You will need to invest in home furniture at some point in life. When you purchase or build a new home, you will need to invest in quality furniture to enhance comfortability in the home. When you are relocating to a bigger house, you might also need to buy new furniture. One can also be on the market for new assets when they intend to replace old furniture. Irrespective of the reason why one requires new furniture, It is essential to ensure that you make the right decisions when in the market.

Considerations when purchasing new furniture

Here are some essential tips to help you make the best decisions when investing in new furniture.

1.      Consider looking for furniture online

Online shopping is without a doubt one of the best inventions of our time. Finding products through the internet not only saves your time, but it ensures you can find a broad range of items from the comfort of your home or office. The best dealers such as Kenya Credit Traders Limited allow you to purchase items before delivering them to an office near you. You have the chance of getting the best deals if you choose to find furniture online.

2.      Learn the quality of the furniture

It is always tempting for one to focus on the price of furniture at the expense of other essential factors. However, quality is one of the vital areas to keep an eye on. One will want to invest in furniture that will last for years. In most cases, the quality of the furniture is dependent on the type of wood used to make the furniture. Mahogany, Teak, and maple wood types are known for making durable home furniture.

3.      Consider the cost and payment options

One of the most essential aspects to focus on when shopping for home furniture in Kenya is your budget. Having a budget is the surest way to avoid running into financial troubles later. Do not focus a lot on finding cheap furniture as this might mean you will compromise on the quality. On the other hand, one should not overpay to buy furniture.

Financing is one area of concern when looking for new furniture. In modern times, Lipa Mdogo mdogo, or hire purchase, is the best payment option. This allows you to pay a fraction of the total cost to get the furniture. You can enjoy the benefits that come with the sofas, dining tables, Mahogany beds, or coffee set while you make monthly installments payments to acquire full ownership.

Visit our Facebook page, Kenya Credit Traders to find the latest deals.

A wet and dry vacuum cleaner is an essential addition when you are looking to keep your home or business clean. If you run a cleaning business, this is an asset that you might need to invest in. With different types of floors that one needs to clean, there is a need to focus on different types of vacuum cleaners to identify the right one.

The upright vacuum cleaners are considered an ideal option since they can clean almost every type of flooring. While the wet and dry vacuum cleaner is ideal for carpeted areas, it also comes with adjustable heights, allowing you to clean hardwood floors as well. Additional features of these cleaners also help with spot treatments apart from floor cleaning.

How to identify the best vacuum cleaner to purchase

You will not be short of choices when looking for a wet and dry vacuum cleaner to purchase. However, there is a need to keep the following aspects in mind.

1.      Size

One needs to consider the size of the vacuum cleaner before purchasing. Some vacuum cleaners are bulky and difficult to store. However, these cleaners tend to be the most powerful. Brands such as Ramtons have developed a portable vacuum cleaner that is powerful enough to handle almost any cleaning task.

2.      Power

Wattage is also part of the basic considerations when in the market for a vacuum cleaner. Before investing in any cleaner, one needs to ensure that it can handle the job they intend to use it for. The higher the wattage rating, the more powerful the suction from the cleaner.

3.      Features

It is also vital to check on the features that come with the vacuum cleaner you intend to purchase. The features have an effect on the height, weight, and ability of your vacuum cleaner. While you will not need all the additional accessories at all times, there are instances when they will be handy.

4.      Cost and payment options

When looking for a wet and dry vacuum cleaner, you will always have a budget to guide you. One can expect to pay more for vacuum cleaners with extra features. However, this doesn’t mean that you should overpay.

One of the best reasons to shop at Kenya Credit Traders Limited is that we offer hire purchase terms for different items. This means that you can acquire a vacuum cleaner at a fraction of the total cost. You will enjoy the benefits that come with the vacuum cleaner as you make monthly payments and finally acquire full ownership.

Visit our site to view a wide variety of products. Also follow us on Facebook, Kenya Credit Traders, for the latest offers.

Hire purchase is one of the oldest payment options in Kenya. In fact, the Hire Purchase Act 1 was enacted in 1968 and was implemented on 2^nd November 1970. However, it has evolved in modern times due to new market dynamics. In the past, hire purchases usually focused on business assets, but in modern times, it is possible to even acquire a mobile phone on hire purchase.

Why Hire Purchase Is A Favorable Payment Method

There are a variety of benefits that hire purchase offers to the seller as well as the hirer.

