Buy Now Pay Later is a site that helps you to find online retailers that will sell to you on "buy now pay later" terms, enabling you to buy the things that you need now, and spreading the cost over the coming months.
Buying items on credit can help you pay for the higher cost items that you need by spreading the payments over weeks, months or years. Some of the retailers on this site also offer interest free credit.
However, you should bear the following points in mind when buying on credit:
- Don't spend more than you can afford to, just because you can spread the payments. If you spend a lot on credit, then the repayments will mean that you won't have as much disposable income each month, for things like food, utility bills and going out.
- Pay attention to the interest rate (APR) on offer. Some interest free deals will suddenly charge you interest if you don't pay in full within the interest free period, so pay attention to any small print.
Online Retailers offering buy now pay later on a range of products include:
| Retailer | Information | Buy Now Pay Later | Interest Free Credit |
| Littlewoods | Littlewoods sell a huge range of products online, including clothing, electricals, gifts, home and garden furniture, soft furnishings, toys and baby equipment. Delivery and returns are free. Buy now pay nothing until 2013 with voucher code 22X6U on orders over £50, code expires 2nd July, 2012 |
Yes | Yes, up to 52 weeks | Very | Very sell the same range of products as Littlewoods and both companies are part of the Shops Direct Group. Very is cheaper than Littlewoods but the interest free credit period is shorter. Voucher Codes Buy now pay nothing for 6 months with voucher code 247HJ on orders of £100 or more. Offer expires 31st May, 2012. Buy now pay nothing for 9 months voucher code 247HH on orders of £150 or more. Offer expires 31st May, 2012. Buy now pay nothing for 12 months with voucher code 247HK on orders of £250 or more. Offer expires 31st May, 2012. . Get 10% off when you open a Very credit account - quote code 23U54. New customers only, excludes audio, gaming,computers and sale items; offer ends 31st July, 2012. |
Yes | Yes, up to three months | Argos | Argos is a familiar store on our High Streets and online, but did you know that you can buy now pay later with the Argos Card, and get up to two years interest free credit? Simply select the Argos Card as your payment method at checkout. | Yes, with the Argos Card | Anything from 59 days to two years, depending on what you buy and the amount you spend. |
| Freemans | Freemans is an online catalogue selling clothing for men, women and children, together with everything for the home, electricals, garden tools and furniture and gifts. | Yes, with the Flex Account | Up to one year on balances over £500, or 5 months on balances below £500. Plus the whole balance is respread every time you make a purchase. |
All credit is subject to status
Buy Now Pay Later
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