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Showing posts with label Buy Now Pay Later. Show all posts
Showing posts with label Buy Now Pay Later. Show all posts

Tuesday 12 November 2019

Nintendo Switch Interest Free Payment Plan - Christmas Black Friday Pay £12.50 Per Month for 12 Months


Only 42 days left until Christmas…

The Nintendo Switch is one of the most popular consoles and will be flying off the shelf this Christmas 2019. The Nintendo Switch retails between £290 to £350 depending on which Nintendo Switch Bundle you choose. 

Fortunately, you can spread the cost of buying a Switch using instalment plans which include Zero Percent Interest where you can pay between 12 – 24 months. Here are some of the offers you should definitely consider.


Nintendo Switch 0% Interest Free Finance


Always look for 0% interest when you make a purchase because you wont have to pay anything extra and you have the luxury of making smaller payments over time. 

If you can pick up a Nintendo Switch when there is a sale with 0% interest over 24 months you have bagged yourself a great deal and saved a lot of money on the item and interest cost saved.

AO.Com Interest Free Nintendo Switch Deal


AO are offering interest free credit on the Nintendo Switch. You can choose an instalment plan between 6 and 12 months and pay every month. The great thing is no deposit is required and they are pretty-loose when it comes to credit. 

AO can deliver your console the next day so you can have it tucked away for Christmas ready for your children’s eyes to light up. 

The only SNAG is AO.com require the purchase to be over £350 for the 12-month instalment plan so you must buy a bundle with controllers and games. 

For the 6-month interest free plan to kick in you must spend £200 overall.

Argos Interest Free Credit Nintendo Switch Deals


Argos is hitting back with their own interest free credit deal for up to 12 months. The great thing about the Argos Deal is you can pay it back whenever you want if it’s within the timeframe of 12 months. 

You are not required to make 12 equal payments and you can pay it all off one day before the due date. If you can’t make the payment on the due date the interest is bumped up to 29.9% APR (Expensive!)

To take advantage of this offer you will need to apply for the Argos Credit Card which you can do online, they have pretty loose credit so the chances of being accepted is very high. 

You can make the application for the credit card when you go to the checkout page for the Nintendo Switch.

Game Interest Free Nintendo Switch Deals


One of my favourite deals is through Game.com. If you have PayPal you can use PayPal Credit it make the purchase. 

The only SNAG is they only offer a 4-month instalment plan but on the plus side the price only has to be over £99 which make the Nintendo Switch Light Eligible. PayPal credit is pretty loose so even if you have bad credit you might still be accepted.

Music Magpie Nintendo Switch Interest Free Deals


If you want to save some money this Christmas look no further than Music Magpie! This is a exclusive retailer that specialises in second-hand refurbished goods. The products are checked rigorously and are in pretty good nick. 

Music Magpie can offer you a refurbished Nintendo Switch Console at zero percent interest and they have a pretty relaxed credit application process. So even if you have bad credit there is a good chance you’ll be accepted especially during the Christmas Period. 

Your order will have to be over £99 and you can only use the PayPal credit facility which is available over 4 months. If you do decide to purchase a £99 Switch Light you only have to pay £25 per month over 4 months.

Buy Now Pay Later Finance for Nintendo Switch


If you want even more flexibility you should consider Buy Now Pay Later Finance. Retailers will offer you a Nintendo Switch whereby you don’t have to pay a deposit and can pay the full balance at your earliest convenience if it’s within the offer period. 

Buy Now Pay Later is offered through Argos, AO.com Game, Music Magpie and eBay. Check out their terms and condition if you want even more flexibility. Be careful to make a not of the latest date you need to make the payment otherwise you will be charged the Standard Variable Rate which is usually 29.9% APR.

Pay Weekly Finance for Nintendo Switch


Bright House and Argos offer a pay weekly finance plan but they do charge interest. If you prefer to make weekly payments this plan is for you. 

Beware of high interest charges, typically Bright House charges 99.9% APR for their Pay Fortnightly or Pay Weekly Plans. These plans are very easy to get approved for and they welcome people with bad credit too.

Nintendo Switch Bad Credit Finance


What about a poor credit history? Missing payments can lead to an adverse credit report. Some of the retailers mentioned above are unlikely to approve you of credit even though they have relatively loose credit approval process. 

