When Computer Financing And Bad Credit Meet

Life has an uncanny way of not caring about timing when it comes to emergencies and economy, which means that the need for computer financing on bad credit is a very real occurrence.  Overall, businesses will base their allowance for loans on past performance of a consumer’s fiscal responsibility.  The idea that prior delinquencies will be on file forever is close to truth, which makes computer financing and bad credit poor “bedmates”.

However, LutherSales has found innovative ways of allowing purchasers to still have access to the products they require by choosing one of our monthly payment plans.  Computers, Phones and Electronics make up over half of all private acquisitions, so in order to keep the market rolling LutherSales saw that computer financing with bad credit needs to become a non-issue, and focus on the buyers current ability to pay for purchases as the key point in extending credit.

Modern Thinking for Computer Financing

When a buyer needs a computer financed, and bad credit appears to stand in the way, it would seem as though the solution could be found in the world of financing as well.  LutherSales looks outside of the scope of ratings and scores, and reviews an applicant’s current income to devise a strategy to connect the buyer with the device they need.  Automation comes into play by making the process of computer financing on bad credit a simple and stress free transaction.  Many employers already use direct deposit and payroll deduction programs to assist their employees in purchasing products needed.

After evaluating the earning level of a potential customer who needs computer financing, but has bad credit, LutherSales will arrange an Agreement for scheduled fees that are deducted from the pay check.  This allows the employee to be able to get a computer financed with their bad credit, and not have to worry about accidentally spending the money on something else.

Computer Financing Using Digital “Piggy-Banks”

This method, for those with computer financing for bad credit histories, is similar to allocating part of the income to a savings account, but does away with the need to be conscientious about making deposits i.e., piggy-bank financing.  By withdrawing the set amount of money monthly, the conditions of the agreement are met and the employee gets to use the item they are paying for.  The bonus of already owning the computer being financed on bad credit is good for employees, the companies they work for, and for LutherSales, since everyone achieves their goals in the end.  Happy Employees are Better Employees.

Finance a TV Without Pain Payments

If you have not established a positive credit rating yet, or maybe you have had payment problems in the past, and are trying to finance a TV, you will probably find yourself in a frustrating and slightly circular situation.  Many stores will try to have you sign up for charge card, which is backed by an outside lender.  When your score is checked, it comes up as non-existent, and/or poor so your application is declined.

However, the best way to build your standing is to charge purchases, so that you can establish a responsible borrowing profile.  Financing a TV could be a good start for creating a positive rating, but it can seem impossible when what you need to is the thing you are trying to generate.  LutherSales has a solution that might fit your financing a TV budget.

The Cost Of Owning Credit Cards

Another issue is that starter cards can often have annual fees and high interest rates that end up causing you to pay much more than the actual cost of your financed TV.  Some providers can have very high APR rates for accounts that are considered higher risk – ours is a simple interest rate.  If your financed TV is purchases through LutherSales, you might be paying as little as $25 -$35 every month.  If you are only able to afford the minimum payment each month, the new flat-screen TV by the time you paid off in the timeframe you choose.

Saving for a Rainy Day TV May Not be the Best for You

Some people decide that they will try to save their money instead of financing a TV, so that they can just own the set without debt.  While this is one solution, it does have drawbacks.  If your delayed gratification makes you feel sad, then waiting to get the new product is not the way to go.  LutherSales has multiple choices to help put a smile on your face when financing a TV.

Even if you are able to set a goal and put some cash away over time, often there are emergencies that crop up and cause the savings to be spent on a necessity, instead of what you really want.  Although accruing the funds can get you past lender bias, it doesn’t help the original problem, which is not having enough credit to traditionally finance a TV.

Decide to Finance a TV Today

A different way to finance a TV so that you can enjoy it now, is to consider LutherSales as we offer our own customized payment plans.  This road of TV financing does have the benefit that it will count towards building your rating.  Using LutherSales credit programs to get your TV financed can solve many of the obstacles that lack of credit may pose.

