Anyone used Currys Flexible Finance/IFC recently?

[cheredenine]

I'm in the market for a new TV soon and Currys have some good prices, it seems. I want to spread the payments a bit with a buy now/pay later or 6-9 month interest free credit option, and Currys Flexible Finace thingy fits the bill.

 

Thing is, the repayment options seem weighted towards you having a big chunk to pay back at the end of the interest free period, making it more likely you'd run over and start paying interest - Currys' site suggests the deposit amount and initial monthly payment amount are fixed at a low rate.

 

So... Has anyone used this finance option recently? If so, were you able to pay a higher deposit and/or a higher monthly repayment?

[OutToLunch]

Wouldn't you be better treating yourself to a new CC for Xmas with a 6-9 month interest free on new purchases dealy? I've never come across a store finance package yet that was geared in favour of the purchaser rather than the store!

[cheredenine]

Wouldn't you be better treating yourself to a new CC for Xmas with a 6-9 month interest free on new purchases dealy? I've never come across a store finance package yet that was geared in favour of the purchaser rather than the store!

 

Its an idea i suppose, but i don't really like the things, to be honest. Too much temptation to spend what can't be afforded, you see!

 

Back when i lived in Gloucestershire the fiance and I bought a few whitegoods from Apollo2000 - a chain store that seems limited to the south west. They were great - carried most things in stock, had their own van for deliveries and would discount products with the minimum of arguements. Had a dishwasher from them on IFC and it was a breeze.. Pity they don't have a branch where i live now!

 

So, anyone used Currys recently?