When it comes time to find a new furniture set for your living room or bedroom, there’s no need to go shopping again! Instead, take the hassle out of the process and get a great deal by using the financing options from Big Lots.
In this guide, we will explore Big Lots’ financing options so you can make an informed decision about whether or not Big Lots store is a good option for financing furniture. Keep reading to learn more!
Big Lots Furniture Financing
If you’re thinking about financing a purchase from Big Lots, there are a few things you should know. The store offers several different financing options, so you can choose the one that best suits your needs.
Big Lots offers flexible payment plans, so you can make payments that fit your budget. And the store’s financing options are available to both online and in-store shoppers.
Here’s a closer look at each of these points:
1. Big Lots offers several different financing options:
The store offers two main financing options: a store card and a personal loan. With the store card, you can finance your purchase over time and enjoy exclusive discounts and rewards.
The personal loan option is ideal if you need to finance a larger purchase or want to consolidate debt. Both options have their own advantages, so be sure to compare them before making a decision.
2. Big Lots offers flexible payment plans:
With either the store card or personal loan option, you can choose a repayment plan that fits your budget. The store also offers promotional financing plans from time to time, so be sure to ask about those when you’re making your purchase.
3. The store’s financing is available to both online and in-store customers:
If you’re shopping online, you can apply for financing through the Big Lots website. If you’re shopping in-store, just ask one of their sales associates.
Big Lots Credit Card
Big Lots offers a store credit card through Bank with a variety of benefits and perks. Cardholders earn back in Big Lots Rewards on every purchase, as well as exclusive discounts and promotions.
There is no annual fee for the card and it can be used at any Big Lots location or online at biglots.com.
For those looking to finance large purchases, Big Lots also offers a 12-month deferred interest financing option on qualifying purchases.
This means that cardholders can make monthly payments over the course of a year without accruing any interest charges, as long as the balance is paid in full within the 12-month period.
Big Lots Layaway
A lot of people don’t know that Big Lots offers a layaway option for its customers.
Here’s what you should know about the store’s finance options:
If you’re unfamiliar with the term, layaway is a payment plan where you make payments on an item over time until it’s paid off. Then, you can take the item home. Big Lots’ layaway program requires a minimum purchase and allows you to spread your payments out over eight weeks.
Big Lots Home Improvement Loan
If you’re looking to finance a home improvement project, Big Lots offers a loan option that can be used for purchases made at their store. Here’s what you should know about the Big Lots home improvement loan:
- The loan is offered through Capital, and you can apply online or in-store.
- You’ll need to provide information about your income, employment, and credit history.
- The loan amount will be based on your creditworthiness and the cost of the project.
- You’ll have up to 24 months to repay the loan, and there is no prepayment penalty.
- The interest rate will be fixed, and you’ll make equal monthly payments.
If you’re considering a home improvement loan from Big Lots Be sure to compare offers from other lenders to get the best deal for your needs.
Big Lots Instalment Plan
If you’re looking for a flexible financing option at Big Lots, consider the store’s installment plan. With this plan, you can make purchases and spread the cost of them over time.
You can make payments online, by phone, or in person at a Big Lots store. If you’re considering the Big Lots instalment plan, be sure to compare it to other financing options to see if it’s the best fit for you.
When it comes to store financing, Big Lots offers a variety of options to choose from. Here is a comparison chart of the different financing options available:
Option 1: 60-Day Same As Cash
With this option, you can make purchases and then have up to 60 days to pay off the full amount without incurring any interest charges.
Option 2: 6-Month Deferred Interest Plan
With this option, you can make purchases and then have up to 6 months to pay off the full amount without incurring any interest charges.
However, if you do not pay off the total amount within the 6-month period, you will be charged interest retroactively on the entire purchase amount.
Option 3: Big Lots Credit Card
With the Big Lots credit card, you can make purchases and then have up to 24 months to pay off the full amount. If you pay off the full amount within 12 months, you will not be charged any interest.
If you do not pay off the full amount within 12 months, you will be charged interest on the remaining balance.
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Conclusion
Big Lots Furniture is a popular retailer for furniture. They offer furniture at discounted prices and offer financing options. The store also offers free delivery and returns.
Big Lots Furniture offers a number of financing options, which include regular monthly payments, interest-free financing, and cash-back financing. Regular monthly payment is the most common type of financing, and it can be very helpful if you’re not sure whether you’ll be able to afford the furniture.
The interest-free financing option can be helpful if you’re looking for an affordable way to purchase furniture. The cash-back financing option offers you bonus points for every purchase that you make. These bonus points can then be redeemed for cash.
