Blinds: Pay Weekly, Pay Monthly & Bad Credit Options
Buying new blinds can be expensive but going without them is often not an option as they're an important part of making your home comfortable.
Fortunately, there are many options available if you're looking to buy blinds on credit and in this article, we've laid out some of the best options and a number of retailers that have helpful plans in place to help you afford your new blinds.
Can I Pay Weekly For Blinds?
If you'd prefer to pay weekly for your blinds, there are plenty of retailers out there that allow you to pay in weekly instalments. The retailer will usually allow you to choose the day that you make your payments to make sure that it's convenient for you.
The payments will be paid via a recurring direct debit, and weekly payments are usually interest-free and don't include hidden fees.
Can I Pay Monthly For Blinds?
If you choose to pay monthly for your blinds, the process is similar to paying weekly, but you will choose one day during the month when your payments will be taken out of your account. This will also be done by a recurring direct debit.
As with pay weekly payment plans, if you pay monthly, there is usually no interest to pay and no hidden fees. Most retailers will ask you to pay a deposit first, and the amount will be agreed upon beforehand.
Can I Buy Now Pay Later For Blinds?
Many retailers offer Buy Now, Pay Later plans which are also known as Point Of Sale Instalment Loans. If you choose this option, you can purchase your blinds by paying a small deposit and then agreeing on a plan with the retailer for how you will pay off the rest of the balance over time.
You should be able to choose when your repayments begin and how many instalments it will take for you to pay for your blinds.
Buy Now, Pay Later plans are typically very easy to get approved for and don't usually involve any interest payments or hidden fees. If you choose to Buy Now, Pay Later, your credit rating won't be affected, but it could be damaged if you fail to make a payment or are late making one.
Are There No Credit Check Options Available?
If you're concerned about being accepted for credit when buying your blinds, then finding a retailer that offers No Credit Check options is a good idea. This means that the retailer won't check your credit rating before you purchase your blinds on credit.
For this type of credit, applicants are usually automatically approved as long as they meet certain requirements such as being over the age of 18, being a UK resident and proving that they are able to afford the weekly or monthly repayments.
What If I Have Bad Credit?
Having a bad credit rating can feel like a burden as it makes getting credit difficult, and it's frustrating when you know that you would be more than able to pay off the repayments of a loan.
However, many blind retailers have options in place for people with bad credit ratings and will often have payment plans that a designed specifically for this.
If you have a bad credit rating, a good option is to take out credit with a retailer that will allow a friend or family member with a good credit rating to co-sign your credit agreement.
The co-signer will act as a guarantor if you are unable to make any payments which means you'll be accepted for credit even with a bad credit rating.
This is not the only option if you have bad credit, and many retailers will offer layaways, in-store credit cards, and also No Credit Check loans to help people with bad credit ratings purchase their blinds.
Are Rent-To-Own Options Available?
A lot of retailers offer what are known as Rent-To-Own options, and this is one of the most flexible ways to buy blinds on credit. With Rent-To-Own, you pay a small amount upfront and then pay off the rest in weekly or monthly instalments on a day of your choice.
Whilst you're paying off the balance, the blinds still belong to the retailer, which means that you can return them to the retailer at any time if you're no longer able to continue making the payments.
Retailers that offer Rent-To-Own options will also usually give you a lifetime reinstatement which means that you can take the blinds back again once you're able to continue paying for them. If you did this, the payments that you'd already have made towards the blinds would still stand.
Rent-To-Own transactions are also not credit-checked beforehand, and your credit rating isn't affected if you fail to make a payment.
Can I Apply For Finance?
The vast majority of blind retailers in the UK have a wide variety of finance options available for people looking to pay for their blinds on credit.
If you have a good credit rating, then you will have no problem being approved for credit by any retailer, but if you have a bad credit rating, you may have to browse several retailers to find some that have credit options in place for this.
Stores To Buy Blinds On Credit
Pay Weekly Carpets
Who they are?
Established in 2015 in West Yorkshire by the Addy family, Pay Weekly Carpets has grown to become the biggest pay weekly flooring company in the UK.
