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Sofas on Finance

Buying a new sofa can be a daunting task as prices are rarely low and there are dozens of styles, colours and fabrics to choose from. Fortunately, you can now buy sofas on finance using a pay later payment plan from an online catalogue.

Buy now and pay later is a credit plan whereby you receive your sofa immediately and pay nothing for set period of time. Usually this period depends upon the price of the sofa as well as the retailer you're buying from. One of the best things about this finance deal is that you don't normally have to pay a deposit and can often be interest free.

Another option to consider is to spread the cost over a few years and pay back the amount you owe in weekly or monthly sums. Pay monthly sofa deals are very common amongst online catalogues such as Littlewoods and Homebuy.

The final option you have is rent-to-own where you can rent a sofa and pay for it in weekly or monthly installments. Once the total price has been paid you then own the sofa.

It's worth pointing out here that with finance plans come credit checks. So, if you know you have a bad credit rating you may find it difficult to get accepted for a sofa on credit.

There are some stores which are more lenient than others but remember, they usually charge much higher interest rates in order to account for this.

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Sofa Buying Guide

Corner sofas, sofa beds, futons, reclining sofas, with many styles to choose from, which sofa is right for you? This simple guide will help point you in the right direction when the time comes for you to choose a new sofa set.

Type of sofas

With sofas ranging from 6 to 8 ft in length, there is more than one option for you. Loveseats come in the 5 to 6 ft range, then there is the sectional which can sit from 5, up to 14 people on larger pieces. How about a futon for the more affordable sofa? Sofa beds and sets are also available for purchase. Consider the amount of seating you need, the use, the space, and the price, in order to determine which is right for you.

Material

Futons are typically a steel frame with cushion on top; not too comfortable, but good for a college dorm or room. How about leather? Yes, it is fancy and looks nice, but is typically hotter and tougher to care for. Microfiber is comfortable for seating, easier to maintain, and a good option if you have kids and pets. Keep this in mind, as well as the design and colour you like, in order to choose the right sofas for your home.

Design features

Sofa arms offer an elaborate detail to your chairs. Nice skirts can help enhance the design and overall look of the space. Cushions can either be removable or strapped in to the seats, and tight back sofas can provide a modern, contemporary look.

Depending on whether you prefer style or comfort, modern or dated, there are many design features you have to consider when choosing your new sofa. The size of the seats, cushions, the look and feel, all have to be taken into consideration so you make the right decision when the time comes for you to buy.

Prices

Price is always a concern when it comes to choosing new furniture. Sectionals seat more, but cost more. Sofa sets come with a chair, loveseat, and sofa, but don't always fit well into the space you are purchasing them for. Single pieces might look out of place. Depending on your budget and price you are willing to pay, there are countless options available to you when purchasing new sofas.

You aren't limited to one style or colour. With hundreds of manufacturers, affordable prices, and several styles and sets, you will find the right new sofas when you consider all relevant factors prior to purchasing.

Beds on Finance

A bed is an essential item in any home, so when you need a new one there really isn't any time to delay. For those that can't afford one right away, buying a bed on finance might be the ideal solution.

Many online stores and catalogues boast a large range of beds which can be bought on a credit plan with no deposit. The most common finance deals are spread the cost and buy now and pay later.

By spreading the cost of a bed you can pay a set amount each month or even each week if you prefer. A pay later payment plan allows you to pay nothing for a few months or even years in some cases.

Your credit rating will of course play a part in whether or not you get approved, so for those with bad credit or no credit history, you might have to consider a higher interest rate deal.

Remember to check the terms and conditions before you agree to anything to ensure you understand exactly how much you will have to pay back.

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Bed Buying Guide

Anyone in the market for beds will need to do their homework as there are many different types and styles of beds that you can choose from. This guide will look at some important features so you can make an informed decision.

Storage

Everybody needs plenty of storage in their homes, one way of adding extra storage is to choose the right type of bed. A divan bed opens up and gives the owner lots of concealed storage space. This is great for storing the winter quilt and spare sheets. The space is as big as the bed, so it's also great for other bulky items such as towels.

There are also beds which have drawers underneath. These are perfect for everyday storage as it's easier to open a drawer and pull stuff out rather than open the whole bed up.

It's even possible to buy specialist beds which have televisions fitted at the bottom. Some of these are automatic and can be opened by remote control to display the television. This is a great way to add a TV to your bedroom without having to take up space on the wall.

Size

The size of the bed is something that you will need to give some special consideration to. It's no longer just a matter of choosing between double and single beds. You can also buy queen or king size and even super king size bed. Make sure you choose the right bed for you and your room. It's important that you have enough space to sleep comfortably, but also that it can physically fit in your bedroom.

Comfort

Some people enjoy sleeping on firm mattresses, while others prefer a softer feel. This is all down to personal preferences, just make sure that you find the bed comfortable. This will ensure that you get a great nights sleep. There are also plenty of different types of mattresses to choose from. There are sprung mattresses, foam and memory foam mattresses. Memory foam is the most expensive, but most people find that it provides the best nights sleep.