There is a company called Lintronics.UK which offers credit to people with poor credit scores and the great thing is they offer 0% APR and boast they offer credit to 96% of their customers. This is a company you should check out if you want to buy a Nintendo Switch and are worried about your credit score.

Wednesday 21 February 2018

Buy Now Pay Later Catalogs - Instant Credit Approval in 2020

Buy Now Pay Later Catalogs - Instant Credit Approval 


Previously on The Millionaires Giving Money Blog I wrote a post on how people on low income could use buy now pay later catalogs with instant approval if they needed to make an emergency purchase. That particular post received a lot of attention and appreciation so I thought I would write another thorough post with 10 Buy Now Pay Later Catalogue sites to help low income families to make ends meet. 


This website was originally started to connect millionaires and billionaires with low income families but since then it has blossomed into a place where unconventional personal finance ideas are embraced! 

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 Buy Now Pay Later Catalogs offer flexibility to purchase an item now and then pay it later. There are some catalogs which offer interest free periods which means you wont need to pay anything for up to 12 months. You might also have the facility to defer your payments so there's nothing to pay for the first 6 months. Buy Now Pay Later catalogs are useful when you need a household item urgently. Say for example your freezer is beyond repair you could buy then product from a catalog and then spread the payments. 

Having a Buy Now Pay Later facility allows you to spread the payment so you don't have to take out nasty expensive payday loans. Buy Now Pay Later catalogs also offer a credit facility to people with bad credit. The limit you start off with is low but you can build this up once you establish you can make payments on time and regularly. So now without further ado here are my 10 favorite buy now pay later catalog sites which may have instant approval in 2016. 
Top 10 Buy Now Pay Later Catalog Websites


BNPL 1: Fingerhut 
  
Fingerhut was founded in 1948 so its a very reputable company which treats customers properly. There is a real family feel to this business and website and you're well looked after with the customer service however small your purchase might be. Fingerhut is also quite lenient with its credit approval offering and offers a wide variety of household items from electrical to clothing. With Fingerhut no down payment is required and you can make monthly payments on large purchases. 


  
BNPL 2: Flex Shopper 
  
With Flexshopper you will get very lenient credit approval so if you don't have the best credit in the world you could try your luck here. There are no down payments required and no pesky hidden fees to content with. You have the opportunity to be approved for a large credit limit of $2500 which can be used to buy however many products you require as there is no limit.  
  
You can make small weekly payments over 7 to 29 days and there is no commitment over the long term. Flexshopper also accept returns so if you no longer need your product then you can return it as long is its in its original condition. Flexshopper is great when you need to buy a household item urgently and want to avoid high interest loans. 



BNPL 3: Gettington 
  
Gettington offer incredible choice with their extensive catalogue. They also have a very lenient credit approval process where the limit is increased quickly so long as you make payments regularly and on time. Making larger payments and clearing the balance sooner will get you browney points which might extent your credit limit further. 
  
With Gettington you have two options when it comes to spreading the cost of your shopping. You can choose a four payment period spreading cost over 4 payments or the 24 month payment period. Also with Gettington you get variety with all the products in its catalogue, you will find brands such as Nintendo, Samsung, Dyson, Sony and Apple. Gettington also have a price promise whereby if you order a product and the items price is reduced before shipping you will have the difference returned to your credit account.  
BNPL 4: Ginny's 
  
Ginny's customer service is one of the best I've experienced. The online customer satisfaction stands at 100%. With Ginny's you can reduce your payments to as much as $20 a month over a long period of time. The products are also competitively priced. You can also apply couponing to this catalogue where coupons and special offers can be found on their Pinterest and FaceBook page. You should ideally use Ginny's if you want  


  
BNPL 5: Home Shopping Network 
  
The Home Shopping Network has a friendly customer service which aims to answer questions very quickly. You also have a very lenient returns policy so you can return items you no longer need. You can spread the payment in addition to paying by credit card, debit card and even PayPal. 
  
The Home Shopping Network offers Flex Pay where you can buy now and pay later. There are no fees or interest on the payments for a period of time after which the interest APR is added. Its really simple to sign up and you get access to a wide range of products and brands including Plasma TV's, Cutting Edge computers as well as consoles such as PlayStation and Xbox. 

