What type of credit do I need to be eligible for special financing at Dillards?
Answered on Tuesday, June 28th, 2016 by
Amy Miller

Special financing at Dillard’s is done through their credit card. So you would need credit that is worthy of receiving their card. Which I would expect to be fair credit in the least. However, I would avoid any kind of special financing. It is usually associated with hefty fees and penalties. Many store cards advertise “no interest” or “interest free” financing when in reality they are actually implementing a policy of deferred interest. This means they will hold off on charging interest for a specific timeframe. If you do not pay the entire bill within that timeframe, not only will you be charged interest from that point on, but you will also have to pay interest back to the original date of purchase on the entire amount. Many people don’t realize these conditions so it’s not that they couldn’t pay or didn’t pay, it’s just that they didn’t know better. So always be sure to read the type of agreement you are getting into.

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