Kids Beds

As well as adult beds, there are also plenty of child friendly beds available. These can be bunk beds, or even raised beds with a desk or play area underneath. These are ideal for kids with smaller rooms who still want to be able to play or work in their bedroom. Novelty children's beds are available in many different styles and designs.

Wardrobes on Finance

Wardrobes come in many different styles, colours and sizes. Unsuprisingly, the price also varies dramatically which can make certain wardrobes very difficult to afford in one lump sum.

For those who find it difficult to save, one option is to buy a wardrobe on finance through an online store like Argos or Littlewoods. They usually have multiple credit plans to choose from too such as pay monthly, pay weekly, pay fortnightly or even pay nothing for 12 months!

By spreading the cost of a wardrobe you can break the price down into much smaller manageable installments which makes things seem far more affordable. Many of these finance deals come with an interest free credit period as well as no deposit.

You will of course be credit checked during your application so if you have a poor credit score you may find yourself getting refused. In these cases, a catalogue for people with bad credit such as Homebuy might be your only other option. Of course remember though that there is no guarantee of getting approved and credit is only offered to those customers which pass the credit and affordability checks.

Watch out for the interest rates here as well, or consider a rent-to-own deal where you rent a wardrobe and pay for it every week until you've paid off the total amount.

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Wardrobe Buying Guide

Need a little extra storage space in a room or office? New wardrobes are the perfect solution. Before you buy, you must consider different aspects to choose the right one. This simple buying guide will point you in the right direction.

Style

Do you want a simple wardrobe with two doors, a single door, separate drawers, or something with added storage? Further, do you want all wood, metal, or something stained to add style to the space. Depending on where it is going, and the storage space you require, there are many styles and designs to choose from.

The size

You need something large enough to store different items. Consider not only length and width, but also depth. Keep in mind you have different drawers and hidden compartments in some wardrobes for added storage. Also consider the size of the space where you will place the new wardrobe. Look at height and width, to ensure it will fit the room or office it is intended for.

Doors and drawers

Do you want sliding doors? Metal locking doors? How about small drawers to store different little items in? Easy access doors conceal clutter and allow you to easily open and close the wardrobe. There is also the open style, where no doors will block what you are storing inside. If you have small items like foldable clothing, scarves, socks, and other small items, drawers are the perfect way to store them. Do you want long or short, tall or slim? These are some factors to keep in mind when deciding on the storage options.

Hanging rails and shelves

Rails will help you easily hang items you don't want to get wrinkled. Some are adjustable to maximize space, others are a single length. In terms of shelving, you can also choose adjustable shelves, bottom storage racks, and movable pins, so you can adjust shelf height. Consider what you will place on rails and shelves, in order to choose the right dimensions.

Mirrors

Do you want to see yourself getting dressed? Some wardrobes have mirrors. Full body or a small mirror to see your face? Depending on your budget and the size of the wardrobe, you can customize this feature as well.

Consider the material finish, the colours, and of course the price as well. All of these things will play a role in helping you decide on the right piece for your home, and the perfect wardrobe for your storage needs.

Dining Tables on Finance

Buying a dining table on finance is now easier than ever with online stores such as Argos and the HomeBuy group offering a large range of dining tables to choose from.

Depending on the store you choose to buy from, you can usually opt to pay for the table in monthly or weekly installments. Some retailers even let you pay nothing for 6-12 months with 0% interest and no deposit!

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Dining Table Buying Guide

Dining tables are scene-setters in any home, especially in an open-plan living/dining space. It is something more than just a place to eat; it represents love, welcome and friendship.

Dining tables are available in various shapes, sizes and styles, but you should make sure it fits your space and gives enough seating.

Quality

Regardless of whether you buy a high or low budget dining table, choose a good quality table that will remain in fair condition to be resold or donated. Avoid low-quality disposable furniture as a matter of eco principle.

At the showroom, do not be afraid to handle the display tables. Lift them, push down the table corners, pull at the legs and check out the joints. If the table is un-sturdy, the wood seems to be boring away at the joints, or anything is loose, do not buy it.

Material

Consider what you would like to feel when you are at the dining table, eating, doing some paperwork or playing poker. The cool glass or marble, or the warm wood. If you choose wood, would you like the smooth finished veneer or the naturally imperfect worn solid wood.

Solid wood tables are heavier than wood - veneer tables. Let your sense of touch guide you as much as the visual sense, because you will be using this piece of furniture more frequently. If you have small kids or use the dining - table as an extra kitchen worktop, then your table should be hardwearing. Reclaimed or distressed - wood will be a perfect choice, since wear and tear adds up to its character.

Styles

Get a sense of the dining table styles by going through magazines, design books and online. Select the style based on the material, shape and dimensions, and jot down your preferences.

Space and Shape

If your dining space is small, light colour tables made from reflective materials will help make the room look larger. However, shapes also play an important role.

Do not dismiss the dining table as just a place to gather around for meals. Your perfect choice in shape, style and colour can make it a furniture piece that sets the tone for the entire room.