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Henderson's Special Financing
Helpful Documents:
Reasons to Choose Our Henderson's Financing
1. Take Your Purchase Home or Have It Shipped Today with Approved Completed Applications
2. No Annual Fee
3. Simple Credit Application Process
4. Low Minimum Payments
5. Same Day Approval
6. Extended Financing Available
7. Doesn't Tie Up Other Credit Lines or Savings
8. New Purchasing Power
9. Exclusive Cardholder Promotions
10. Convenient Monthly Statement with Detailed Promotional Information
Special Financing Offer Now - September 16, 2008
6 MONTHS, NO INTEREST, NO PAYMENTS on Purchases $499 & Up for Approved Customers
New approved applicants and current cardholders get 6 months same as cash, with no minimum monthly payments, on purchases of $499 or more. It's up to you whether you send multiple payments or pay the total balance off at once. Remember that if the balance is not paid at six months, all of the interest that would have been charged is added to the balance.
Am I Eligible to Apply?
Financing is open to US residents at least 18 years of age.
On What Products Can I Use My Financing?
Once approved, you can use your financing to purchase bagpipes, smallpipes, drums, Highland Wear, or anything else. As long as you have your card open, you can always get 90 Days Same as Cash on purchases of $249 or more with Small Minimum Monthly Payments.
Do I Have to Make a Purchase to Apply?
No, we can process your application and let you know your approved credit amount. You can use the financing then or you can just keep your Henderson's card and use it when and if you wish. There is no charge to apply, and there are no charges to simply have the card.
Is Financing Like Layaway or a Payment Plan?
When paid in full before interest is charged, the financing option is even better than layaway or payment plans because you get your bagpipes, drum, uniform, or other items before paying the full amount. As soon as you apply the financing option, in fact, your bagpipes or other purchase can be shipped right away, and the bills would simply come to you in the mail. With layaway or payment plans, the total must be paid up front, before product is handed over.
What Should I Know About Minimum Monthly Payments?
Minimum monthly payments represent the smallest amount you must pay, but not the amount you would need to send to pay off the total before interest is added. Consider the offer you can always get, once approved for Henderson's financing: 90 Days Same as Cash on purchases of $249 or more with Small Minimum Monthly Payments. Of course, you would need to make at least one payment much larger than the minimum to pay of the total within 3 months. For example, if you were to buy a $1200 set of bagpipes using this option, your minimum monthly payment could be $38. The most logical thing to do, though, might be to make 3 equal payments of $400. You could also choose to make payments of $38/$38/$1124, $200/$400/$600, any combination that meets the minimum monthly payment and gets the total paid off. If the total is not paid off within the allotted period, 90 days in the case of this example, interest will be charged that could make financing as or more expensive than a credit card purchase. We definitely encourage everyone to pay the total off within the no interest period, so you can save the most.
How Do I Apply?
You can call us (1-800-931-5010), and we can take your information over the phone, then fax or mail the application to you for your signature and proof of identity. Or you can download the application, complete it, and fax (1-231-932-7331) or mail it to us along with your proof of identity.
What Information Will I Need to Provide?
Your Full Name
Date of Birth
Social Security Number
Home Phone
Additional Contact Number
Home Address (If you use a PO Box, include your actual street address too)
Do You Own or Rent?
Number of Years/Months at Your Address
A Relative's Phone Number
Your Monthly Net Income from All Sources (If you're applying with a co-applicant this will also be required for him/her)
Number of Years/Months at Your Job
A Copy of Your Driver's License and 1 other form of ID
How Soon Will I Know If I Am Qualified?
We have an in-house terminal, so we can transmit and receive information very quickly. We often have an answer within an hour, usually within the same day. We will contact you once we have received authorization. In another 1-2 weeks, you'll receive a crd in the mail that you can choose to use for future Henderson's purchases.-
When Will I Get My Order?
Before we can send the merchandise, we will need your signed application form and a copy of your driver's license and one other form of identification. If your finance program involves No Payments, No Interest, we'll also need your signature on a second form that clearly states: "if full payment is not made within the program time limit, ALL the interest that would have been charged will also be due." If the forms are faxed to us, and the items are in stock, we can ship immediately!
Otherwise, we'll send copies in a self addressed envelope that will need to be signed and returned. Once returned, your order will be processed and shipped.
We want financing to be a benefit to our customers, and it has many advantages when used conscientiously. So, we just want to remind you to read all related documents carefully. If you have any questions, please let us know, and we will get them answered.
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