1) Cash Management – Customers that take advantage of special financing offers and save on-hand cash for other things.

2) Upgrading – Customers that use financing to purchase a better product than available by using on-hand cash.

3) Budgeting – Customers want to stay on budget and use financing to purchase at this time.

While understanding your customers’ needs, it is also important to remember these guidelines when offering financing options:

•  Present financing options to every consumer every time, early in the sales process in a clear and transparent manner.
•  Give the consumer choices. Let them choose the promotional plan that works best for them.
  
  
  All Financing Subject to credit approval