Benefits Of Hire Purchase To The Buyer (Hirer)

If you choose to buy goods on hire purchase, you will enjoy the chance to reap the benefits of the assets even before they own them. Immediately after you pay the deposit, the seller delivers the assets, allowing you to utilize them. Upon paying the last installment, you gain ownership of the item.

The buy also has the chance to plan their finances when they choose this payment method. The best traders such as Kenya Credit Traders Limited will allow you to agree to a fixed term and deposit that is favorable. The interest rate and installments are fixed, thus allowing you to conveniently plan for your finances.

Unlike other financing options such as loans, overdrafts, or credit cards, when you choose to hire purchase, you enjoy lower interest rates. This saves your money in the long run.

Benefits of hire purchase to the sellers

The major benefit of hire purchase to the sellers is that they can enhance sales as well as profits. The convenience that buyers enjoy when they choose this payment method definitely encourages them to make purchases. The interest charged on products also works to increase the profits.

Lipa Mdogo Mdogo, as hire purchase is commonly referred to in Kenya, allows you to purchase assets for your home or even business. At Kenya Credit Traders, we offer a broad variety of products ranging from Dining tables, beds, TVs, Solar panels, and Mobile phones to refrigerators and microwaves.

Head over to our site to view our products. You can also learn about the best deals by checking our Facebook page, Kenya Credit Traders.

A 90L single-door fridge is a worthy addition to any home or office in modern times. In your home, this fridge will ensure that you keep your products fresh before consumption. Some of the farm produces we use in our homes are perishable, and need refrigeration to stay fresh. Other products such as soft drinks are better when served cold, thus the need for one to invest in a fridge.

Reasons to consider investing in a 90L single-door fridge

You will always have options when in the market for a refrigerator. However, the 90L Ramtons model stands out due to the many benefits that it offers.

1.      Affordability

When one is in the market for a fridge to add to their home or office, there is no doubt they will consider the cost of the product. The 90L fridge is one of the most affordable models on the market. The best part is that leading dealers such as Kenya Credit Traders Limited allow you to purchase a fridge on hire purchase terms. You can have the products delivered to you at a fraction of the total cost. You will enjoy the benefits of the single-door fridge while you make monthly payments before acquiring full ownership.

2.      Size

Before you invest in any fridge, one needs to determine the amount of space available in your home or office. While the 90L fridge can hold a lot of items at once, it comes in the most compact size that can fit in any home or office. You do not need to get rid of other appliances to add this fridge to your home.

3.      Energy efficiency

Energy efficiency is, without doubt, a top consideration for any homeowner in the market for a fridge. You do not have to worry about high electricity bills if you make the right choice and invest in this 90L single-door fridge since it is one of the most energy-efficient models.

Visit our site to view the products and place your order. Also, follow our Facebook page, Kenya Credit Traders, for updates on new products and offers.

When you require one, two, or more cups of coffee to get going in the morning, there is a need to invest in the right machine for the job. A coffee maker makes the work of preparing coffee easier, saving your time every morning. However, with the many models and brands available on the market, finding the right one to invest in might be a daunting task for any person.

Areas of concern when picking a coffee maker

There is a lot one needs to consider before choosing a given coffee maker. However, here are the primary aspects to focus on.

1.      Functionality

The features that come with the appliance are part of the key aspects to focus on. Some of the modern coffee-making machines are programmable. This means that you can have your coffee ready every day when you wake up. The less automated coffee makers might not offer this level of convenience. However, one should be able to operate them with a push of a few buttons. In the case of manual machines, they will require your full attention if you want to obtain the perfect coffee.

2.      Size

While the size of the coffee maker doesn’t necessarily determine the amount of coffee that it can brew, it is still part of the essential considerations. Before investing in one, there is a need to determine whether you have sufficient space for the appliance in your kitchen.

3.      Extra features

One needs to select the coffee-making machines depending on how they like or take their coffee. If you will need to make coffee for just yourself, a single-serve machine will be your ideal choice. In a case of a big family, there is a need to find larger models that can brew 10 to 12 cups. If you will be taking more than one cup, it is advisable to find models with insulated mugs or carafes to keep your coffee hot and fresh-tasting for hours.

4.      Pricing

Cost is without doubt part of vital the considerations before purchasing any coffee-making machine. Ensure that you get value for your money before purchasing one. The best dealers such as Kenya Credit Traders sell the coffee makers on hire purchase terms.

