Flat Screen TV Financing
Many people would love to buy a plasma or LCD television, but are unsure about flat screen TV financing. If you have been hoping for one, you might be surprised to find out that they are becoming more and more affordable every day. They are much more desirable than the standard CRT, and retailers are lowering the prices in order to make them affordable to more families.
Keep in mind that the price range varies depending on the brand, size, and retailer. Here are a few things to take into consideration before buying a flat screen television.
• Decide whether you want plasma or LCD. If the size is less than 40”, LCDs have the advantage. For larger TV’s, most consumers agree that plasmas have the advantage. This is because LCDs have a very bright glare, so if you are going big, you will want less brightness in the room. If you want to use your flat screen television as a computer monitor, LCD will probably be your best choice since it is more than likely to have a VGA or HDMI port.
• Size is an important factor to consider. In a normal sized room, 42” and less will be fine. A 32” is a perfect size for most bedrooms. You will be surprised at how large the display can appear, so it really is not necessary to get a giant TV unless you have a really large room.
• Decide on a store. Stores all have various flat screen TV financing options, so check with different retailers to find out what they offer. Some retailers have great deals, and you can probably get a 32” for $400 or less. If you do not think you can afford to pay in full, then buy a used one or try financing one through monthly payments.
• A flat screen with 720p is more affordable than 1080p. If you plan on watching regular HD programming, then the differences between the two really will not be noticeable. You can get away with 720p if you plan on watching regular TV. However, if you plan on watching a lot of Blu-ray movies and/or playing a lot of games, you might want to go with 1080p if you can afford to do so.
Do a bit of research online to see what kind of offers various stores have. Check with your local retailer’s websites to get some ideas. Compare the prices to those of other internet electronic stores to see if flat screen TV financing locally or online will be the cheaper option.
Best Deals for Plasma TV Financing
Shopping for a plasma TV and finding financing can be a big hassle. With so many companies out there, it’s difficult to find the one that is offering the best plans and deals on TVs.
After some research, we found some of the best deals on plasma TVs with financing:
Sears has a Samsung 42″ 720p 600Hz HDTV and it is an Energy Star product to boot! It retails at $549.99. With a Sears card, you can make payments of just $18 a month. Sears also has a Zenith 42” plasma HDTV for $529.99 and $17 a month. Again, it is an Energy Star. Sears also offers an LG 50″ 1080p 600Hz HDTV that retails for $879.99. On electronic purchases over $699, Sears offers a 12 months no payments no interest payment plan. Alternatively, you can pay $28 a month for this model.
Vanns has a plan where you are not charged interest if you pay for your purchase within 36 months, no annual fee, and low monthly payments. They are selling an LG 50″ 720p plasma HDTV for $849.98. Vanns has free ground shipping.
Tiger Direct has a 50″ Vizio 720p VP503 plasma HDTV. You can purchase this one for $24/month. It retails for $799.
You could order a plasma TV from Sams Club using their Sams Club credit card. The card has no annual fee and there are often financing promotions. Sams Club has a Panasonic 42″ Viera 720p plasma HDTV for $568.00.
NewEgg also has a credit card and a payment plan where you are not charged interest for 12 months as long as you make monthly payments. They have a Panasonic 50″ Viera 720p 600Hz plasma HDTV for $719.00. Their Panasonic 42″ Viera 720p 600Hz plasma HDTV runs for $649.99; their 42″ LG 720p 600Hz plasma HDTV costs $629.99; and their 50″ LG 720p 600Hz plasma HDTV retails for $799.99. All models are shipped free of charge!
OneCall also has a OneCall credit card and a payment plan where you are not charged interest for 12 months as long as you make monthly payments. They offer a Panasonic 46″ Viera 1080p plasma HDTV for $999. It is marked down but the markdown is unknown until the product is placed in the shopping cart. OneCall also has free shipping.
Walmart, of course, is a price leader and probably has the best deals for plasma TVs with financing. You can use a Walmart credit card for financing, paying no interest for 12 months if making monthly payments. They have a Panasonic 42″ Viera 1080p plasma HDTV for $798.00 with free shipping!
Those are some of the best deals for plasma TVs with financing.
Cheap TV Financing
Today’s TVs are a far cry from what they were just a few years ago, with tons of features built into them, which makes the price skyrocket. In fact, just a decent sized 32″ TV can run you anywhere from $300 to $500 depending on the brand and the features you want on it. This can be a lot to plunk down at once on a TV, which is why there is financing available to get you a cheap television, which will make your monthly rate easy and affordable.
The first thing you need to decide when looking at TVs are the features you want. Do you want a TV with a DVD player built in? What size TV do you want? Often around the holidays, many major retailers offer cheap TV sales and prices, which you probably wouldn’t get any other time of year. In addition, Wal-mart offers financing in the form of their credit card, which requires no interest on the payments in the first 12 months. Therefore, if you purchase your cheap television at Wal-mart and place it on your new credit card and have it paid off within the period of one year, you’ll never have to worry about paying a huge amount for a TV.
While this is a great option for someone with no credit, or credit, which is already established, people with bad credit may have trouble getting a TV. This is due to companies not being so willing and ready to loan you money. However, there are places like Rent-A-Center, which can help you get a cheap television or any other electronic or appliance that can be paid on weekly. These places tend to charge more in interest than you would pay if you chose to save your money and purchase your TV that way, but the caveat is that you have your TV immediately, instead of having to wait until you have the money saved.
There are a lot of factors, which can determine how eligible you are for financing for your new cheap television, but the main factor you’ll have to worry about is whether or not your credit is good or bad. If you do have bad credit, it’s not impossible to get new things like a cheap TV, but you will find that you’ll be paying more in interest than if you had good credit and purchased the same TV.
No Credit Check TV Financing
The economy has been bleak for the past couple of years and just about everyone’s credit has suffered to some extent. If you are one of the people whose credit score has tanked, and you need, say, a new television, there are places to go for no credit check TV financing.
There are two types of companies that will claim to be able to help with financing on a no credit check basis. The first of these are appliance stores that specialize in rent to own arrangements, or who have special promotions for which they claim something like, “Good credit, no credit, bad credit, we do not care!” While they may not charge interest, you can pretty much count on their prices and monthly payments – and the time it will take to pay for an item – being a lot more than you would normally encounter had you not been credit challenged.
Another kind of no credit check offer can be found either online or right down on Main Street. These are businesses that make bold claims that they can guaranteed TV financing, or financing for a couch, or other items, no matter the condition of a consumer’s credit. While this may sound like an easy answer to a tough problem, you should be especially cautious when dealing with the people that operate these businesses. They may wish to attach your store account to your checking account, in effect holding your money hostage for debits they can make at their discretion. All in all, that “No credit check” could end up meaning “No bargain” because of the loan shark-type interest rates you might end up paying. You will also want to inquire about extra fees that could be levied should you be late with even a single payment.
There are a few easy ways to exert caution when dealing with organizations that feature no credit checks. First, make sure the company has been in business a few years. Check the Better Business Bureau web site or your local State Attorneys Office for any complaints from past consumers.
The financial experts are saying that the economy is going to improve in 2010. Middle class workers have, up to this point, been hit especially hard and they will continue to battle rising gas and food prices and increased credit card interest rates. It will take most people at least a couple years to regroup and get their credit scores back up to par. These are the types of people who could easily be victimized by organizations that claim to be working in their best interests. Before you jump into the no credit check TV financing pool, do your homework and stay smart.