Give the Gift of Buy Now Pay Later Jewelry

The buy now pay later jewelry solution can be great  when it comes to holidays, birthdays, graduations, or any special occasion where token of commemoration is needed.  For the gift giving person, there is the added benefit of being able to offer a memorable piece of jewelry, while not having to sacrifice the personal budget to do so.  Buy now pay later jewelry ensures that the recipient can be happy in the moment.

Buy Now Pay Later Jewelry Provides a Range Of Options

As a present, jewelry is always appreciated, since it can be used and worn for many occasions.  It also serves as a reminder of the generosity, and care of the individual from which it came.  Jewelry is also a luxury, since people do not always treat themselves to what might be considered an extravagance.  This can make the present even more cherished.  Buy now pay later jewelry allows consumers to indulge their loved ones, and give something truly precious right away, no matter what the cost.  Whether the recipient is male or female, there are choices that will fit all genders, personalities, and aesthetic sensibilities.

Getting Personal with Buy Now Pay Later Jewelry

Charms and pendants are one of the trendy and coveted styles that are in current demand.   These products can be personalized to fit the interests, and activities of different individuals.  Buy now pay later jewelry can create a way to afford one of these special bracelets or necklaces, which can also be specific to the current occasion.  The appreciation of the jewelry is not only the care taken in selection, but also the memory of the situation.  Buy now pay later jewelry gives a person the ability to have the right souvenir for the proper time and setting.

Time And Timing

Another popular article for gift giving events is watches. These pieces are both functional and fashionable. For many people, a watch is a display of both style and affluence for a wearer.  Buy now pay later jewelry gives buyers the opportunity to offer a quality made, distinctive time piece.   Popular name brands can perfectly suit the situation for the receiver, while the purchaser does not need to worry about being set back financially.  Buy now pay later jewelry means that the item can be received soon after the confirmation of purchase.  The payments themselves will be made incrementally over time.  Buy now pay later jewelry lets individuals express their love on their own schedule, and not on that of their financial standing.

Municipal Employee Purchase Programs

With perks like municipal employee purchase programs, small businesses are always looking for new ways to appeal to customers. LutherSales has been offering such programs since 1967.  Building a positive customer-centric reputation among a key demographic has been a great way to differentiate our brand from all the competition.

Our business model focuses on providing affordable monthly payment plans through municipal employee purchase programs so individuals can purchase high quality products.  Others often focus on discounts, but they don’t have the flexibility to deliver longer term payment plans so people can manage their budget responsibly.  Building goodwill has been our way to create terrific repeat business.

Our Municipal Employees Purchase Program

Just like everyone else, municipal employees have needs. Some people in this group are facing financial challenges due to poor credit ratings and buying experiences.  We know that your products and purchasing services needs will be met through a purchase program for municipal employees. But most people do not think twice about how to benefit from that.

Look around yourself at the businesses that have chosen to enact programs like this and you will see that many of them are thriving. Our purchase programs provide buyers with options on how they want to purchase products.  We have Pay In Full, 6-Monthly Payments, 1-2-3 Year Payment plans.  You can provide opportunities for people who may be credit challenges or they need monthly payroll deduction methods to buy the products they want.

A Unique Purchase Program for Municipal Employees

Major cities can employ thousands and thousands of people. Municipal employees are all around us, doing tough and important jobs. That being the case, LutherSales created unique product buying plans for its municipal employee purchase programs. Our municipal employee customers know that a loyalty purchase program is available and applies specifically to them.  We know that being considerate and aware of your their needs, we find our business growing by “word of mouth,” one of the most important means of free advertising available to anyone.

Attracting Loyal Customers with Municipal Employee Purchase Programs

We look at our municipal employee purchase program as a customer loyalty program.  Offering multiple methods of payment including payroll deduction plans make it easy for customers to buy from LutherSales.  It’s a great business development idea, but it takes time for word to spread. People who use our municipal employee purchase programs benefit significantly from the features built into the tailored plans found within our municipal employee purchase programs.