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Every homeowner who has invested in home appliances will be keen to protect them from damage. A fridge protector is an essential addition if you recently invested in a fridge. When you consider the worth of your fridge, TV, microwave, or washer, you will be eager to find a guard to protect them from electrical surges.

Considerations when out to purchase a fridge guard

You will not lack options when looking for the best fridge protectors to purchase. However, every homeowner wants to get value for their money, and here are some crucial considerations.

1.      Wattage

The primary purpose of the fridge protector is to protect your refrigerator from a power surge or instances of low voltage. It is thus essential to find a fridge guard that can handle heavy power loads. Checking the wattage rating of the guard is the best way to learn if it can handle the power requirements of your refrigerator. The higher the wattage rating of a given guard the better protection it offers to your fridge due to better power output.

2.      Delay timer

Most surge protectors in modern times come with a delay timer function which is very essential. The primary purpose of the delay timer is to ensure that your fridge doesn’t start up right away after an electric surge. This function is useful, especially in the case of multiple electrical surges. The best fridge guards come with at least a half a minute delay.

3.      Warranty

While the basic reason you are purchasing a fridge protector is to protect your fridge from a power surge, it should also be reliable and durable. The best fridge guard should be able to withstand electrical surges. The best brands usually offer a warranty for surge protectors.

Visit Kenya Credit traders to find fridge guards at a fair price. You can also follow us on Facebook, Kenya Credit Traders, for updates on offers and new products.

One of the essential appliances we need in a modern kitchen is a refrigerator. A 90L double door fridge is a perfect addition to any kitchen, considering that it helps keep perishable products fresh.

You will always have choices when in the market for a new refrigerator. Having so many choices make the task of selecting the ideal one for your home a huge task. Keep reading to find useful tips to guide you when out to add a fridge to your kitchen.

Consideration When Purchasing A 90L Double Door Fridge in Kenya

1.      The cost

You will always have a budget to guide you when buying a new fridge for your home. Every homeowner aims at saving cash before they purchase any product. In the case of a double door fridge, looking for only cheap products might mean that you compromise the quality. However, this doesn’t mean that you overpay. Always focus on getting value for your money.

2.      Payment methods

Apart from the buying cost, one also needs to check available payment methods. In modern times, more people choose dealers such as Kenya Credit Traders Limited that allow you to acquire products on Hire purchase terms. This allows you to acquire a fridge at a fraction of the total cost. You have the chance to utilize the fridge even before you acquire its full ownership.

3.      Features

One should never ignore the basic and essential features when out to purchase a fridge. Some features such as an ice maker might seem convenient, but they will mean that you pay more for the fridge. The features also determine the efficiency of the fridge. Some fridges come with separate compartments for storing different types of foods.

4.      Size

One needs to determine the size of a fridge that will suit their home before investing in one. The size of the fridges is usually listed in liters. This Ramtons 90L double door fridge will be ideal for a small family. Larger families will opt for a fridge with higher capacity, and its price is also higher when compared to the small ones.

Check double door fridges and other kitchen appliances on our website. Also, follow us on our Facebook Page Kenya Credit Traders for the latest offers and deals.

Microwave ovens are a welcome addition to any kitchen due to the convenience that they offer. There are plenty of benefits that they offer. These appliances allow you to quickly heat or reheat your food. They come with a design that utilizes radio waves to evenly heat your food and are environmentally friendly since they do have any harmful emissions as is the case with conventional ovens. Modern microwaves are also easy to install and use.

Top tips to help you find the best microwave oven to purchase

You will always have options when looking to purchase a microwave. However, different models offer different experiences when purchased. Here are considerations to ensure that you only purchase the right model for your home.

1.      Size

There is a need to determine the amount of space available in your kitchen before investing in a microwave. At Kenya Credit Traders Limited, we have a range of countertop microwaves. These models will almost fit in any kitchen, considering that they offer flexibility. To determine the right size to invest in, you need to identify the type of food you typically cook in a microwave. Our 20L Microwave ovens are the most popular for shoppers as they can serve a family of up to four members comfortably.

2.      Wattage

Wattage determines the rate at which the microwaves cook your food. Microwave ovens that have high wattage are likely to cook food faster and also more evenly. Microwaves with wattage between 700 and 1000 watts are the ideal option as they cook your food well and are also reliable.

