Investing in new windows is a smart move that can elevate both the appearance and energy efficiency of your home. However, the commitment can be significant, making it important to understand your financing options. At CR Smith, we offer a range of tailored financing solutions designed to help you make this important investment without straining your budget. In this guide, we’ll walk you through everything you need to know about getting your new windows on finance with CR Smith.
Why finance your windows with CR Smith?
Replacing or installing new windows is an investment that has both immediate and long-term benefits. It improves your home’s energy efficiency, enhances your comfort, and should you decide to sell, adds to your property’s overall value. Financing such an investment requires careful consideration, which is where the CR Smith flexible payment options come into play.
By getting you windows on finance with CR Smith, you can spread the cost over manageable monthly payments, allowing you to invest in the best windows now and pay over time. Our financing plans are designed to be as flexible and affordable as possible so you can enjoy high-quality windows without financial strain.
Window finance options from CR Smith
At CR Smith, we understand that every homeowner’s situation is unique. That’s why we offer a variety of financing options tailored to suit different budgets and circumstances. Here are the unbeatable financing solutions we provide:
HomePay from CR Smith
HomePay from CR Smith is the latest and most flexible of our financing options, allowing you to manage your repayments over a longer timeframe,
It means you can upgrade your windows from as little as £99 per month*, defer the first payment for 12 months and then spread the cost of your new windows over 24 to 120 months.
Pros:
- Buy Now, Pay Later. HomePay allows you to defer your first payment by 12 months.
- Unbeatable finance rate of 3.9% APR.
- Fixed monthly payments – your monthly payment won’t change over the duration of the loan.
Cons:
- Interest is calculated from the start of the agreement, meaning it will accrue over the deferral period.
Interest-free credit
CR Smith offers interest-free credit on new windows. One of our most popular options, it allows you to spread the cost without paying interest. This plan typically involves a deposit followed by equal monthly payments over an agreed period, making it easier to manage your finances while upgrading your home.
Pros:
- No interest charged, so you only pay for the cost of the windows
- Fixed monthly payments
- Allows you to invest in high-quality windows now and pay over a period that suits your budget
Cons:
- Requires a deposit – payable upon completion of your window and door installation
- May have a shorter repayment period compared to other options
Low interest rate finance
For those who prefer to spread the cost over a longer period, CR Smith offers low-interest rate financing. This option allows you to make smaller monthly payments over an extended term, keeping interest rates as low as possible to minimise the overall cost.
Pros:
- Lower monthly payments
- Longer repayment period
- Competitive interest rates
Cons:
- Interest is charged, increasing the overall cost compared to interest-free options
Buy now, pay later
CR Smith also offers a buy now, pay later option, perfect for those who want to delay payment. This plan allows you to have your new windows installed immediately but defer payments for a set period, often 6 to 12 months. During this time, you can choose to pay off the balance in full without any interest, or once the deferment period has ended, choose to spread repayments (the cost of the windows plus interest) over a timeframe to suit you.
Pros:
- No immediate payment is required
- Flexibility to pay off the balance interest-free within the deferment period
- Gives you time to save up or manage finances
Cons:
- Interest will apply if the balance is not paid within the deferment period
- Requires careful planning to avoid interest charges
Flexible payment plans
Understanding that every financial situation is different, CR Smith offers flexible payment plans tailored to your needs. Whether you need to extend your repayment term or adjust your monthly payments, we work with you to create a financing plan that suits your budget.
Pros:
- Customisable to fit your financial situation
- Options to extend or shorten the repayment period
- Helps manage your finances more effectively
Cons:
- May involve a higher overall cost depending on the flexibility required
- Terms and conditions may vary based on individual circumstances
Key considerations when choosing CR Smith window finance
When selecting the right financing option, several factors should guide your decision:
- Interest rates and terms
Evaluate the interest rates and repayment terms for each financing option. With CR Smith, you have the advantage of choosing between interest-free options and low-interest plans, depending on your budget and financial goals. - Monthly payments
Consider what you can comfortably afford in monthly payments. Felxible payment plans from CR Smith allow you to adjust your repayments to suit your financial situation, making it easier to manage your budget. - Repayment period
The repayment period can vary from a few months to several years. Choose a plan that offers a repayment period that aligns with your financial planning. Longer period mean lower monthly payments but may increase the overal cost due to interest. - Upfront costs
Some financing options require an upfront deposit, while other may offer deferred payments. Consider your immediate financial situation and choose a plan that either allows you to make an initial payment or defer it based on what suits you best. - Flexibility
Life is unpredictable, and your financial situation may change. CR Smith offers flexible plans that can be adjusted as needed, ensuring that your window investment remains manageable no matter what comes your way.
Why choose CR Smith?
CR Smith has been a trusted name in home improvement for over 50 years. We are known for our commitment to quality and customer satisfaction. Our windows on finance options are designed with the same care and consideration, ensuring that you get the best possible deal on your new windows.
With CR Smith, you get top-quality windows and a financing solution tailored to your needs. Our team is here to guide you through the process and help you choose the financing plan that works best for you.
Conclusion
Financing your new windows doesn’t have to be complicated or stressful. With our range of flexible, affordable financing options, you can invest in high-quality windows that enhance your home’s value and energy efficiency without the financial strain. Whether you prefer interest-free credit, low-interest financing, or flexible payment plans, CR Smith has a solution to fit your budget.
Ready to get started? Contact CR Smith today to explore your windows on finance options and take the first step towards a more beautiful, energy-efficient home.
Credit is subject to status and affordability. CR Smith Glaziers (Dunfermline) Limited, Gardeners Street, Dunfermline, KY12 0RN, FCA Register no. 738229 trading as CR Smith is a credit broker and not a lender, and is authorised and regulated by the Financial Conduct Authority. Credit is provided by a panel of lenders with whom we have a commercial relationship (so we cannot provide independent advice).
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