Garden Furniture on Finance: The Ultimate Expert Buying Guide
When it comes to outfitting your outdoor space with the perfect garden furniture, there is a lot to consider. Whether you’re looking to create a cosy corner for quiet relaxation, a stylish space for entertaining guests, or a functional area for family meals choosing the right garden furniture can transform your backyard, patio, or balcony into an inviting oasis. Understanding your needs, your space, and the materials that will stand up to the elements is crucial. From durable, weather-resistant options to comfortable seating that encourages relaxation, this guide will help you navigate the key factors you should consider when buying garden furniture, ensuring you make an informed choice that suits both your style and your lifestyle. However, the upfront cost of premium garden furniture can sometimes be a barrier, especially when immediate funds aren’t available. The good news is that garden furniture on finance allows you to break down the total cost into manageable monthly payments, making it easier to afford high-quality pieces without straining your finances. This flexibility enables you to invest in furniture that fits your aesthetic and functional needs, while still maintaining control over your budget. In this comprehensive guide, we will explore various financing options, how to choose the best furniture for your space, and offer practical advice on managing your payments effectively, ensuring that you can enjoy your perfect outdoor setup now without worrying about a large upfront expense.
By understanding your options, you’ll also gain insights into the long-term benefits of quality garden furniture, which can withstand the elements and provide lasting comfort and style for years to come. So why not take a deeper look into the ultimate expert buying guide for garden furniture on finance.
Why Choose To Buy Garden Furniture on Finance?
- Spreading the cost of your garden furniture purchase makes it easier to manage your finances. Instead of paying the full price upfront, you can pay in manageable monthly instalments. This approach is especially useful for larger or more expensive sets, making them accessible without compromising your budget.
- Waiting to save up for the best quality furniture can mean missing out on seasonal sales or the opportunity to enjoy your outdoor space. Financing allows you to get the furniture you want right away and enjoy it immediately.
- Garden furniture is often discounted during certain seasons. With finance options available, you can purchase your outdoor furniture during these sales and pay for it over time, without waiting until you’ve saved enough money upfront.
Spread Out The Cost
Access To Better Furniture
Take Advantage Of Seasonal Sales
Types of Finance Options for Garden Furniture
- Interest Free Credit is one of the most popular and affordable finance options. Many retailers offer 0% interest deals for a specified period (e.g. 6,12,24,36 months.) This comes with no extra payments to the original price as long as the balance is paid off within the interest free period, you won’t incur any additional charges. You will also know an exact amount you are going to be paying each month to help with budgeting.
- Buy Now Pay Later options lets you delay your first payments for a set period, typically between 3 to 12 months. Even though paying later seems good, some Buy Now Pay Later offers come with interest rates after the deferral period ends, so be sure to read the fine print. Also missed payments after the deferral period can lead to interest charges or penalties.
- Personal loans tend to be a more popular option for larger purchases. You borrow a set amount from a lender and repay it over a fixed term, typically with a fixed interest rate. Personal loans are ideal if, you’re buying furniture from a store that doesn’t offer in-house financing, you prefer to borrow from a bank or online lender at a competitive interest rate.
- Store Credit or PayPal Credit many retailers offer store-specific credit cards or work with platforms like PayPal to offer financing. These can be ideal if you shop frequently at a specific store or retailer. Some store credit cards offer special promotions, such as interest free periods or discounts for using the card. PayPal offers short-term 0% interest deals, allowing you to finance your furniture purchase through your PayPal account.
- Hire Purchase will allow you to pay for garden furniture in instalments, with ownership transferring to you when the final payment is made. This option is ideal if you want to own the product outright and you are comfortable committing to a longer repayment term.
Things to Consider Before Purchasing Garden Furniture On Finance
- Affordability before committing to any finance option, assess your ability to make the monthly payments. Take a good look at your current finances and ensure that you can comfortably. This way you can avoid financial strain further down the line.
- Interest rates and fees if you choose a financing plan that’s not 0% interest, be sure to check the APR (annual percentage rate). Even the smallest interest rate can add up, so it is always important to factor this into your budget.
- Terms and Conditions always read the fine print before committing. Some finance options come with penalties for late payments, early repayment fees, or hidden charges. Make sure you understand all the terms, including how long the repayment period is, whether there are any early repayment penalties and any other fees associated with the finance agreement.
- Credit Checks are standard procedures, so most financing options especially interest-free credit or personal loans, will involve a credit check. Check your credit score in advance to ensure you’re in a good position to be approved for finance.
What Type of Garden Furniture Do You Want?
- Seating: Includes armchairs, lounge chairs, Adirondack chairs, folding chairs, stackable chairs, benches (including storage benches), sofas, sectionals, hammocks, and swing chairs.
- Tables – Dining tables (for meals), coffee tables (for drinks and decor), side tables, and smaller bistro tables for compact spaces.
- Lounge Furniture – Loungers, daybeds, and chaise lounges for relaxation and sunbathing.
- Storage – Outdoor storage boxes, deck storage units, and storage benches that double as seating.
- Furniture Sets – Dining sets (table and chairs), lounge sets (sofas and armchairs), and bar sets (high stools and tables).
- Shade and Shelter – Parasols and umbrellas for shade, plus gazebos for larger outdoor coverage.
- Fire and Heat – Fire pits for warmth and ambiance, and outdoor heaters to extend the season.
- Accessories – Cushions, throws, outdoor rugs, and lighting (string lights, lanterns) to add comfort and style.
Consider Your Space
- Measure the available space in your garden or patio to ensure you pick furniture that fits comfortably. Don’t overcrowd the space; leave room for movement and to create a relaxing environment.
