Credit for free use
- Start your credit request now (this does not result in a contract).
- After checking your request, the money will be in your account after 4 days.
- All you have to do is accept our offer. If not, then not. No catch, no upfront costs.
The time comes when you are tired of your old furniture and would like to buy a new home. Depending on the type of furniture, this can cost a lot of money. Not everyone wants to build their own furniture and quality has its price. Many will accept applying for a loan to buy furniture from their bank. What should you pay attention to?
The house bank or rather an internet bank?
If you have a good relationship of trust with your bank advisor, you naturally turn to them first. However, the offers of the branch banks are not always advantageous for the customer. It’s worth taking a look at the Internet here, because there are comparison portals where banks’ loans can be compared. That is worth it because the interest rates of the online banks are lower than those of the branch banks. The loan for buying furniture can be applied for directly from the relevant bank via the Internet.
An acceptance or rejection takes place within seconds, because the bank checks the Schufa immediately and can therefore decide immediately. If a promise is made, only the papers that are sent by post need to be signed. Once the bank has the documents, a payment is made to the borrower’s checking account within a few days and the credit is entered in the Schufa.
The borrower can pay his installments either by direct debit, with a standing order or by bank transfer. The contacts of the online banks can be reached either by phone, in writing or by email, should there be any questions.
Some furniture stores also offer installment payments
There are furniture stores that also offer installment purchases for the furniture. Such a credit for buying furniture from the dealer may be an elegant solution, but it is certainly not the cheapest, because the dealer earns interest. In most cases, they are higher than that of the banks. But if you don’t want to compare or want the furniture as soon as possible, you can of course also use these offers.