How does the BrandsMart payment plan work?

Answered on April 27, 2017
Updated on April 27, 2017
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
This is an in-store financing option that allows you to pay off your purchase in anywhere from 12 to 36 months. Here's how it works: when you make a purchase and opt-in to the payment plan, you'll pay a certain amount each month, without paying any interest. If you pay off the entire amount in the given time, then you won't ever pay interest. However, if you don't manage to pay it all off, you'll be charged interest that's backdated to your original purchase date. A far better option is to get a credit card with a low interest rate, or better yet, one that offers a zero percent APR on purchase for the first 12 months. With this card, you will be able to buy other things as well, and you won't be charged backdated interest, ever. You can even get a card with a signup bonus and a cash back offer, so you end up being paid back in rewards, rather than paying interest on your purchase.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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