy now pay later finance options tend to vary in period depending upon the
price of the item. A more expensive product such as a large TV or sofa will
usually qualify for the longest BNPL period, i.e. 2-4 years, whilst something
smaller like a laptop or game console usually only qualifies for 6-18 months.


BAD CREDIT & NO CREDIT CHECKS

There are a large number of people in the UK with a less than average credit
score, usually as a result of irresponsible lending companies allowing young
adults to borrow as much as they want. As a result, many older adults now have
to struggle to get approved for a finance plan even if they are now financially
sound.

For those who have a bad or low credit history you may have already found
yourself getting refused credit plans or credit cards. However, there are
solutions. Firstly, as you’d expect, it’s always best to try to rectify a
problem rather than hoping it will go away. Taking out your credit report can
help you to discern what could be causing your poor credit score.

Even with a low credit rating, many customers do get accepted for tv’s on
credit. This is because there are a number of stores that are more lenient with
their credit checks, whilst others compensate by offering rent-to-own payment
plans. It’s important to remember though that if you do have bad credit, chances
are you will be charged higher interest rates, so weigh up all of your options
before signing up to an agreement.

As for no credit checks, there are very few retailers that are willing to lend
without credit checking. Those that do usually still ask for recent bank
statements and tend to charge extortionate interest rates.