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How to Pay for a Fire Pit and Chairs

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How to Pay for a Fire Pit and Chairs

Buy your outdoor furniture during late-summer clearance and pay it off over 18 months without interest.

VoAtlas editorial Updated · 3 min read
Typical cost $1,100 before anything else
Across the 0% window $61.11/mo 18 months, no interest

How we got that: $1,100 spread evenly across the 18-month introductory window on the Citi Simplicity® Credit Card. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

Your backyard becomes a second living room once the sun goes down. Instead of sitting inside, we can stay outside with a drink and a fire while the air cools. It takes a weekend to set up, but the impact lasts all season. The trick is waiting for the August and September clearance sales when stores need to clear floor space for snow blowers.

Do not just buy the first set you see. Get prices from at least three different retailers or local crews if you are doing a stone pit. Prices for the same Adirondack chairs can swing by hundreds of dollars depending on the material and the brand name on the box.

The interest-free period is a tool, not a gift. If you still have a balance after those 18 months, the standard interest rate kicks in on whatever is left. There is also a late fee if you miss a payment, so keep your autopay active to stay on track.

The steps

  1. 01

    Wait for the late summer slump

    Retailers start slashing prices on patio sets in August to make room for fall inventory. This is when that $1100 setup usually drops to its lowest price. You get the same gear for less just by being patient.

  2. 02

    Get three quotes

    If you are hiring someone to build a permanent stone pit, ask for three separate bids. Labor costs vary based on how busy the crew is. If you are buying a kit, check at least three different hardware stores for price matches.

  3. 03

    Use the Citi Simplicity® Credit Card (Citi)

    This card offers 0% for 18 months on purchases and balance transfers from date of account opening. It gives you a long runway to pay for the furniture without interest dragging you down. You just need to make sure the furniture is the first thing you buy after opening the account.

  4. 04

    Break down the math

    Divide your total cost by 18 to see your monthly target. For an $1100 setup, that is $61.11 per month. Set up an autopay for that exact amount so you do not have to think about it again.

  5. 05

    Choose polywood over pine

    Spend a little more upfront on chairs made of high-density polyethylene if they are on sale. They do not rot or need painting like wood does. You will save money over five years because you will not be replacing them.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Citi Simplicity® Credit Card carries the date a person verified it against Citi and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Citi Simplicity® Credit Card terms →

Common questions

When is the best time to buy patio furniture?

Late August through September is the sweet spot. Stores are desperate to clear out summer stock before winter items arrive. You can often find discounts of 40% or more during these clearance events.

Is a gas fire pit better than wood?

Gas is faster to start and has no smoke, but it costs more to install and run. Wood gives you that classic smell and higher heat for less money upfront. If you want convenience, go gas; if you want the vibe, stick with wood.

How do I keep Adirondack chairs from blowing away?

Look for chairs made of heavy recycled plastic or solid teak. These materials are much heavier than cheap injection-molded plastic. If you live in a high-wind area, you can also use small anchors or deck ties to keep them in place.

Does the 0% interest start when I buy the chairs?

No, the clock starts the day you open the account. If you wait three months to buy the furniture, you only have 15 months left of that 0% for 18 months on purchases and balance transfers from date of account opening window. Buy your items as soon as the card arrives to get the full time.