RAC is one of those places where you win some and you lose some. In my opinion, you lose slightly more than you win.
Pros: >You get the item immediately, vs having to save the money up and THEN buy it.
>The items are surprisingly decent quality. I weigh 200+ and I stood on one of drawers out of the dresser and it didn't even bend.
>That whole 6-months-same-as-cash thing saves a lot of money.
>Doesn't charge interest if you pay off early.
>My personal store, everyone is nice and they know me personally so it's fun to stop in and pay and say hi.
Cons: >You could just save the money and buy an item outright, not have to worry about paying something every month. But then you have to go months without the item.
>The items could be a lot higher quality. They don't break but you can tell it's pressed wood and chinese paint and nasty.
>When it comes time to get rid of the RAC item and get a new thing, it's impossible. RAC superglues everything together so you can't unscrew it and bring it to the dumpster. Either gotta throw it away whole or hammer it apart and make a HUGE mess.
>You still end up paying a lot more for a lot less even with the 6 months cash deal, just cuz that's the nature of the beast with these kinda businesses.
>Doesn't report to your credit score, which I guess could be a good thing if you're bad with payments, but I'm always good with payments so I wish it reported and helped my score.
>The insurance thing? Charges you extra each month but then doesn't really cover anything. My table broke last year and they basically told me "oh well, can't replace it, but you can come buy a new one!" and then the same thing with my couch this year.
>The spam calls. OMG they call like 3 times a week. It's ridiculous. if I wanted to buy something, I would go there or go to the website. Stop trying to upsell me please. ~Sammi
furniture store
appliance store
cell phone store
electronics store
furniture rental service