Richard Goodwin 18/01/2017 - 12:46pm

Samsung’s running a 0% finance offer at the moment designed to help customers spread the cost of BIG purchases

Brand new flagship phones like the Samsung Galaxy S7, 50+ inch 4K TVs and tablets, generally speaking, cost a lot of money. Like, way too much money for 99.9% of people to cough-up all at once.

This is why credit cards exist; they help spread the costs associated with big purchases like holidays and big TVs and new computers. You do pay interest on credit cards, though…

This is what makes Samsung’s latest offer on its main website so special, as it is offering customers 0% finance – i.e. no interest – on purchases over £249 for 24 months, meaning you can buy a new 4K TV today and pay it off in instalments over 12-18 months and not pay any interest.

This deal applies to everything Samsung sells on its website: 4K TVs, Phones, Tablets, Computers, Home Appliances – the works.

I usually try and pay cash for everything. Partly because I don’t like having debt, but mostly because – in store – you can usually haggle down the price.

However, in some instances credit is useful – especially if its 0% interest for two years.

This 0% finance offer ends of January 23rd, however, so if you’re looking at any big purchases, now is definitely the time to do it. I’m in the market for a new washing machine and I am giving some serious consideration to pulling the trigger on a fancy Samsung one.

My research into washing machines is how I actually found out about this offer!

As I said above, I’m not one to promote credit or financing. If you can pay cash you always should. But when something is 0% for 24 months it is definitely worth taking advantage of as it isn’t really costing you anything in the medium-term.

I actually used a similar offer a couple of years ago to by an iMac, only that one was 12 months 0% interest. Either way, it was a relatively pleasant experience as the monthly payments were manageable and I got to use a brand new 4K iMac from the get-go.