- 1). Find a store that has the tanning bed you'd like to buy. If you don't know where to find or search for tanning beds, go to Google or your favorite search engine and do a simple Internet search for tanning beds. You can use the keyword phrases "tanning bed purchase" or "tanning bed sales." When conducting an Internet search, you can narrow down the search to your town or area by entering your location. For example, if your region is Minneapolis, Minnesota, you enter "tanning bed sales Minneapolis, Minnesota" or "tanning bed purchase" Minneapolis, Minnesota.
- 2). Call or visit the tanning bed store to request financing. Contact the store and speak to the personal who is in charge of financing. Examine financing options they offer. Let the financing associate know that you'd like to get financing for a particular tanning bed.
- 3). Apply for financing. Fill out the store's credit application and provide them with your credit information, including your name, your address and your social security number. This information will enable them run a credit check on you, if required. The store will also want to be certain that you have a job, bank account and ability to pay back the loan.
- 4). Make a down payment toward the purchase of the tanning bed. Pay the required down payment, usually 10 to 20 percent. In some cases, a down payment may not be required at all. It depends on the company you're dealing with.
- 5). Carefully look over the terms of the loan that the store or company offers to you. If you have poor or bad credit, you may be offered a loan that requires you to make large payments with high interest rates and huge penalties. Be sure that you go over the terms carefully. So before you sign and accept the loan agreements for the financing, read fine print to determine whether or not the terms of the loan will be right for you.
- 6). Satisfy your loan requirements. Once you've received the financing you requested and your tanning bed, abide by all of the requirements of the loan. Make your monthly payments in a timely manner, as this will help you build a good credit rating and improve your chances of obtaining financing or credit in the future.
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