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|
|Brighthouse||Brighthouse offer weekly payments on a range of household items including tvs, audio systems, gaming consoles, computing, kitchen appliances and furniture.
|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.
|Very||Very sell the same range of products as Littlewoods and both companies are part of the Shops Direct Group. ||Yes|
|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|
|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|
All credit is subject to status