Looking for a site for people with bad credit to buy furniture and/or televisions.?

Question

I live in Indiana.(USA)

Answer 1

Stay away from anyting that caters to people with bad credit, they will rip you off worse than you can possibly image. Save up and pay cash for everything, leave credit out if it.

Answer 2

All the ones that I know of want credit card payment so if you don't have a credit card, I don't think you'll be able to buy on line.

I did see a couple of websites that claim "everyone is approved" but that would scare the hell out of me. I couldn't find anywhere on the site where they told you what the fees and interest rates were. I would imagine a $700 TV will wind up costing you double or triple by the time you finish paying for it.

Then I found another one that said pre-approved and it actually had finance terms. Interest of 18% but when you read the rest of the terms, if you're one day late on payment, you get a penalty PLUS your interest rate goes up to the maximum allowed. In some states, the maximum is over 30%.

I think you're better off cleaning up your credit first and then buying new stuff. But, if you find one of those Low Easy Monthly payment places, add up those low payments and figure out just what that TV is going to cost you over a 5 year loan. You'll find that you just paid $2700 for a $700 TV.

Answer 3

Bad credit is one of the worst problems to have... however there exists a solution.

I will hereby talk from my personal experience.

I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

http://umgarticles.atspace.com/debt-consolidation.htm

if it helps kindly remember me in your voting!.. cheers!

Answer 4

some businesses will offer 90 day same as cash or some sort of layaway programs.. just buyer beware and stay out of the rent to own traps.. usually could have bought a car with what u might pay for things thru these types of organizations

Answer 5

Maybe you should look for a place that offers a layway plan? Like value city/furniture?