currys tv finance

k-lee0806

is there anyway i can initally find out if currys will give me finance on a tv without going into currys and possibly being embarrased if my current status is rejected?

Cash_Flow

k-lee0806 wrote: »

is there anyway i can initally find out if currys will give me finance on a tv without going into currys and possibly being embarrased if my current status is rejected?

Unfortunately not.

In order to obtain finance you will have to apply in store.

fozmcfc

I take it they don't do finance online then?

I got my TV on finance through Dabs.com, there are several other retailers who will arrange credit online.

Having got a TV on finance (when I was absolutely stupid with money) and then not having paid it back before the 0% run out, I really would urge you to consider whether you really want to get a TV on finance as I've ended up paying about £1250 over 4 years for a £700 TV.

You should only ever consider buying a TV on finance, if

A/ get it for 0% and pay for it before the 0% runs out.

or

B/ You really are prepared to pay well over the odds for it.

Even if you say A applies to you, think about the consquences if B/ becomes the reality.

PursuitOfHappiness

k-lee0806 wrote: »

is there anyway i can initally find out if currys will give me finance on a tv without going into currys and possibly being embarrased if my current status is rejected?

Doesn't look like you can deal finance online.
Best getting into Currys and sorting it out face to face to be honest. Get them to go through the paperwork with you if your successful.
I'd call them up first though to see if you need ID and proof of address/earnings also. Save a wasted journey.
About financing the TV.
I don't see nothing wrong with financing a TV aslong as your good with dealing with credit. Should be 0% and they take a direct debit for each month of the agreement.
An Argos card may be a decent alternative as they have cheap TV's aswell.
Also check this thread. https://forums.moneysavingexpert.com/discussion/1278423
About a women who musn't of paid any attention to her bills and blamed Currys for not reminding her when she should of been paying them.

PursuitOfHappiness

fozmcfc wrote: »

I take it they don't do finance online then?

I got my TV on finance through Dabs.com, there are several other retailers who will arrange credit online.

Having got a TV on finance (when I was absolutely stupid with money) and then not having paid it back before the 0% run out, I really would urge you to consider whether you really want to get a TV on finance as I've ended up paying about £1250 over 4 years for a £700 TV.

You should only ever consider buying a TV on finance, if

A/ get it for 0% and pay for it before the 0% runs out.

or

B/ You really are prepared to pay well over the odds for it.

Even if you say A applies to you, think about the consquences if B/ becomes the reality.

Why should someone be prepared to pay over the odds for a TV? :huh:
Aslong as somebody knows how to deal with finance it can be used in a good way.

Apples2

PursuitOfHappiness wrote: »

Why should someone be prepared to pay over the odds for a TV? :huh:
Aslong as somebody knows how to deal with finance it can be used in a good way.

Not sure you are following this thread properly.

TV cost £800

a. 6 Months 0% finance on offer so you take it. In 6 months time you pay the finance company £800 - All done and finished.

b. 6 Months 0% finance on offer so you take it. In 6 months time realise you cannot afford £800 to pay the finance company so you enter into their XX% APR finance agreement

Now your £800 TV has cost you £1,200


Paying over the odds means paying £1,200 for the TV when you could have paid £800. How can that be a good way?

A little clearer now??

archer7

I don't mean to be harsh, but embarrassment is not a factor you should be considering.

The things you need to consider are:

1) Do I need the TV that badly in the first place?
2) Is the TV cheapest at Currys?
3) Is it better to save for it, or am I happy paying the interest?
4) Is Currys the best option as a finance provider over the term I wish to repay over?

For all I know, you've already thought about them and are happy with all those questions. The point is that those are the ONLY things to consider. Sales assistants deal with people declined for finance all the time, it's hardly that embarrassing these days. If you're happy to get it on credit, just ask and see what happens - don't worry about what they're thinking.

diable

Save up the money and in 6 months you'll get a better TV cheaper.

PursuitOfHappiness

Apples2 wrote: »

Not sure you are following this thread properly.

TV cost £800

a. 6 Months 0% finance on offer so you take it. In 6 months time you pay the finance company £800 - All done and finished.

b. 6 Months 0% finance on offer so you take it. In 6 months time realise you cannot afford £800 to pay the finance company so you enter into their XX% APR finance agreement

Now your £800 TV has cost you £1,200


Paying over the odds means paying £1,200 for the TV when you could have paid £800. How can that be a good way?

A little clearer now??

Of course I understand what everybody has said in this thread.The person who has given the example that he was an irresponsible borrower has given the circumstance that he was in.This isn't the scenario for everybody else who could put a TV on a finance deal and correctly pay at the right times without incurring charges.I believe Currys finance deal to be, pay 10% now and pay a direct debit each month for the next 10 months.A little clearer now in what way I am coming from?People on this site are just scaremongering people not to approach deals like this when, if the person knows the risks then why not?Lets look at the price of TV's at the moment too and your average 42" is about £400.So much BS on this website when somebody only asks if Currys do finance online, somebody replies with negativity. Even if you may be saying this is the worst that can happen etc etc people are still saying save up and buy a better one in 6 months. !!!!!!?More than likely the OP has already made their mind up on financing the TV anyway.

sentinal

Currys have recently changed finance companies. I always use to buy from them on buy now pay later. If you pay of in full before or on the due date, you paid nothing in interest. I went in my local store a few weeks ago to buy a TV. I was denied credit and couldn't understand why. I was told by the salesman, they have changed finance companies. So unless you are sure you're credit rating is very high, i would stay clear.

Derivative

I wouldn't worry about the embarassment, I'd be embarassed enough getting into debt over a bloody television. Car loans are one thing, a TV?