0% financing: Buy your office chair in instalments

There are a few requirements that must be met in order to buy an office chair in instalments. These include financial stability, a successful credit check, and exceeding a minimum order value. 

Financial stability is a key factor for every private customer. It refers to a balanced state of your personal finances. This means that you are able to cover your ongoing expenses, pay off debts and save for the future.

A successful credit check is essential for buying an office chair in instalments. This assessment process is mainly used by banks or lending institutions to evaluate a customer's creditworthiness and payment behaviour.
In principle, a successful credit check means financial stability, i.e. that you are able to meet obligations such as loan instalments or invoices on time. 

The following aspects, for example, are part of a successful credit check:

• You have a permanent job and a regular income.
• You always pay your bills on time.
• Your debts are at an acceptable level and you can repay them without difficulty.

This benefits you as a private customer: banks or lending institutions can see that you are reliable and able to manage your money well. This gives you a better chance of obtaining a loan or being able to enter into an agreement such as buying an office chair in instalments.
It is also important to know that a successful credit check leads to better loan terms. You may therefore benefit from lower interest rates if your creditworthiness is assessed positively.
In addition, the minimum order value of 150 € must be exceeded in order to buy an office chair in instalments.

Please note that buying an office chair in instalments is only available to private individuals.

You have chosen your perfect office chair, would like to buy it in instalments and are now wondering how buying an office chair on finance works.

Buying an office chair in instalments can be an effective way to spread the cost of urgently needed office equipment. Below, we give you an insight into how financing an office chair typically works:

1. Choosing the office chair: Start by selecting the desk chair you want. Consider comfort, quality and expected service life to make sure you are making a sensible investment.
2. Add the item to your basket: Add the office chair you want to your basket. Some online shops also offer the option of making a small down payment to reduce the total cost.
3. Choose an instalment plan: In the next step, choose the instalment plan that best suits your budget. This plan determines how much you will pay each month towards your total invoice amount.
4. Credit check: The retailer or financial institution offering the instalment purchase will probably carry out a credit check. This is done to assess the buyer's ability to repay the instalments. It is therefore important that all information provided is correct in order to avoid delays or rejection.
5. Signing the contract:  If the credit check is positive, the instalment purchase agreement is signed with the financial institution. It is important that you read and understand this agreement carefully before signing it.
6. Delivery and instalment payments: After the agreement has been signed, the office chair will be delivered and the monthly instalment payments will begin according to the agreed payment schedule.

An instalment purchase can be a good option for private customers to furnish their office spaces efficiently and cost-effectively while managing their monthly expenses. Nevertheless, before entering into such an agreement, it is important to carefully assess your own financial situation and allow for unforeseen expenses.

No, with a 0% finance instalment purchase for an office chair at hjh OFFICE, there are no additional fees or hidden costs. You only pay your monthly instalments over the agreed term.

The repayment amount is set by you when the purchase is completed.

If you decide to buy your office chair in instalments, you can choose the term from various options before completing the purchase. 
A change after the purchase has been completed is generally not possible.

There are several arguments both for and against buying an office chair on instalments. On the one hand, the monthly payment can help you conveniently spread the cost of a larger invoice amount. On the other hand, it also creates an ongoing financial commitment for a certain period of time.

0% financing allows you to avoid compromising on ergonomics and comfort, which can have a significant positive impact on your health and work performance. 
There are also the following advantages:

• The financial aspect: Buying on instalments allows you to spread the cost of a high-quality office chair over a set period of time. This is an attractive financial option, especially for private customers and office workers who are just starting out in their careers. Buying on instalments enables you to get a high-quality chair without putting your financial stability at risk.
• Quality: With an instalment purchase, you have the opportunity to invest in an office chair that is ergonomically designed and made to a high standard. This can boost your productivity and help prevent health issues that can be caused by low-quality office chairs.
• High flexibility: Buying on instalments gives you the opportunity to budget the purchase price according to your income and your own financial circumstances. This gives you a certain degree of flexibility and better control over your finances.
• Investing in your health: An ergonomic office chair is not only good for your back, but also for your general health. If a desk chair is inexpensive, it usually has fewer adjustment options than a more expensive model. A high-quality model can help prevent poor posture, tension and other health issues that can arise from long working days in the office. If your office chair is ergonomic, it will support you optimally while seated and is also durable.

So it is worth buying an office chair on instalments and investing in your health over the long term.

If you find that buying your office chair in instalments is not an option for you, feel free to use one of the following payment methods in our webshop:

Do you have questions about buying an office chair in instalments or about our products? Our trained ergonomics coaches are here to support you with personalised office chair advice. They will help you find the perfect office chair for your requirements and physical needs. Healthy working and feeling comfortable in the workplace are our top priorities. The perfect match between workstation and office chair can help prevent tension, postural problems or even chronic conditions. 
With our personalised office chair advice from our ergonomics coaches, we help you make the right choice and optimise your working environment. Professional advice tailored to your needs is the foundation for an ergonomic workstation and a healthy working day. Our advisory services also include guidance on the correct use and adjustment of the office chair. 
Contact us and benefit from our experience and expertise in ergonomic office chair advice. Let us guide you professionally and personally on the way to your perfect office chair. Easily book your personal online consultation appointment from home or call us directly.