Windows on interest free credit

Electrobag

I found a company that does 5 years interest free credit on new windows (if it's a big job).  This suits my current situation but their brochure doesn't excite me.  It's full of chunky UPVC stuff.  Does anyone know of a window company who can make a similar offer but make and install contemporary aluminum windows/

Ebe_Scrooge

Which company is this?  If it's one of the "big names" like Everest, Anglian, etc., I'd steer well clear - they'll be horrendously overpriced.  You have to remember, there's no such thing as free credit - someone has to pay for it somewhere along the line.  Most likely the customer in terms of higher prices for the goods.

Your best bet would be to find a local independent firm who will likely be far cheaper, and who have a vested interest in making quality products, keeping customers happy and protecting their local reputation.

They will be unlikely to offer credit terms (apart from anything else, a small local firm is unlikely to be FCA registered).  But for the overall cost saving you're likely to make, it would be worth getting a personal loan to cover the cost - assuming you're not able to save up and pay for it in cash (which would be the true MSE approach!).

Bendy_House

I think I'd start with short-listing the window companies, finding one that's trusted and competitively priced, and then look at payment options.

Or, investigate low interest loans at the same time.

Whichever bank you are with would be a good start, and I'd imagine they could do one for just a few %? Best of all, I think, would be an extension on your mortgage, if you still have one - almost certainly the cheapest rate, and they'd hopefully also be keen as it should add value/security to your house. 

I'd take 'interest free' with the same pinch as 'free postage'; they BOTH need paying for, and that will be by you.

Bottom line is the overall amount payable over the loan term. 

rob7475

You'll find that they load the cost of the loan onto the price of the windows to get the interest out of you one way or another (usually much more than just the interest).

Could you get a 0% credit card or something to pay with? That will give you the option of using a smaller windows supplier who will probably be much cheaper and do a better job.

FreeBear

rob7475 said: You'll find that they load the cost of the loan onto the price of the windows to get the interest out of you one way or another (usually much more than just the interest).

There is probably commission payments from the credit provider to the DG salesman built in to the cost as well... Agreed, a personal loan from the bank would probably work out cheaper, and doesn't tie you to a small number of (expensive) companies.

Mind you, contemporary aluminum windows are not going to be cheap anyway - Might be better off remortgaging.