Buying an air purifier outright isn’t something most people are comfortable with.
This is especially the case if they’re going for a more premium model that costs a good chunk of money.
When I first bought my premium air purifier, it cost around $500, and at the time, I wasn’t in a position to pay for it in full on the spot.
So, I explored a range of air purifier payment plans and went for the best one that I could find at the time.
This article is for you if you’ve found an air purifier and would rather pay for it over a few months or years.
In the following sections, I’ll discuss air purifier payments and how you can find good payment plans.
I’ll also discuss what you might need when using a payment plan and other helpful information.
After reading this article, you’ll be fully equipped with the necessary knowledge to make the right decision for your needs and financial situation.
What is the Purpose of an Air Purifier Payment Plan?
Payment plans are available at nearly every store selling air purifiers- online or in retail.
These payment plans allow people who can’t afford an air purifier in full on the day but can pay for it over a few months or years.
Most air purifier payment plans span 3, 6, 9, or 12 months.
Remember that air purifier payment plans usually mean you pay more in the long run.
This is because some air purifier payment plans come with an interest rate.
So, you will be charged a certain percentage of the total price on top of the money you owe every month.
If you find the right plan, these interest rates won’t be that high, so you definitely get your money’s worth.
But you could pay significantly more for your air purifier when the interest rates are high.
In that scenario, it’d be better if you just saved up and paid for it in full.
That said, some payment plans come with 0% interest.
Those are the ones I always try to get when buying not just an air purifier but any appliance for my home.
How Do I Find Air Purifier Payment Plans?
While you can finance an air purifier using an external company, most retailers already have an agreement with a financing firm that takes care of their payment plans.
So, if you find an air purifier you like and want to pay for it over a few months, just ask the store if they have payment plans available.
That said, it’s essential not to go for the first payment plan.
Instead, I recommend you shop around and find the best rate possible.
That way, you can get yourself the best deal possible.
What’s worth noting is that a lot of the air purifier payment plans will come with an interest rate, which will mean that you’ll pay more in the long term.
Ideally, what you want to look for is a 0% interest rate payment plan.
That way, not only will your payment be split over a few months or years, but it will also cost you zero extra dollars.
Granted, buying your air purifier online makes you more likely to find these rates.
Say you buy the best air purifier for pregnancy from Amazon and pay using PayPal; you can split the payment over a few months at zero extra cost.
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What Are the Requirements to Get an Air Purifier Payment Plan?
Different stores may have their own requirements for those interested in a payment plan.
Some retailers may ask for more than a valid ID, like income statements, to make sure you can afford to pay the monthly installments.
The latter applies if you’re buying an expensive air purifier that costs over a thousand dollars.
For example, if you buy the best air purifier for allergies, which costs $300, you won’t be asked for income statements.
This is why it’s best to speak to the personnel at the store or message the store if shopping online.
You can ask for the full list of requirements and a breakdown of how to apply for their air purifier payment plan.
Should I Buy My Air Purifier with a Payment Plan?
Just because you can pay for your air purifier over some time rather than in full doesn’t necessarily mean it’s a good idea.
In my opinion, you should only buy an air purifier with a payment plan if you can already pay it in full and want to build up your credit score.
Not only that, but I’d only opt-in for a payment plan if it was a 0% interest.
Otherwise, I might end up paying more than the unit’s original price because I get the luxury of paying for the team over time.
Granted, everyone has different needs and is in a different financial situation.
So, it’s best to analyze your situation and do what is best for you.
Things to Consider Before Agreeing to a Payment Plan
Like I said above, just because you have the option to buy an air purifier and pay for it over a few months to a year, that doesn’t mean it’s a good idea.
So, here are a few things I’d like you to consider before signing the agreement.
Can You Afford to Pay All Your Primary Bills On Top of the Payment Plan?
Unless you’re looking for an air purifier for COPD and the air purifier will dramatically increase your quality of life, such units are more of a nice-to-have than a necessity.
So, go back to the drawing board, check your budget, and see if you can afford to pay for the air purifier payment plan on top after all your essential bills are out.
Is There Interest On the Payment Plan?
I personally would never opt-in for payment plans unless they are 0% interest.
That way, I can enjoy the luxury of paying for an appliance over a few months or years without paying a penny more.
Not every store will have such deals, so you must shop around.
And even if you can’t find a 0% payment plan for the air purifier you want in your local stores, you can always check the internet.
The possibilities for a good deal online are endless.
The Duration of the Payment Plan
If you have decided to ignore my advice and go for a payment plan with an interest rate anyway, please consider the payment plan’s duration.
The longer the payment plan spans, the more you’ll likely pay on top in the long run.
Even if you’ve decided to go for a 0% interest rate payment plan, I recommend looking at the duration of the agreement.
Being in debt isn’t a good place to be in, and if you agree, you want to get the shortest possible term (that you can afford).
That way, you’ll have an air purifier and be out of debt for it in no time.
Air purifier payment plans offer a flexible and accessible way for people to buy air purifiers without paying that much upfront.
However, some air purifier payment plans come with high-interest rates disguised in lower monthly payments.
You must check the different payment plan options and read the fine print before signing any deal.
That way, you, the customer, fully understand what you’re getting into and know you’re getting the best deal possible.
With a good air purifier payment plan, it will be easier for you to pay for an excellent air purifier.
And you’ll instantly notice the difference that clean air at home can make!
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