Overcome The Curse Of Bad Credit – Use Buy Now Pay Later

Recent economic downturns have caused many people to end up with bad credit, but buy now pay later options can allow for important purchases to help improve the quality of life.  As the financial state of the country has been struggling with serious challenges, much of the public has resorted to loans and charge cards to solve everyday purchases. However, the inability to maintain regular payments, whether due to downsizing or lay-offs has caused a rise in poor ratings for many borrowers.

As this has occurred, the buying power of numerous consumers has declined.  This has led to further instability in the retail business market.  In an effort to encourage commerce, LutherSales has been helping customers with bad credit to buy now and pay later through responsible monthly financial plans that are based on work history and not credit scores.

Customer Oriented Business Model

Part of our business model has come from the realization that when individuals with bad credit use buy now pay later programs, it helps prospective buyers by answering the “affordability” challenge.  Our financial and sales assistants help buyers with poor financial history to purchase responsibly.  Buy now pay later programs are not loans or cash advances in the same way that charge cards or pay day loans are calculated.  These contracts often do not consider past financial history for qualification.  LutherSales is not basing financial agreements on bad credit, and buy now pay later is based on current earnings instead.

No More Credit Problems

One of the most common reasons for a poor credit rating is failure to make payments on the traditional lending agreements.  This is one cause of bad credit, which LutherSales buy now pay later contracts can help overcome.  Our methods of providing customers with products actually bypass the possibility of non-payment by setting up automatic withdrawals. The payments can be pulled either from a direct deposit account or directly from payroll.  The result is reduced risk to the Company and assurance for the customer with bad credit that buy now pay later will not further harm their credit scores.

Buy Now Pay Later Plans Help Credit Scores

LutherSales really does have our customer’s best interest in mind.  For individuals who have bad credit, buy now pay later agreements encourage people to purchase high quality furniture, computers, appliances, TVs, etc.  by providing flexible monthly payment plans to fit any budget.  This type of purchase also allows households to maintain a good standard of living.   People can get the products they need in order to remain productive and comfortable.  Removing the stigma of bad credit with buy now pay later options improves society’s wellbeing and encourages long-term economic stability.

Planning Retreats on Credit

Getting away for a few days can help you relax and recharge, and planning out retreats on credit is one of the best options there is for making sure that your getaway becomes a reality. More and more people are taking retreats on credit thanks to the numerous advantages, agreeable terms, and the fact that it helps eliminate stress in a big way.

The Basics – Retreats on Credit are Great

To start with, you’ll need to figure out a couple of basic things. The first is where you’re going. Taking retreats on credit means that you can go almost anywhere, so spend some time looking at your dream destination. Cruises, resorts, ski lodges, quiet cabins in the mountains, and nearly anything else will be possible when you plan out retreats on credit. Think about who you’re traveling with, what you want your trip to include, the more details you collect ahead of time will help ensure a pleasant experience.

Now consider what will be covered by the credit line you need. Usually, accommodations, airfare, cruise tickets, and other large expenses are the focus of credit. However, you should also look into “package deals” that include activity passes, family excursions, and other items. This frees up much of your spending money so you can enjoy yourself. But not all retreats on credit are the same, so be sure that you know what you will have covered and what you won’t to make it easier to plan out accordingly.

Planning Smart Retreats on Credit

There are numerous options out there for those looking to take retreats on credit, and it’s important that you pay attention to every aspect of them. Don’t just take the first deal you see. Look at things like credit amount, what it covers, interest rates, flexibility in payment terms, and more. Also look into what kind of down payment you may need to make.  LutherSales and its affiliate company, Vacationwiser.com provides packaged vacations and retreats with no money down and easy credit terms… even if your credit is not really great.

