Urban Barn Card
The Urban Barn Card
The Urban Barn Card comes with a no interest no payment credit plan*, designed to make paying for your furnishings easier than ever.
You can get the furniture and accessories you want today, rather than having to wait. And you don't need to be too financially savvy to realize that getting free use of someone else's money for 6 months is better for your pocket book than using your own cash or credit cards.
Where credits cards typically offer 1 month to pay before interest is due, with our card you have 6 months before making any payments, and 6 months before interest comes into effect. The only cost to you is a small admin charge of just $29.95 (to help offset our costs).
You may qualify for the 6-month no interest no payment credit plan as soon as you spend $1000 or more in a single transaction, so our card is particularly useful for bigger ticket buys. Furthermore, at the end of the 6 month promotional period, all you owe is the amount left on your balance; and unlike some payment plans you won't have been accruing interest since your purchase date. With our card you really are getting half a year's use of this money.
You're welcome to pay off the balance at any time.
Our card provides a great opportunity to save money, and is especially useful where larger purchases are anticipated.
Some Key Features
Even if you don't need additional credit, taking out the card can make good economic sense:
- Get your furnishings now - no need to wait and save
- Keep your money in the bank or use it for other purposes
- Quick App process makes applying fast and hassle free
- Pay no interest and make no payments for 6 months
- Make smaller payments without having interest build
- Free up other credit sources in case you need them
- Low admin charge
FAQs
Is everyone eligible?
The Urban Barn Card is available to anyone who is approved for credit. While the vast majority of applicants for our card are accepted, a credit application is required. Provided you satisfy some basic criteria, with our Quick App process you can get approved in a matter of minutes, and promptly get down to some serious shopping!
Is there a minimum I need to spend?
To receive our card you don't even need to be making a purchase, and you can put purchases of any value onto your card. However you do need to make a single purchase of $1000 or over to be eligible for the 6 month no interest no payment credit plan. You have the freedom to buy items on the card before a purchase of this value is made, but regular interest ratesand the regular credit plan will apply.
Does my card get charged before my goods are delivered?
No charge will be made to your card until any furniture you've ordered has been delivered to your door! This is a major advantage of using your Urban Barn Card rather than other credit cards. Most credit cards will debit your payment shortly after the point of purchase. However our card holders will only be charged for a deposit payment, once your product is delivered. Plus if you're at the start of our interest-free period, you have a further 6 months from delivery date before any payments are due!
Can my Urban Barn Card be used at other retailers?
Our card is exclusively for use in Urban Barn stores. It can be used at any of our locations across Canada.
How do I avoid paying any interest?
If you're on the 6-month no interest no payment credit plan and you pay off your balance in full before the end of the 6 month promotional period, you won't pay a penny in interest!
So Where Do I Get Started?
You can sign up for the Urban Bard today! Just go into anyone of our stores and ask any of our Sales Associates. We will need to see 2 pieces of ID. At least 1 piece of ID should be from the Primary ID list below:
| Primary ID | Driver's license, passport, citizenship card |
|---|---|
| Secondary ID | SIN card, credit card, birth certificate |
If you already have a Visa or MasterCard bring it with you, as this can speed up your application even more.
*On approved credit. Financing provided by CitiFinancial Canada, Inc. and is subject to all the terms and conditions in your cardholder agreement and the credit promotional plan disclosure statement (collectively the "Account Agreement"). No Finance Charges will accrue and no minimum payments will be due on purchases during the 6 month credit promotional plan period. The terms of this credit promotional plan will terminate if you default under your Account Agreement. On termination or expiry of the credit promotional plan (or for purchases that are not part of the credit promotional plan), the standard APR of 28.75% and the terms of the regular credit plan will apply to all outstanding balances owing. This offer may be modified or withdrawn at any time without notice, cannot be used for previous purchases and cannot be combined with any other offers, promotions or special incentive programs. Certain terms and conditions apply. See store and Account Agreement for further information.
