The kitchen is the place of all exchanges and shared pleasures. To have fun without breaking the bank, we suggest you discover the best rates for kitchen credit.
Who offers a kitchen credit?
In the vast majority of cases, a kitchen loan is a loan allocated to a sale. It can also take the form of a work loan or a personal loan. it is therefore offered either directly by kitchen designers, by major brands of home equipment or directly by financial organizations.
Best kitchen credit rate
To find the best kitchen credit rate, we very often read all the rates from all the major credit agencies. Our credit comparator allows us to offer a tailor-made ranking (whatever the project, for all amounts and all durations.
Far from being content with simply classifying the best APR rates for kitchen credit, our tool provides an immediate response in principle to any request. This brings two major advantages:
- A real indication of the best kitchen credit rate that can be obtained.
- A proposal for consumer credit for cooking at the best rate. All subsequent negotiations will be much easier on this secure basis.
Thanks to our comparator, you are sure to find the best rate of credit online. How to compare it to the kitchen credit of kitchen sellers? Well, it’s quite simple. First of all, be aware that it is quite rare for the kitchen credit rate to be attractive in stores. Except when the commercial animation is centered on the credit. In this case it is not uncommon to see credit promotions that go as far as free credit.
But all that hides 2 problems: the free kitchen credit is often on a short duration, in general, it does not exceed 24 monthly payments. This means that even if you benefit from a 24-time kitchen credit at no cost, considering that an equipped kitchen costs around 8,000 USD, the monthly payments still amount to $ 400 per month.
The second problem is that if you get a 24-time free kitchen credit, the kitchen designer will give you a lower discount on the price of the kitchen. It is rather logical, it will not lose on all the tables. However, negotiating the price of the kitchen can in certain cases prove to be very profitable financially.
Save on your Kitchen Credit
The role of a credit comparator is above all to avoid paying too much. We will therefore take an example with a credit of 10,000 USD through a work credit over 60 months:
- Least expensive rate: 4.90% monthly payment: 187.77 USD / cost of credit: 1266.20 USD
- Most expensive rate: 7.89% monthly payment: 200.94 euos / cost of credit: 2056.40 USD
Or almost 800 USD more for exactly the same kitchen loan of 10,000 USD! For the same! and the most expensive credit institution is probably the best known. Like what, getting the best rate is not just a matter of principle, there are real savings to be made.
Kitchen credit at the point of sale
When it is in the form of credit allocated to a sale, the kitchen credit is offered directly by the kitchen designer (kitchen seller). In general, sellers work with several credit agencies. You can therefore subscribe through them as well to a Viloan, Bankate, Zaloan or even Astro Finance work loan. It is only on reading the credit contract that the intermediary will be displayed black on white.
Our advice for kitchen credit at points of sale is to be very attentive to promotions. It happens very punctually to have ultra attractive offers on credit, even credit at 0%. But in this case, the dividends on the kitchen may be less important. If there are no big credit promotions, it is best to take a kitchen loan in the form of a work loan from a large organization, making sure you have the lowest rate. We will explain how!
Kitchen credit through a work loan
In most cases, it is with this formula that you will get your kitchen at the best cost. First, if the kitchen designer does not make you a big promotion on credit, it is because he will focus his reductions on the price of the kitchen. So negotiate the price of the kitchen as much as possible. To find the best rate of kitchen credit, you will go through a work credit with an organization. And for that no problem, you can use our credit comparator by choosing the “work loan” category, you will get the cheapest kitchen credit of the moment.
Kitchen credit through a personal loan
You can also decide to go through a personal loan to make your kitchen credit. This type of loan is not assigned to anything. It is a little more expensive than the work credit but it has the great advantage of being a credit without proof. In other words, you will not have proof of purchase of kitchen to send to the credit organization to get your loan while for a work loan you will have to do it.
Kitchen credit for furniture and appliances
Naturally, through a kitchen credit, you will be able to finance the furniture and appliances of your kitchen, but also its break. Now, if you wish, it remains flexible. Just check that you are still benefiting from the best rate kitchen credit.