Purchasing new furniture for your garden or balcony can be a costly experience. Because outdoor furniture needs to be robust, it’s often made from expensive aluminium or hardwood. Increased shipping costs, material shortages and a huge rise in demand have all pushed the prices of garden furniture up further.
If you dream of owning a beautiful outdoor sofa set or a must-have egg chair but can’t afford to purchase it outright, there are a range of financing options available, allowing you to spread the payments, usually interest-free, over a period of weeks or months.
Let’s take a look at how these options work and discover some of the best buy now pay later garden furniture that you can purchase.
What are the options for buying garden furniture with finance?
If you shop online, you’ll probably have noticed the ever-increasing range of payment options when you go to check out. Besides card and Paypal, you’ll often be faced with the choice of Klarna and Clearpay.
Both Klarna and Clearpay work on the popular ‘buy now pay later’ (BNPL) principle. Clearpay allows you to spread your purchase payment over 4, interest-free equal amounts. With Klarna, you can choose an interest-free option that works best for you, whether that’s paying in 30 days, splitting payments into affordable monthly instalments or paying equal amounts split over 3 months.
PayPal also offers an interest-free credit option, along with Pay in 3, where equal amounts are paid off over a 3 month period.
All BNPL schemes can be a convenient way to make large purchases and may be cheaper than buying with a credit card, but you must be able to make each payment in full. Clearpay charge a fee for late payments.
Is it safe to buy garden furniture with finance?
Yes! Shop now, pay later is a good way to take advantage of an interest-free loan. If paid off on time, it’s a flexible and convenient way to spread the cost of expensive items.
You can work out which option best suits your situation and automatic payments with timely reminders mean you don’t need to worry about forgetting to make a payment.
The best garden furniture to buy with finance
We’ve scoured the online furniture stores to bring you some beautiful, finance-friendly furniture ideas for your outdoor space.
1. Meera Garden Corner Set, MADE
Meera Garden Corner Set, Made
One the most expensive pieces of outdoor furniture you can purchase, outdoor sofa sets are also one of the most desirable items for your garden. This stunning set from MADE is crafted from chunky, weather-resistant polyrattan and topped with soft, ecru cushions.
Although MADE doesn’t offer Clearpay or Klarna options at checkout, you can pay with Paypal and split the cost of your purchase that way. MADE stocks a particularly stylish range of outdoor furniture, garden accessories and lighting if you’re looking for something a bit more exclusive for your outdoor space.
2. Luxury Rattan Outdoor Hanging Egg Chair, Thompson & Morgan
Rattan Outdoor Hanging Egg Chair, Thompson & Morgan
Hanging egg chairs are big, heavy and usually made from expensive materials. They need to be extremely robust and able to withstand more than your average piece of freestanding garden furniture. They’re unbelievably comfortable and one of the must-have items for anyone who enjoys spending as much time as possible in the great outdoors.
Offering Paypal interest-free credit options, this gorgeous, weatherproof hanging egg chair from Thompson & Morgan could be gracing your balcony or outdoor living area. It comes with a 7-year guarantee and has a powder-coated steel frame for ultimate durability.
3. Fernleaf Romford Rectangular 6 Person Long Dining Set, Wayfair
Fernleaf Romford Rectangular 6 Person Long Dining Set, Wayfair
For a more traditional take on outdoor dining furniture, this rustic pine bench will be a timeless and practical addition to your garden kitchen or patio area.
This bench is available to purchase with interest-free instalments from Clearpay and Klarna, making it an affordable option. Wayfair stocks one of the most comprehensive ranges of outdoor furniture, accessories and kids’ garden equipment.
4. Montana Apple Day Bed, Garden Furniture Centre
Montana Apple Day Bed, Garden Furniture Centre
This incredible-looking day bed is available to purchase with PayPal and with finance options from Garden Furniture Centre. The perfect piece to kick back and relax, this day bed has a range of cushion colours to choose from.
It’s suitable for use all year round (snuggle up inside in winter with a hot chocolate and plenty of blankets) and the material is recyclable, making it a good choice for environmentally conscious shoppers.
5. Rowlinson Modena Arbour, Original Organics
Rowlinson Modena Arbour, Original organics
Available to purchase with finance options including Paypal and Klarna, this modern-looking arbour from Original Organics is made from FSC certified wood and comes with a 15-year anti-rot guarantee.
It’s a great seating solution for smaller spaces and will look equally at home on a patio or nestled under trees in the garden.
6. Fermob Bellvie Bench, made in design
Fermob Bellvie Bench, Made in design
Take your garden styling up a notch with this beautiful, bright Fermob bench. Crafted from aluminium with a steel seat, you can purchase this item with PayPal and spread the cost interest-free.
Made in design stocks a range of designer garden items and although they aren’t cheap, you’ll be sure to find something beautiful and unusual to grace your space.
7. Cloverly 6 Seat Rectangular Dining with Teak Table, Harbour Lifestyle
Cloverly Dining Set, Harbour Lifestyle
Harbour Lifestyle offers a range of luxury garden items including furniture, rugs, outdoor cooking and lighting, all available to buy with Klarna, PayPal or Duologi for orders over £1500.
This ultra-stylish, industrial-style dining set is crafted from aluminium and teak. The chairs are woven with hydrophobic polyester rope and the whole set is virtually maintenance free, giving you more time to sit, relax and enjoy outdoor living.
8. Hartman Westbury 2 Seat Round Bistro Set, Keen Gardener
Hartman Westbury Bistro Set, Keen Gardener
This chic resin weave bistro set is great value for money and will make a stylish statement on a balcony or patio. It boasts comfy, thickly-filled Weatherready cushions which are hard-wearing and small enough to store away easily over the winter months. The aluminium frames mean the furniture won’t rust and the set (minus the cushions) can be left outdoors all year round.
Available to purchase with Klarna or Paypal, you can spread the payments or pay later. Keen Gardener stocks a range of good quality garden furniture from reputable outdoor brands such as LG Outdoor and Hartman.
How to choose the best interest-free garden furniture
Choose quality pieces
It’s true that the best quality garden furniture is expensive but, if you’re able to invest, it’ll last much longer than cheaper items and most likely stay out of landfill.
If you’re buying furniture with a metal frame, opt for powder-coated aluminium which won’t chip or rust. To help your garden furniture last longer, bring cushions and lightweight wicker furniture indoors in wet weather, or pop it in a shed or waterproof outdoor storage box. Protect wooden furniture by covering it or placing it in a shed or garage over winter.
Measure up
It’s almost impossible to visualise how new furniture will look in your garden. A good tip is to make a template using cardboard boxes, you don’t have to make a full-scale model, just mocking up how much floor space a bench or table will take up is worth the effort.
If you can visit the store and see the furniture before you buy, it’s well worth it, you can also check if it’s comfortable to sit on and looks as good in the flesh as it did online.
Make sure you can afford it!
As tempting as shop now, pay later options are, be sure that you can afford to cover the payments before you buy, especially for more expensive items.
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