Resources: Home Shopping Network Credit Application

  
BNPL 5: Montgomery Ward 
  
If you're looking to improve your home with furniture, kitchen & bathroom supplies, as well as remodeling supplies for the home you can find everything you need at Ward. The catalog site offers exceptional customer service and has no hidden fees in its payment plans. The credit application process is simple and obtaining credit is relatively easy and you get approval within 24 hours.  
  
Montgomery Ward also has a very easy to understand payment structure. With a monthly payment of $20 you can purchase $200 worth of items. With $25 you can purchase $400 and with $30 you can purchase $600 worth of goods. 


 

BNPL 7: QVC.com 
  
 QVC comes to the rescue when you need clothes and shoes urgently. The extensive range of fashion means you wont be stomped for ideas. To start shopping with QVC you need something called the QVC QCard. With a QCard there are no hidden fees or interest rates over a certain period of time. Opening an account is very easy and all you need is an email address and personal details. One feature I find useful on QVC is their live chat facility which allows customers to get answers quickly. 
  
QVC is perfect when you need new outfits and you're a little short in funds. The competitive pricing and the ability to spread payments make it a convenient addition when its difficult to make ends meet and you don't want to pay excessively in high interest. 
  
BNPL 8: Seventh Avenue 
  
Moving into a new home can put a dent on your personal finance. If you're moving home and need to kit your home out but are low on funds then Seventh Avenue which specialize in Home Furnishing can come to the rescue. The application and approval process are really easy and and you can return products you don'like regardless of size. The quality of the furniture impressive and is likely to last a very long time. 
  
The payment structure is also very easy to understand. You can purchase $200 worth of goods for $20 per month. You can purchase $400 worth of goods for $25 per month and you can purchase $600 worth of goods for $30. The customer service is very friendly and the returns process if very simple. Having a new home to furnish can be painful on the wallet so Seventh Avenue can help cushion the blow. 
  
BNPL 9: Midnight Velvet 

 This is another buy now pay later site which specializes in clothing, jewels, and other fashion items. This store is unique because it even goes as far as offering free tips, and fashion ideas as well as fashion suggestions to all their member customers. The credit approval process is relatively painless and you get an answer within 24 hours. You can start shopping at Midnight Velvet for as little as $20 per moth. There are no hidden nasty fees with the site being very easy and intuitive to navigate. 

 BNPL 10: PayPal Credit Account 

With the PayPal credit account you get a wide variety of products which include furniture, kitchenware, bedroom furnishing, electronics, jewelry, cosmetics, toys, clothing. There are many stores which are affiliated with PayPal Credit which was formerly known as Bill Me Later. Some of the featured stores include Ashley Stewart, Stride Rite, Vistaprint, ShowMall and Toys R Us. 

The payment facility is very easy to understand. You can make purchases without payment and get charged no interest if you pay in full within 6 months. There are over 500 stores to choose from so you can find exactly what you need. 
  
How to Use Buy Now Pay Later Catalogs to Ease Finances 
  
Being on a low income is hard when you're trying to make ends meet. Even without a emergency purchase life is hard so imagine how difficult life becomes when you need to replace or buy an item you need urgently. The last thing you want to do is to take out a loan or a credit card balance or payday loan with interest rates being very high. When you pay interest you get poor, its as simple as that so your main aim is to avoid interest. Buy Now Pay Later Catalogs offer a better way to shop and improve your credit at the same time. If you have an emergency fund then its better to use the money for emergencies. However if you don't have an emergency fund and need money quickly to buy items for the home BNPL offers a compelling alternative. 
  
With a Buy Now Pay Later option you can buy the item now and pay at a later time as the name suggests. Most catalogs have no hidden fees or annual fees. The monthly payments for these catalogs are typically very low. You can usually spend $200 and pay $20 per month to clear the balance. There is no interest charged for a period of time and you can defer your payments just before the interest charge kicks in . 
  
BNPL is an excellent alternative if you want to avoid paying interest and getting poor. The reason why people experiencing poverty fail to find prosperity is because of interest, it simply makes poor people poorer. 
  
You must be disciplined when you use buy now pay later catalogs. Sometimes the urge to buy unnecessary becomes uncontrollable so it might compound your financial woes. If used properly Buy Now Pay Later Catalogs can be a great to manage your finances and get access to credit with little or no interest even with bad credit because the approval process it very lenient.  

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