Getting The Things You Need, Without The Debt (NAPSA)—In today’s uncertain ie. economic climate, the last thing anybody wants to do is take on more debt. Unfortunately, many necessities (and all luxuries) come with a price tag. And in order to replace a bed, refrigerator or T'V, should there be a need, most peo- ple are likely to put it on plastic— which can lead to mounting credit cardbills. Fortunately, there are ways to get the things your family needs Rent-to-own stores let consumers get the things they need and without having to pay the hefty finance charges that come with using credit cards. For example, the rent-to-own industry was started in the 1960s to serve a want—and payfor them overtime. electronics for just this reason—to eliminate the risk of debt or the needfor credit. Today, there are approximately 8,500 rent-to-own stores in all 50 states, serving upward of 3 million households each year. For consumers unwilling or unable to take on additional debt, these businesses provide opportunity their budget. Additional benefits include: rary financial setbacks. growing need for access to household appliances, furniture and without long-term obligations. Families get what they need without the risk of debt. Plus, delivery, setup, service and repair are included so there are no costly surprises. The flexibility to end the transaction, without charge, together with the ability to rein- state without losing the benefit of payments already made, makes rent-to-own a sensible way for families on a budget to manage their needs. e Service and repair include a loaner product if a repair cannot be made in the customer’s home. The early-purchase option allows rent-to-own customers to opt for ownership whenit fits in Weekly, biweekly and monthly payment options allow customers to pay on a schedule that fits their needs. Payment history is only re- ported at the customer’s request. Customers can use good payment history to build credit, but won’t be harmedby a poor paymenthistory that may result from tempo- And while, at first glance, prices at rent-to-own establishments may appear higher than at traditional retail stores, the trade-off is that those prices include costs for deliv- ery, setup, service, repairs and extended warranty. At the same time, there is no interest charged to consumers, no credit checks are involved and customers can return the merchandise at any time. To learn more about rent-toown,visit www.creditfreelife.com.
