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The following article was published in our article directory on July 11, 2011.
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What are Interest Free Loans

Article Category: Finances

Author Name: Peter Higgins

A lot of retail stores these days provide credit to their customers so that they can afford to purchase big-ticket items such as furniture, electronics and even vehicles. This definitely falls under retail finance wherein the consumer can purchase expensive items through a payment plan that doesn't involve quick loans or other guaranteed loans. Most stores offer this option to their customers so that they would not lose the sale over these big-ticket items.

It is indeed beneficial for consumers to have an option like these interest free loans so that they don't have to apply for fast cash loans that charge a ton for the interest. Within a certain period of time, the customer won't be charged any interest on the purchases made. For most merchants, this is a period of 12 to 24 months.

These interest free loans may seem a little too good to be true. The truth is that if you are knowledgeable about consumer finance, you will more likely benefit from this great deal. However, if you don't know a thing about consumer finance, you might end up with a greater loss and a messed up financial life.

To keep this from happening, here are some strategies that will equip you on what to do whenever you are being offered retail finance by some stores:

1. Always remember that it is only interest-free if you are paying within the set period. Once the period ends, you will be charged the interest rates so make sure that you have completed the payments within the given period. The rates are usually twice than a credit card's so always see to it that you have finished paying for the full amount before the payment period ends.

2. You might be asked to pay only a minimum amount each month. While this may seem like budget-friendly, in the end you might end up with more expense rather than actual savings. If you only pay the minimum , your loan will not be finished by the time the interest free loan period ends. That is why you need to make sure that you don't follow the suggested amount; instead follow the amount that you should pay so that you will be finished paying it off by the end of the payment plan.

3. Interest free does not include other fees. You may still be charged a fixed fee when you take on the retail finance loan . Make sure you check the fees to be sure that you are not being overcharged.

4. To get the most savings in your purchases, you should always check the purchase price of the item that you purchased. Some stores may be charging more than other stores for the same item letting you think that offering you retail finance is to your benefit.

5. Be cautious in reading the fine print before you sign any contract or agreement. These words are very important to keep you well-informed of your decisions as well as what you have gotten yourself into with these interest free loans.

Keywords: finance direct, retail finance, corporate finance, consumer finance, interest free loans, fast cash loans, quick loans, guaranteed loans, finance online

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