- Think about whether your outdoor area is rectangular, square, or more irregular. This will help you decide whether a modular set, sectional sofa, or traditional bistro table will work best.
- Are you looking for furniture for dining, lounging, or entertaining guests? Consider your needs to narrow down your options.
Material Selection
- Wood – Classic and natural, wood gives a rustic or cosy feel. Teak, cedar, and acacia are common choices because they are durable and weather-resistant. However, wood requires maintenance such as oiling and treatment to prevent rot or fading.
- Aluminium – Lightweight and rust resistant, aluminium is low maintenance and great for various weather conditions. It’s perfect for modern designs and often comes in sleek.
- Wicker/Ratan – Synthetic Wicker or Ratan is durable and weather resistant, mimicking the traditional woven look. It’s great for lounges and often paired with cushioned seating.
- Steel/Iron – Heavy-duty and strong, steel and wrought iron furniture are great for permanent setups. They are, however, more prone to rust, so ensure they are powder-coated or treated for outdoor use.
- Plastic/Resin – Easy to clean and resistant to weather, plastic furniture is also lightweight and cost-effective. Look for UV-resistant options that won’t fade in the sun.
- Concrete/Stainless Steel – For a modern, industrial feel, concrete or stainless steel furniture can be a solid choice. They’re durable and offer a unique aesthetic but can be heavier.
Is Comfort an Important Factor?
- Consider cushioned options for maximum comfort, especially if you plan to use the furniture for long periods. Make sure the cushions are made of weather-resistant fabric (like Sunbrella) that resists fading, mould, and mildew.
- Pay attention to the design, ensuring the furniture offers proper support and comfort, whether you’re lounging or dining.
What Style Are You Looking For?
- Choose a style that complements the theme of your garden or outdoor space.
- Modern Style, clean lines, minimalistic design, and use of materials like metal and glass.
- Traditional classic wooden tables and chairs often with ornate details.
- Rustic reclaimed wood, wrought iron and vintage vibes.
- Boho style comfortable, relaxed seating with lots of cushions and throws.
- Contemporary with sleek, functional pieces with a modern twist.
Weather Resistance
- UV Resistant – Furniture exposed to the sun should resist fading and degradation.
- Water Resistant – Especially for cushions or wooden pieces, check for water resistance to avoid mould or rotting.
- Rust Resistant – If you’re buying metal furniture, ensure it’s treated or coated to prevent rusting from rain or humidity.
Furniture Storage and Maintenance
- If you live in an area with harsh weather, you might need to store your furniture in the winter or during storms. Lock for stackable or foldable furniture that is easy to move and store places.
- Some materials like wood need regular maintenance (e.g. oiling) to keep them fresh, while others like aluminium or resin are virtually maintenance free.
What is Your Budget?
- Do you have a specific budget in mind? If not maybe you should set a realistic budget before you start shopping. Furniture can range from affordable to very high end depending on brands and materials.
- Is this a long term investment? If so higher quality and longer lasting materials come at a higher cost but if it’s a long term investment it will save you money in the long run.
Additional Features
- Umbrella compatibility if you’re buying a set, consider one that has a hole for an umbrella or a built in umbrella to provide shade on a hot day.
- Are you looking to stay warm in the colder months, some modern furniture sets come with a built in fire-pits or tables that can extend the use of your outdoor area during the colder months.
- Modular sets if you’re looking for flexibility in your outdoor space, look for modular seating or tables that can be rearranged depending on the occasion.
Why is Brand Reputation Important?
Brand reputation is crucial when choosing garden furniture on finance because it ensures you’re investing in high quality, durable products that will stand the test of time. Trusted brands typically offer reliable customer service, warranties, and transparent financing terms, providing peace of mind throughout the payment period. With a reputable brand, you’re also more likely to enjoy better resale value, positive customer reviews, and long-term value, making your financial commitment a wise one. Overall, a strong brand reputation offers confidence that you’re getting both quality and support, reducing the risk of regret.
FAQs
Most types of garden furniture, including dining sets, benches, storage solutions and multiple other garden furniture can be purchased on finance.
Missing a payment can lead to various consequences. For example, the retailer may charge you late fees, or if your on an interest free deal, you may be retroactively charged interest from the date of the purchase. Late payments can also negatively affect your credit score, potentially making it harder to finance in the future.
Yes, applying for finance involves a credit check. A hard credit check may have a small, temporarily impact on your credit score. However, if you make your payments on time, it can help build your credit score. Conversely, missed payments can harm your credit score.
Financing can be a good way to spread the cost of your garden furniture, but it’s important to ensure it fits within your budget. Consider how much you can afford to pay each month, the total cost of the furniture, and whether you’ll be able to pay off the balance within the terms of the finance deal. If the monthly payments will put strain on your finances, it may be worth considering other options, like saving up for the furniture or purchasing a less expensive set.
Conclusion
Financing garden furniture purchases can be a practical solution for spreading costs while enjoying quality outdoor furnishings immediately. It allows access to better furniture without compromising your budget, and seasonal sales can be leveraged effectively. Options like Interest-Free Credit, Buy Now Pay Later plans, personal loans, and store credit cards provide flexibility. However, it’s important to evaluate affordability, understand interest rates and terms, and ensure the furniture suits your space, style, and durability requirements.
By carefully considering factors like material selection, maintenance needs, weather resistance, and brand reputation, you can make informed decisions to elevate your garden’s functionality and aesthetic appeal—all while managing your finances comfortably. Thoughtful planning ensures your investment brings long-term value and enjoyment.
