We look at how you can buy double glazing on finance along with some of the best double glazing finance packages available on the market today.
Are your windows and doors at the end of your life but you don’t have enough cash in the bank to get them replaced? You are not on your own! Many people are weighing up whether to get finance for their new double glazing or whether to continue living with the setup they have.
To help you make the best decision for you, we have created a guide that will walk you through all the different double glazing finance options on the market so that you can make a fully informed choice.
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Larger companies sometimes offer finance packages direct.
If you arrange your new windows and doors with a larger company, then they may be able to offer you a finance option (subject to credit checks). The type of finance varies from company to company, and it is worth doing your research to find the best deal before you jump in and end up spending more than you need to.
Arrange a quote from a local or national company (use our online quote calculator here) and ask them to provide you with a finance calculation for you to consider. This will be drawn up along with your quote so you are aware of the monthly payments and the interest charged for the finance offered. When your double glazing finance is in place, they will arrange to come and complete the installation of your new windows and doors.
Credit cards offer a low-cost option if paid off quickly.
If you do not want to get finance through a window company or you would prefer to use a local installer rather than a nationwide company, it may be worth considering using a money transfer from your credit card company. This option usually comes with 0% interest if paid off within an agreed period and gives you the flexibility of paying the credit off early if you have the finances in place. It’s a good option for short-term borrowing.
Ring your credit card company or check your online banking to see if they are currently running any 0% money transfer offers. You usually have to pay a fee (around 1-3%) of the total transfer, however, this is usually much cheaper than other types of finance.
Interest-free finance packages from National Companies.
Some companies will offer interest-free finance options so that you can get your windows and know that you will not pay any more than the cost of the windows, doors and installation. This is a worthwhile option if you are unable to find the money upfront.
However, while it may be interest-free, the company will look to get the money back by increasing the price of the windows. You will typically get a better deal for your windows if you choose a local installer as they have low overheads. However, if you cannot afford the job upfront, then the interest-free option may be the best for your situation.
Seek out buy now, pay later packages.
Using a Buy Now, Pay Later is an excellent idea if you need to replace your windows now but can’t afford it for a specific period. The great thing about this option is you will be given a date that you need to make the full payment if you want to benefit from an interest-free option. That way you can choose to pay a bit each month before your instalments start or pay it in full.
If your finances don’t increase as you had imagined they would, then you will be able to pay in instalments after the initial payment free time is up. As soon as the instalment plan begins, you will need to pay interest on the balance, and it is worth factoring this into your financial planning before you jump into any agreements.
Double glazing grants
If you get certain benefits, then you may be eligible for a government-funded grant. These grants have a particular criterion and usually operate in selected areas only. Find out more information on double glazing grants in this article.
If you are eligible for a grant, you will need to find an installer that complies with the grant requirements and is happy to work on a grant-funded project. In reality, if you live in a grant-funded area, then you are more than likely to get plenty of flyers from companies that want to help you improve you home and who know how the system works.
One at a time installation helps spread the cost.
If you aren’t able to get double glazing finance or want to know whether there are any other ways of getting your windows replaced then it may be worth getting the job done in stages. Many installers will be happy to come and give you a quote for the full job and will then break it down into affordable milestones.
Taking this option will mean that your home will take a while to match (if the new windows are different from the old), but you can prioritise the ones that need replacing first and then work your way around the building until it is all done. You can choose when you want each milestone completed and start whenever you have enough for the first stage.
Is buying double glazing on finance the right choice for you?
If you have read this guide and think you will choose to go for a finance package, then it is worth taking some time to work out if buying your new double glazing on finance is the right option for you and your current circumstances. To make this easier, we have put together the key advantages and disadvantages below.
Advantages to double glazing finance
- You can arrange your new windows and doors quickly.
- You do not need to find a large sum of money upfront.
- You can pay it back in instalments.
- It will help your credit rating to grow (as long as you stick to the payments).
- You can take up an offer to reduce the total amount that you are spending.
- It is convenient.
Disadvantages of buying new double glazing on finance
- Puts a lot of pressure on you to earn enough to pay it each month.
- You will have to pay interest and fees on the amount you have borrowed.
- Mounting debt can cause stress and worry.
- If you miss a payment, it will harm your credit rating.
- You will be charged a fee if your payment is late.
- You need a solid credit rating to be approved in the first place.
We hope that whatever you decide, you get to enjoy the windows and doors that you need to keep your home safe, secure and warm!
**Top tip** – Get an online quote for your new double glazing and potentially save up to 65% with our online cost calculator. Compare prices online now.