Buy Now Pay Later Shopping Catalogues In The UK
With the UK possibly relating to the verge of another financial mess and unemployment levels for a 17 year high, many people are feeling the pinch and finding that there’s just too much month left at the end of the money.
So what can you need to do if your credit rating is very poor and your washing machine breaks for instance? The banks won’t lend you any money and finding a spare £200 to £300 is not always an option. You could always try one of the new pay day loan companies you see on TV, however you may find yourself paying back far more than you intended.
There is an alternative though, and that is one of the many shopping catalogues uk that specialise in assisting people with a bad credit score history still be capable to purchase items such as fridges, freezers and washing machines. These are often called buy now pay later catalogues or pay monthly catalogues.
All the major UK shopping catalogue groups have either launched sexy new catalogues that emphasise the high fashion and desirability of their clothing. Littlewoods launched very.co.uk and JD Williams launched Simply Be and Simply Yours. The UK realised that you could no longer expect customers to buy products simply because you allowed them to spread the cost, the Internet had blown this closed shop wide open, making catalogue companies have to try much harder to get our business.
Very.co.uk have even enrolled the help of style icons such as Holly Willoughby and Fern Cotton to give their fashion ranges a boost of glamour and style. It is moves like this that has seen UK catalogues catch up with high street shops and become many women’s preferred shopping destination.
However, forget the celebrity and high fashion for just a minute…it still has to be paid for eventually.
At ISME, an online shopping catalog company that is the main Shop Direct Group that also own Littlewoods, they offer payment options that can help people with bad credit scores get the credit they need to buy essential new kitchen appliances without resorting to less desirable credit sources.
One option ISME offer is their ‘Clear balance in full’ option. You simply sign up for an ISME account add the product or products to your account and you won’t ought to pay any money in the beginning. You will receive a statement every 28 days telling you how much you owe and truthfulness clear your outstanding balance with the payment due date you’re borrowing limit will be restored and you can continue to shop if you want. Generally with these credit options there’s no interest to pay as long as you clear the balance in full by the agreed date. This option is perfect for smaller purchases, typical those of lower than £100.
The second option at ISME is the “Spread the cost”selection. This option is usually used for larger items such since computers and laptops, it allows you to purchase products now and only pay back as much as you are able to on a monthly basis until the full amount is cleared. Spreading the cost with the online shopping catalogue is designed for managing your cash flow as it allows you to purchase expensive products say for example MacBook Pro but only pay £69. 99 for the following 18 months. It is extremely important however, that you do look at the total credit price in advance of making the purchase and tend to be aware that the longer you take to for the product the more you will find yourself charged. Other shopping catalogues like Littlewoods and Kays present flexible weekly payment plans to help you spread the cost.
The last option ISME offers to customers looking to buy with credit could be the ‘Buy now pay later’ option which is typically used for purchases like new furniture or any item over £100. Again, perfect if you would like new furniture but don’t have a spare £400 to £500 in the bank and cannot get hold of credit. Currently ISME give allows its customers to purchase now and pay nothing until 2013 on almost any orders over £100. This will allow you plenty of time to save up the amount at your own rate, putting pretty much aside every month concerning now and 2013.
I’ve talked a lot about ISME in this post but you may want to shop around with most of the other shopping catalogues just before making any purchases catalogues such as Premier Man, Home Bottom part or JD Williams.
It’s also worth keeping an eye out for any special offers such as 10% off of your first credit get, which many shopping catalogue sites are now offering.