Firm Exercise Program

Credit Available, but Consumers Remain Wary

HIGH POINT - Retail credit availability doesn't appear to have declined much lately, despite the recent volatility in financial markets.
     A nagging problem remains, however: Getting enough consumers to want to exercise that credit to buy home furnishings.
     Bill Hartman, president of buying cooperative Furniture First, said it doesn't look like the volatility will affect credit availability. Furniture First offers consumer financing programs through TD Retail Card Services and Wells Fargo.
     One problem with retail finance continues to be that the industry hasn't yet replaced the customers lost with the changing of no-interest, no-payment, no-down-payment promotion rules that ruled out the no-payment part of those programs.
     Hartman said 10% of the customers who used the financing programs prior to 2008 are gone from the market. About a third of consumers are using financing for furniture purchases, he said.
     Twelve months, with a minimum payment and same as cash offer, is probably the most promoted financing deal offered these days by retailers, and also one of the cheapest, Hartman said.
     While he said 48-month programs are coming back, longer term offers are cost-prohibitive for many dealers. For a long-term financing offer, such as the once-popular 60 months, a dealer would pay as much as 18% of the value of loan, Hartman said. For a 12 month offer, a dealer pays about 3%, Hartman said.
     "It's going to be a lot more expensive.... That's 15% higher that you've somehow got to take out of your gross profit margin to pay for it," Hartman said.
     He said he's not expecting to see much change in the economy for the rest of the year, and said he has a "gut feeling" that interest rates may begin creeping up by the end of the year.

Fitness center the Question of Kilgore Vitamins: Precious metal ...

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