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Topic # 24454 24-Jul-2008 14:49
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Maybe its my brain missing something (coming down with flu so wouldnt surprise me), but why are consoles (PS3, Xbox) excluded from Harvey Norman hire-purchase deals ? (30months interest free etc)

"Excludes all Apple products and gaming consoles"

It cant be due to cost of the item because they say "on purchases from $500+" and a PS3 is approx $800.....





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  Reply # 150975 24-Jul-2008 15:14
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It's because of the very low margins in these products - the retailer is having to pay the finance company a $ value for the interest free term and with many low margin products there is no profit in it for them.

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  Reply # 151009 24-Jul-2008 16:18
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As Steve has pointed out, most retailers exclude Apple products and gaming consoles due to the very low margins on them.

Apple provide the low margins on their products, and competition is the reason for the low margins on the consoles. Also, there is no such thing as interest free, someone is always paying for it. In the case that we do not have to, then the retailer pays it.

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  Reply # 151035 24-Jul-2008 17:25
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DSE Powerhouse is always the best for interest free - the only thing they exclude is portable GPS units.

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  Reply # 151047 24-Jul-2008 17:57
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I've found from experience if you have a real good credit rating with the likes of GE Money from years of business with the likes of Noel Leeming, sometimes they will try to get a interest free deal for you and sometimes get them :)
But yeah the thing with Margins is correct, a previous job of mine gave me the ability to get things at Noel Leeming at cost price, when I checked out a gen 2 4gb ipod a year ago, the discount only worked out to be around $15, so yeah there is def nothing in it.

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  Reply # 151634 26-Jul-2008 17:30
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I got my Macbook Pro from DickSmith on 25 months interest Free

I also got a X-Box 360 from Bond&Bond on 12 months interest free.

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