If you’re unfortunate enough to be burdened by a bad credit rating, buying a cooker on credit can prove to be extremely difficult. All is not lost however, and there are ways to stop your poor credit rating from preventing you from owning that dream cooker.
One way forward is to look for retailers who offer finance without carrying out a credit check. Many retailers who offer rental options often enable you to rent without doing a credit check. Another way is to make your purchase from a bad credit catalogue. JD Williams for instance has very high approval rates – even for customers who have low credit scores. Don’t forget; once you’re accepted by a retailer and so long as you don’t fall behind on your repayments, you can begin to positively rebuild your credit rating and increase your future purchasing power.
Buy now pay later deals on cookers are also available from many stores – although the interest rates may be slightly higher on such deals. Websites such as Currys and Argos have lots of offers on many leading brands (although with Currys, finance is only available in-store). Bedirect and Tesco also have pay later deals as well as various other payment deals available. Full information on exactly what’s on offer can be found on their websites.
Always check the terms and conditions carefully if you’re buying a cooker with no credit check. Some sites require either a hefty initial deposit and/or have very high interest rates. It’s best to shop around for the best possible deal. Jacamo and Gimmitech are good places to look. Other online stores offering no credit check cookers include paymonthlystore.com, payweeklystore.com and Bayv.co.uk.