3.      Brand

Before you invest in any oven, you will need to ensure that it is reliable. Checking reviews online is the ideal way to determine whether a given brand you intend to invest in is reliable. Ramtons brand is one of the trusted brands in Kenya due to its reliability and longevity.

4.      Cost and payment options

You will always have a budget when in the market for a microwave. Cheap microwave ovens might compromise quality, but this doesn’t mean that you overpay to purchase one. Always ensure that you get value for your money.

Kenya Credit Traders Limited is the best shop for kitchen appliances. We offer hire purchase payment terms and this allows you to own a Microwave at just a fraction of the total cost.

Follow us on Facebook for the latest deals and offers on Kenya Credit Traders.

Hire Purchase Vs Lease – Which One Is Right for You?

Leasing and hire purchase are some of the asset financing options available in the modern market. Most of the items we aspire to own in modern times can be expensive. From smartphones, kitchenware, electronics, and even solar products, we might not have enough money to make cash payments.

When you choose to hire purchase, you immediately gain possession of the asset after making the down payment. You will have the chance to utilize the item before making full payment. This is one of the major benefits of hire purchase.

Leasing, on the other hand, is a contractual agreement where you pay the lessor to use their asset. The payments are made within a given period of time. Here we explore the major differences between the two financing options.

The decision on the financing option to take depends mostly on the value of a given asset. Lease agreements are ideal for costly assets such as machinery, land, and property. Lease agreements are usually between two businesses. Hire purchase is ideal for less costly items such as household furniture, and electronics.

Differences between leasing and hire purchase

Ownership

When you purchase furniture, TVs, kitchen appliances, or any other assets on hire purchase terms, you acquire possession immediately you make the down payment. One is also required to make monthly payments to fully acquire ownership of the items. On the other hand, at no point does one becomes the owner of the asset in a lease agreement unless it is a rent-to-own agreement. One will have to buy the asset before the expiry of the lease.

Upfront payments

When you buy items on hire purchase, you require paying a fraction of the total cost as the down payment. This is called the principal amount. One needs to clear the total cost by paying monthly installments. On the contrary, one doesn’t require a down payment when it comes to leasing.

Duration

The value of a given asset is one of the primary considerations when choosing between hire purchase and lease.

Lease agreements usually cover enormous assets such as vehicles, machinery, property, and land. They thus need a longer duration. Hire purchase agreements are the ideal choice for household or personal items such as smartphones, TV sets, household furniture, etc. Payments are thus made within a shorter duration when compared to lease agreements.

Hire purchase as a financing option

Hire purchase plans have become a common financing option in our modern times. Businesses, as well as individuals, prefer using hire purchase to buy new assets. The many benefits of hire purchase are the primary reason to utilize this financing option.

Areas of interest when signing a hire purchase plan

Regardless of the items, one wants to purchase, there is a need to ensure that you get the best hire purchase agreement. Here are some areas of concern before signing a given plan.

The asset you need to purchase

The quality, quantity, and condition of the assets you intend to purchase are part of the basic considerations. One should not purchase items on hire purchase just for the sake of it. It is always desirable that you buy items that you need. If you have a new home, purchase furniture, electronic gadgets, and kitchen appliances that you require. At Kenya Credit Traders Limited, there are a lot of items that we need in our homes, available on hire purchase terms. All our products come in perfect shape as we offer the best quality available on the market.

Ability to pay off the cost of the items

At times, hire purchase can be tempting to any person. The installments payment can tempt you to purchase items beyond your reach only to get difficulties when out to complete the payments. One needs to assess their income and frequency and ensure that it is possible to pay the installments when they are due. When one is unable to clear the payment, the seller has the right to repossess the assets, and you will lose payments you have already made.

The total cost of the assets

When buying household items on hire purchase, one is required to make a down payment before delivery is done. Afterward, you are required to make monthly installments as specified in your plan. The total cost includes the deposit and the installments. Since you are paying in installments, the seller also adds some interest. Before signing any hire purchase plan, ensure that you are getting value for your money.

Delivery and ownership transfer

The best hire purchase plans specify how delivery is done. Kenya Credit Traders Limited delivers all the items to the branch near you. The date to transfer the ownership also ought to be specified in the plan, as long as you have met all the set conditions.

Visit our online store to find all assets available on hire purchase terms.