The reason that taking retreats on credit sometimes gets a “bad rap” in some people’s minds is simply that they didn’t plan smart. As long as you take the time to make the right decisions for your trip, this remains one of the best ways to get away for a few days and really enjoy yourself. It’s all too easy to overlook the fine print in some offers, but not LutherSales as we provide a totally disclosure of all fees, costs, and payment terms.  As long as you plan smart, taking retreats on credit is sure to give you a better, more enjoyable, less stressful, and more memorable trip that you and your travel partners will love.

Rent To Own Furniture Is Hassle Free Comfort

Next to buying a car or a house, furniture is one of the larger ticket item purchases that consumers make and rent to own furniture can bridge the gap between being relaxed and being stressed by finances.  The idea behind rent to own furniture is that you can take it home and use it while payments are being made to the store.  Unlike layaway, which holds the items at the retail location while you send cash and wait for it to add up, rent to own furniture is yours, in the sense that you have it enjoy before it is fully transacted.  This option lets you see your money at work, and provides instant gratification, or fulfillment of need.  If your refrigerator breaks and your credit rating dictates that you have to make all your purchases up front, then you don’t want to have to rely on a plan that has you paying while your food is spoiling.

You Are Your Own Financial Backer

The way that rent to own furniture provides risk free solutions to both the consumer and the vendor is that it works on payment history and not credit ratings.  Your paystubs act not only as proof of income, but also as assurance of ability to reimburse.  This creates a sliding scale scenario, where your monthly charges will be as much or as little as can be afforded by what you make.  To create even more simplicity with rent to own furniture, the remuneration will be taken directly out of your salary, so that you don’t need to worry about accidentally forfeiting on the agreement.  This way, you get the most out of your rent to own furniture and build a good financial standing without stress or worry.

Your Money Does The Work

Rent to own furniture also has the benefit of overall interest figured into the charges that are garnered from your check.  Each payment figures the amount in to the total, so that you know exactly what is owed, and that number stays stable through the duration of the contract.  Instead of accruing over time, the percentage is calculated based on the time span that is chosen, and if you complete the payments early, you will get a reimbursement for doing so.  Rent to own furniture can take the stress out of sudden emergencies like appliance failure and allow you to take care of your household in a timely and affordable manner.

Taking Vacations On Credit

Taking vacations on credit is something that people have been doing in one form or another for years. While the most common option is to use credit cards to take vacations on credit, many others have found that loans or vacation credit companies offer a better choice for them. Vacationwiser if one of those companies.  We not only search for the “best deal”, but also provide monthly payment financing.  No matter what choice of vacation you choose, there’s no doubt that taking vacations on credit offers a lot to love.

Simplifying Your Trip

Taking vacations on credit makes the planning stage a lot easier for everyone. There’s no need to spend months or years saving up cash and hoping that you have enough tucked away to really enjoy the trip. And with the potential cost of vacations rising, there’s a chance that your vacation will always stay a few steps out of reach. But when you plan vacations on credit using Vacationwiser.com, you get the money you need, pay for the trip, and enjoy yourself. Our buy now – enjoy now – pay later plans are great for those who like to pay a simple monthly amount over time.

You don’t have to worry about micro budgeting every aspect of the trip, either. Taking vacations on credit lets you use the money you’ve saved up for having fun while the major expenses are covered by the credit being offered. We help ensure that you actually enjoy your trip instead of stressing over every dollar you spend while you’re on your getaway.

Plenty Of Options

There are so many choices when it comes to taking vacations on credit that you may be overwhelmed, particularly when deciding where to go. You can use credit to take vacations almost anywhere including:

  • Resorts
  • Cruises
  • Ski Trips
  • Theme Parks
  • Beaches
  • Cities
  • And More

In other words, no matter where you want to go, Vacationwiser.com can help you plan your trip without worrying about coming up with the money. People take vacations on credit every day to almost anywhere imaginable.  We offer thousands of destination vacations…

There are several options available for financing your vacation. Credit cards aren’t always the best option since some people may not have the credit limit or acceptable interest rates.  Vacationwiser is unique when it comes to helping plan vacations on credit.  Our purchase programs are straightforward to find one that can offer you the kind of service you need. We even help you plan out your vacation to ensure you get the most from the trip.

