If you want to buy a massage chair, but don’t have enough money in the bank, you don’t have to put off your purchase – with financing, you can place an order and pay over time.
Some retailers, including Massage Chair Relief, offer financing programs to make buying a high-quality therapeutic chair easier and more affordable. And, going the finance route doesn’t always mean spending more – if you qualify for a zero-interest program, your total cost will be the same as if you were to pay in cash today.
So, how does the financing process work? How long can you take to pay for your massage chair? Find the answers to those questions and more below.
Applying for Financing is Easy
The application process for financing with most massage chair retailers is as simple as can be – and in most cases, you can get a decision within minutes.
To apply, you only need to fill out a short form online and email or fax it in. The financial services company will review the information and determine your eligibility for financing. If you meet their minimum credit guidelines, you will be get an approval.
When you are approved, you will find out how much you can finance. At that point, you can decide which massage chair you want to purchase and place your order.
Financing Plan Options
Different retailers and financial services companies offer different finance plans, and you can look for a program that best meets your needs.
As we mentioned, zero-interest financing is available. With this type of program, if you pay off the balance within the promotional period – typically 24, 36 or 48 months – you will have no added costs. In other words, you will not spend any more money than if you made a cash purchase.
Finance plans with deferred interest are another option. This form of financing can also keep your costs down, as you can avoid paying interest by paying off the balance within the allotted time. For these programs, the promotional period is usually 6, 12 or 18 months.
What if You Don’t Qualify for Financing?
Financing isn’t for everyone, but if you don’t qualify you have other options.
If you have a doctor’s prescription for a therapeutic chair, your insurance company might help cover the cost. Or, if your medical benefits plan includes a flexible spending account (FSA) or health savings account (HSA), you may be able to get some or all of your costs reimbursed.
In addition, you could explore the idea of putting the purchase on a new credit card or getting a personal loan through a local bank or credit union. And, of course, you can always wait for a great sale – here at Massage Chair Relief, we frequently discount our products.
Are you ready to buy a high-quality therapeutic chair? At Massage Chair Relief, applying for financing is both fast and easy, and we offer a vast range of the finest therapeutic chairs from the world’s leading brands. Give us a call or stop by one of our showrooms to discuss our finance plans or apply for massage chair financing online today!