Spread The Cost Worry Free, Interest Free: Learn More About Our Finance
As the largest independent family-run furniture retailer in the West Midlands, Cousins have everything you need to furnish and accessorise your entire home in a style and price that is right for you.
Deciding to purchase furniture can involve a lot of decision making. Choosing sizes, colours and styles of furniture are obvious considerations. Also purchasing high quality furniture may depend upon choosing more feasible payment options that are available to you such as interest free options or maybe buy now pay later.
Payment Options and Why They May Be Right For You
There are various payment options available to our customers including paying a deposit at the point of sale and then paying prior to delivery or with one of our easy pay credit options including no deposit and interest free. Please note that certain finance options are only available at certain times of the year.
Once you have made your purchase and paid your deposit, we can proceed with the application which can be completed in store. Alternatively we can email a link for Hitachi Finance through to the email address that you have provided to us and you can fill in the required information at home.
Why Should You Spread The Cost?
Should you have other financial commitments such as moving house or a refurbishment project, then spreading the cost into smaller payments made on a regular basis may be a more convenient alternative than paying the full value before delivery.
Looking to completely furnish a room in your home? Or even multiple rooms? Spreading the cost over a number of months will ensure that you can meet the expense of that new sofa, dining set, bed and bedroom furniture, as well as the all-important finishing touches with flooring and accessories.
As well as improving your credit score, providing you make payments on time, finance can be applied for quickly, ensuring you can receive an almost instantaneous decision.
Spreading the cost may mean that you are able to choose to treat yourself to a more luxurious sofa, dining set or bed than you had originally thought. Perhaps you were looking at recliner sofas and chairs but they were outside your original budget- with finance the extra cost could be distributed evenly across the finance agreement term. Maybe adding those extra pieces of occasional furniture for your bedroom, living or dining room to complete your room becomes a possibility with the flexibility of finance.
Adding a sideboard, extra chairs to a dining set or upgrading the fabric or leather on a sofa and chairs are all possibilities when you apply for finance.
Accessorising your rooms with rugs, artwork, mirrors and decorative pieces can all be included in your final agreement, meaning that you could completely furnish a room or rooms sooner than anticipated.
Using our quote facility could mean that you may discover that your monthly repayments may be less than you initially thought, thus enabling you to consider adding those extra pieces of furniture that you may have been considering. You’ll also discover whether the amount of finance that you wish to apply for, after the deposit, would be accepted and also what the monthly repayments will be. You will not be obligated to proceed with the agreement and it will not impact upon your credit score rating.
Flexibility is a key benefit of taking out interest free credit because you can decide upon the length of the agreement and the amount that you pay each month, depending on the size of the initial deposit that you pay.
Interest Free
Our interest free option allows you to pay in monthly instalments with varying interest free periods available at different times of the year, including no deposit. Repayments will commence approximately 1 month after delivery of your furniture and are set up as a direct debit.
Buy Now Pay Later
The interest free period will begin from the date that you sign the agreement and is a very flexible way of utilising finance. You can decide to pay smaller regular payments or make a one off payment before the interest free period expires. Payments should be made directly to our finance provider, Novuna.
As long as the agreement is settled prior to the end of the deferred period there will be nothing more to pay. If, however, you continue the loan beyond the deferred period, the balance outstanding is then spread evenly across the term of the loan at the pre-agreed APR.
Considering Finance?
One of our expert sales staff will be able to advise you which finance options are available at any particular time and any other finance related queries that you may have. Still have questions about finance? Read our finance FAQs.
Terms and Conditions apply, and this offer is subject to availability and changes. For any further questions please speak to a Sales Advisor in store or visit our FAQ page