Affording a great vacation isn’t as difficult as you might think. Vacationwiser.com helps you take vacations on credit and as such, has become one of the most popular ways to get away for a few days – with good reason.

Even With Bad Credit… Furniture Financing Is Easy

The couch has a permanent indent that matches the contours of your body, but with your bad credit, furniture financing seems like an impossibility.  LutherSales has made it their “business” to provide other options that can bypass your poor credit rating and allow you to relax in peace and comfort again.

We use monthly allotment and payroll deduction programs to help customers make larger purchases, and pay for the items over time.  For people with bad credit, furniture financing through an LutherSales can also remove the stress of having a history check, which can also adversely affect an already shaky score.

No Stumbling Blocks

Many of us know that furniture financing when bad credit is an issue, the seller is essentially a “stumbling block” to making a purchase for a family’s needs.  The idea is that you work out a personal installment payment plan with the LutherSales overcomes the bad credit that impedes financing your furniture in the past.  What is innovative about our approach is the fact that a familiarity between the customer and their employment history can become the basis for furniture financing, and bad credit is no longer an issue.

Try Our Unique Approach

Our sales and financing approach on a socio-economic level, it is also a way to rekindle community business mentality, which builds a greater trust in consumers, and can inspire purchases that may otherwise be put off.  Many big business approaches that are based upon past lending histories preclude individuals from making a current purchase creates an economic decline.  When bad credit impedes furniture financing, then no further money is going into the market.  We have found the idea of store based furniture financing for bad credit purchasers is a service offered by few.


LutherSales adopted this business model as a way of helping people with bad credit finance furniture and as such, we have found that not only have our sales increased, but we have also evoked long-term loyalty with customers.  The trust that happens between us and our customers has made for a strong company.  Our return customers know that they will be treated fairly and responsibly, and this leads to long-term relationships.  The new sofa becomes an appreciated realty since even with bad credit, furniture financing is now possible.

Some New Homeowners Face Financing Furniture with Bad Credit

Buying a home is an exciting experience, but it also creates a responsibility base that is made more difficult after going through a bank loan process.  So when it comes time to furnish the new house, some owners are hit with financing furniture with bad credit.  The act of getting a mortgage will help to raise scores over time, so long as there are no delinquencies on monthly payments.  But directly after getting approved, the borrower often discovers that they need financial help other than using a credit card to assist them in financing furniture with bad credit.

Moving to Your New Home Brings Challenges

For those moving into a newer, and larger, space, filling the rooms is not just an aesthetic choice but a needs-based decision as well.  Upgrading from a rental apartment can mean that the furnishings have not transferred with you, since they were a part of the former domicile.  Combine this with the fact that many Americans have been negatively impacted by the U.S. economy during the past few years, finding themselves in financial constraints.  Thus, financing furniture on bad credit becomes a necessity and not just a decision to redecorate.  LutherSales offers purchase programs tailored to this segment of the market.  Therefore, this can open up a renewed excitement that would otherwise have been staunched by trying to finance furniture with bad credit.

Contracts that Fit Your Financial Situation

Retailer payment plans that are not based on national banking loan rates offer flexibility and a wider scope of budgeting.  This can turn financing furniture with bad credit into simply getting the items you need without worry.  Our Personal Shoppers help customers choose exactly the payment terms that fit into their monthly financial schedule.  This creates a freedom for financing furniture on bad credit, rather than a fear.  LutherSales’ plans will vary according to what can be afforded on a long-term basis, rather than what can be paid for on the spot.  There are also options to update these contracts over time, so that if employment or financial status changes, adjustments may be made.  Overall, this type of agreement will actually help credit score rating, so that financing furniture with bad credit can become and investment in future buying power.