Buy Now Pay Later (BNPL) catalogues allows the consumer to shop on credit, delaying payment for qualified purchases by up to a full twelve months.
Once the deferral period has elapsed most BNPL plans allow you to choose between paying your entire bill in full, or spreading your payments out over time.
Buy Now Pay Later can be a flexible purchasing options that will appeal to the customer looking to control their budget. Rather than waiting for an item you need now, before you can come up with the cash – you can buy right away and spread the cost of your shopping over an extended period of time.
Laptops, Consoles, Sofas, Beds, Ovens
From clothes and fashion accessories to appliances and personal electronics, you can purchase a full range of merchandise using a Buy Now Pay Later option. Argos have one of the cheapest buy now pay later offers right now.
On some sites the option will simply appear during the checkout process if you have already established credit with the company. If you’re eligible for this extended form of credit, you’ll see a check box that you can tick off if you decide to take advantage of this option.
The smart shopper will take care to track the time elapsed from the date of purchase. Unlike purchasing with a credit card, if you pay your bill in full before the end of the deferral period no interest will be charged at all. Otherwise, interest for the deferral period will be added to the total bill.
Littlewoods, Very, Freemans
These popular catalogues offer a Buy Now Pay Later option, but they are also very hard to get approved with. If you have a bad credit rating, it is best to avoid applying with these companies.
Bad credit catalogues | No credit checks
All catalogues with credit will require you pass a credit check before being approved for a catalogue account. If you have a bad credit history or no credit rating at all, you may still be eligible. Ultimately, it will depend on the individual retailer, as each have their own idea of what is an ‘ideal’ customer. No credit check catalogues do not currently exist. All credit applications are subject to status and affordability checks. There are a handful of catalogues for bad credit available such as Dial a TV:
Dial a TV
Dial a TV is a national rental firm, specialising in affordable rental of household appliances. They provide a hire purchase system allowing you to rent anything from LCD TV’s to fridge freezers, and other white goods. The weekly or monthly costs are very affordable. As a rental service, they will consider all applications, even if you have a bad credit rating.
- In house service and repair centre
- Free delivery and installation
- Top end brands and the latest in technology