Inviting a little one into your home soon? When you’re expecting a new baby, there are loads of new costs in your life you’ll have to account for, like nappies, baby food, and much more.
On top of all of that, you’ll want to be sure you have the space and gear you need to welcome your new baby home. Even if you opt for second-hand products, all of this can add up pretty quickly, and hefty upfront purchases can be an unwelcome burden, regardless of whether or not you have savings to draw upon.
The good news is: There’s a great alternative to buying baby gear – buying them on instalment and paying for it over time, with no upfront cost! Here we’ll break down all the ways buying new products for your baby & nursery on instalment just makes sense.
1. You don’t have to spend heaps of money in one go
From cots to co-sleepers, bassinets, changing tables, highchairs and prams, there are so many different products you may need to make life easier for you and your bub.
A great travel cot can cost a couple of hundred dollars. A high chair can cost the same, while a pram might cost double that. A chest of drawers for the baby’s clothes and supplies can sometimes cost double that again.
Even if you have savings, this is a lot of money to spend all at once. With all the potential medical costs of bringing a new baby home, keeping those savings in pocket can give you the peace of mind you need to sleep well at night (on the baby’s schedule, of course).
Buying baby products on instalment means you can access brand-new, high-quality products that your baby deserves without dishing out a boatload of cash in one go. Instead, you can pay in much more manageable weekly or fortnightly instalments.
For people on Government benefits, this can be a real game changer. You might not have any money in savings, so being able to get products with flexible payment plans can help you make those crucial few years much easier.
Here are a few of our popular baby products
$11.88 per week for 36 months
$5.15 per week for 36 months
$11.88 per week for 36 months
2. You don’t have to buy second hand products
In many cases, there’s nothing wrong with second hand products. And for a lot of baby goods, they make sense.
But there are some things you simply might not feel comfortable receiving second hand — like breast pumps — or you may just prefer to have new products for your special little bub. Plus, when buying second hand you’re limited to what other people have already bought. You don’t have the option of new designs or the latest safety features and technology.
R4K has a huge baby needs online catalogue of new products you can search online, or you can get in touch with us about any product at all, and we can arrange an instalment plan for you.
3. R4K will handle defects and damage
Unfortunately, even the best products can have defects sometimes. And with a baby in the house, it’s pretty understandable that products can get damaged.
If you’ve bought a new product (as opposed to a second-hand product), you’ll usually have a warranty that will cover the replacement or repair of any damage or defect. However, dealing with distant manufacturers can be frustrating at the best of times. When you have a lot on your plate and a new baby in the house, the last thing you need to add is chasing a warranty.
When you use R4K on an instalment agreement, we’ll follow up on warranty claims on your behalf and provide and repair or replacement as soon as reasonably possible. This way, you can focus more of your energy on the little one.
4. You can try before you buy
Sometimes products don’t turn out how you expect them to. You order online, wait weeks for them to arrive, and when they do, they’re not the quality you wanted or the design just doesn’t suit you.
Returning online orders isn’t always easy, and it’s sometimes more expensive than it’s worth to get a full refund. When you get a product on an instalment plan with R4K, you can usually return the unwanted item if it hasn’t been used. We will assist you to exchange the product for one that is more suitable and our highly trained products team will always try to ensure you get the best product for your needs the first time.
5. You own the products
This is why instalment plans are even better than renting baby products. What if you do want to have another baby? You’ll probably want to hold on to those baby goods. So would renting be the right option?
Short answer: No.
Want it? Get it! Own It! R4K is different than rent to own. Through an instalment agreement or plan, you’ll enjoy the flexibility and smaller payments than buying your baby goods outright and be the sole owner of the products at the end of the agreed period.
So, you should consider an instalment agreement when looking to buy or rent baby goods for your first baby, and pay off the products over a 24 to 36 month period (shorter periods available on request). Then, by the time your first child is 2 or 3 years old, you could be ready for baby number two with all the products you’ll need to welcome your bub home.
Save yourself money & stress by buying nursery products on instalment
Choosing to buy baby products on an instalment agreement, rather than buying outright or going for a rental plan means you can hold on to your savings for emergencies and make your income & cash flow work more for you. With small weekly payments, getting all the products you need for your little one becomes much more manageable.
If you’re ready to get new nursery products for your baby, call R4K now on 1300 1300 77 or apply online today.