Are you struggling financially? Are the holidays placing a huge burden on your budget? Or, maybe you need a new laptop with accessories, or new furniture very badly, but don’t have the funds at the moment.
Several major online catalogues in the UK recognize that life doesn’t always wait even though money might be dragging you down, and that is why they offer Buy Now, Pay Later financing as an option for online shoppers. This is ideal for those customers who are looking to a buy a new laptop on finance.
Buy Now, Pay Later gives you the option of purchasing a product now, and then paying for it later in monthly installements. For expensive items like furniture sets or laptop computers, this can help a great deal as spreading the cost over 12 months rather than 1 day can be most beneficial. If you need accessories like an extra battery or an a/c adapter with your laptop, then Buy Now, Pay Later gives you the time to pay the extra cost. Of course, the figure that you have to pay back may include some interest charges depending on the payment plan you choose and the interest rates themselves. Again, it’s also key to note that buy now pay later deals vary from catalogue to catalogue.
Jacamo as an example. Jacamo allows you to buy the item you want at no cost, and spread the payments over a period of 12 months. Perhaps you’re waiting to be paid in your job. Maybe you know that you’ll have the necessary funds to cover the purchase very soon, but just not now. If you know you’ll have the money within the next three months, then Jacamo’s Buy Now, Pay Later is the perfect way to get the product you need while still maintaining control of your finances.
Littlewoods, along with Jacamo, offers the option of waiting twelve months until you have to make your first payment with purchases of 50 pounds or more. Maybe you’re planning a job change, or some other transition that will make money available to you in the future. Littlewoods offers you a full 12 months to acquire and save the money needed to pay off the debt.
Some catalogues also offer extra bonuses like free next-day delivery and free returns, if you don’t like the product. Many will also offer 10-20 percent off your first purchase, if you utilize the voucher code that they make available.
Buy Now, Pay Later also provides an excellent opportunity for shoppers with bad credit to help fix their credit score. Most online catalogues allow customers with bad credit to start on slightly higher interest rates in order to cover themselves. Using these catalogues can allow you to amend that bad credit score in to a great one that can help save you money in the future.