They currently have depots in Birkenhead, Swindon, Bradford, Keighley, Middlesbrough, Colchester and Belfast and are planning to expand into Scotland.
What do they sell?
Pay Weekly Carpets has a huge range of products at great value, including sofas and carpets, as well as many different blind types such as Venetian blinds, roller blinds, Roman blinds, blackout blinds and vertical blinds.
What is the APR rate?
If you buy your blinds on credit from Pay Weekly Carpets, there is 0% APR to pay, and there will also be no interest and no hidden fees.
How to order
To order your blinds, you simply select the product online and then pay your deposit. You will then start to make your repayments whilst your blinds are manufactured, which can take between 5 to 6 weeks. Once they're ready, a delivery and installation date will be scheduled.
How to obtain credit
Pay Weekly Carpets offers No Credit Check finance on all of its products, and applicants are automatically approved for credit.
What are the payment terms?
You will pay weekly for your blinds over a fixed amount of weeks and then £1 a year. However, Pay Weekly Carpets waives this £1 yearly payment as a goodwill gesture.
Easy 2 pay
Who they are?
Easy 2 Pay is an online retailer based in Halifax that sells a wide range of high-quality products at an affordable price. They pride themselves on their finance and credit options that help people to spread their payments and afford the products they need.
What do they sell?
They offer a wide range of products at good value, including flooring, beds, furniture, sofas and faux-wood Venetian blinds in several colours.
What is the APR rate?
Your repayments to Easy 2 Pay will not include any APR, interest or hidden fees.
How to order
To order, you first need to book an appointment online or over the phone. A representative will then visit you with fabric samples and take measurements for your made-to-measure blinds.
After you've paid your deposit and three of your weekly payments, your blinds will be delivered and installed.
How to obtain credit
Easy 2 Pay has a No Credit Check policy, and all applicants for credit are automatically approved. This is particularly beneficial if you have bad credit or no credit rating.
What are the payment terms?
You'll pay weekly for your blinds from Easy 2 Pay on a day that suits you, and the repayments can start from as little as £10 a week.
Blinds Paid Weekly
Who they are?
Blinds Paid Weekly was established in 2020, and its company office is based in Bridlington. They currently cover several areas of the country, including York, Doncaster, Whitby, Bridlington, Scarborough, Hull, Pocklington, Grimsby and the surrounding areas.
What do they sell?
As well as many different styles of blinds, Blinds Paid Weekly also sell flooring and carpets.
However, their main focus is on good value made-to-measure blinds in many colours, and their range includes both bathroom blinds and kitchen blinds. The styles of blinds they offer include Venetian blinds, roller blinds, vertical blinds and Roman blinds.
What is the APR rate?
Blinds Paid Weekly has a 0% APR rate.
How to order
Firstly, you will book an appointment, and one of their sales advisors will bring you fabric samples so that you can choose your perfect blinds. After you've paid your deposit and chosen your fabric samples, Blinds Paid Weekly will be in touch to arrange an installation date.
How to obtain credit
Blinds Paid Weekly offers No Credit Check finance on all of their products, so there's no need to worry if you have bad credit as all applications are automatically approved.
What are the payment terms?
You can choose to either pay weekly or pay monthly, and the deposit is £40.
Studio
Who they are?
Studio is a multi-channel brand that was first established in 1962 and has been in operation for over 50 years, selling a vast array of products.
What do they sell?
Studio sells many styles of made-to-measure blinds, including roller blinds, Roman blinds, and Venetian blinds.
What is the APR rate?
The variable APR rate on Studio's products is 39.9%.
How to order
Simply order your items online and then select the payment option that is most suitable for you. Studio offers Buy Now, Pay Later plans on all of their products.
How to obtain credit
Studio will carry out credit checks before agreeing to accept your credit application, so if you have bad credit, you may need to find a different retailer.
What are the payment terms?
For all of Studio's payment options, you will first need to pay a deposit and then you can choose to pay weekly or to pay monthly.