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Now Offering Finance

Discussion in 'Countryway Gunshop' started by the-countryway, Aug 24, 2018.

  1. the-countryway

    the-countryway Posting Addict

    Messages:
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    Location:
    West Malling, Kent
    We can now offer finance in store on anything over £250.
    Finance facilities will also be available on our website once we have it all integrated.
     
    mulletman6, Tim_B and Issac like this.
  2. how much will the interest be ?
     
    ibo7 likes this.
  3. ibo7

    ibo7 Keyboard Hero

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    Location:
    Northampton
    Interest-free would grab my attention, it's the only way I am willing to do finance
     
    mmamonster and TheNewbieShooter like this.
  4. the-countryway

    the-countryway Posting Addict

    Messages:
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    Location:
    West Malling, Kent
    The finance interest is 19.90% with Omni Capital. For us to be able to offer 0% we would get charged a fee and as we try and keep our prices as cheap as possible we just don't have the margin to offer 0%.
    I don't think there are many gunshops currently offering 0% on the guns.
     
  5. If there isn't many then surely you would want to start. If company's aren't doin something that the customer wants and then you start it, surely your company would be there first port of call bcus your catering for your customers wants/needs. Just a thought
     
  6. shergar

    shergar Busy Member

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    Never yet found a true, "interest free", deal. Either it's more expensive than can be bought elsewhere or it's linked to a specific repayment date which. if not met, leaves the purchaser liable to excessive interest charges from day one. Reminders will not be sent until you are locked into the high interest. People making payments of £800 for an "interest free" TV costing £400 is not unusual.
     
  7. ibo7

    ibo7 Keyboard Hero

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    Location:
    Northampton
    Shops like Argos offer interest-free on any item over a certain price, such as 12 months on an item over £399 for example. I guess it's the volume of sales that allows them to offer that. It's a shame airgun shops can't offer the same offers, it would encourage more sales.
     
    TheNewbieShooter likes this.
  8. Issac

    Issac Posting Addict

    Messages:
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    Location:
    Mid Devon
    Finance is the only way some people will get the kit they want. I remember saving hard for something I wanted, almost got there and the car broke down. The money I had saved had to be used. Had to start saving again. Then the washing machine needed replacing.....

    So yes, I would use finance, either in store or a credit card. Life is too short just to be wishing I had a nice rifle/scope etc.

    So thank you @the-countryway for making shooting more accessible to more people.
     
  9. the-countryway

    the-countryway Posting Addict

    Messages:
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    Location:
    West Malling, Kent
    For us to be able to offer 0% we would need to put all the prices up to cover the high fee the interest company will charge us on a transaction. This fee approximately 25%.
    25% on a gun which would be say £1000 is much much more then what we actually earn on a rifle.
    Larger companies like Argos as someone mentioned earlier, must be able to offer 0% due to the volume.
     
    ibo7 likes this.
  10. Mike_H

    Mike_H Donator

    Messages:
    132
    Likes Received:
    2
    Location:
    Dudley
    If you want buy now pay later then you should expect to be charged interest for borrowing that money - how else is the finance company going to cover their costs or make a profit if they can’t charge for it? It seems the only way is to charge Countryway a fee, which is then passed on in the cost of the goods purchased on credit.

    If you want interest free credit then get a 0% on purchases credit card.

    As said above, good luck to Countryway for offering this as another way to fund a rifle as long as you are fully aware of what you are getting into.
     
    NIVEA and Scots Bob like this.
  11. Oat

    Oat Very Active

    Messages:
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    Well done.

    0% is available to nearly everyone with with clean history. Most credit cards are giving 2 years interest free on purchases. Job done!
     
    UnionJackJackson and mmamonster like this.

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