Products
There's a range of options available to you when shopping with catalogues and it's important for you to assess all of these before making any form of decision. With a range of products available, Pay Less Catalogues has taken the time to look into the different options available for catalogue shopping below.
Pay Monthly
Pay Monthly
A lot of modern catalogues provide shoppers with the opportunity to pay for items in monthly installments. Providing the product costs above a certain amount, the retailer will usually create plans that allow those willing to spend money to spread the cost of the purchase across a number of months. 6 and 12 month plans are popular, although some retailers will allow you to spread the cost of some products over 5 years. It doesn't take a genius to work out that expensive products spread over 60 months, probably aren't going to be that expensive anymore, especially if you take it by a month to month basis.
Pay Weekly
Pay Weekly
There are lots of catalogues out there which allow you to pay for things on a weekly basis, as opposed to up front or over the course of a few months. Pay weekly catalogue shopping can come in handy for those of you who get paid weekly, or for those of you who like to keep a close eye on money going out. Paying for your items in one go can sometimes be a struggle, but having the option to pay for things weekly (whether that be over 4 weeks or 40 weeks) means you can manage your finances better and purchase the products you love without having to burst the bank, or save money for a long time.
With Credit Accounts
With Credit Accounts
A lot of catalogues offer customers the opportunity to open credit accounts and spread the cost of payment over a number of weeks, months or years using finance. Otherwise know as a personal account, the credit account comes in handy for people who want to build a credit rating, or simply for those of you who want to pay for things with credit. When you open an account the retailer will give you a credit limit which you can use to purchase as many items as you want, up to that amount. Every company is different so the limit will be determined by a system or someone in charge based on your credit history.
With No Credit Checks
With No Credit Checks
There isn't really such thing as no credit check catalogues. There are no catalogues out there that will give you credit without first going through the usual credit checks. There are, however, a range of catalogues out there that are more likely to approve you, even if you have a bad credit history in comparison to some other people. Usually, you will get a small credit limit to start with and then, once you have proven yourself trustworthy to make regular payments, you may be offered a high credit limit with better payment terms further down the line. Catalogues like this make it possible for people with bad credit history to afford things too.
How To Apply
How To Apply
It's extremely easy to apply for credit If you follow these steps. Once you have found a catalogue you like and items you wish to purchase, you will usually need to enter some details. The catalogue will need to verify your identity so it's important that you take great care when doing this. Answer the questions as best as you can and as accurately as possible. This will improve the chances of getting a decision quickly. In most cases, you will get an instant decision about whether or not you have been approved for a credit account and what your limit is. Providing you are over 18 and a UK resident, you can submit an application.
Buy Now Pay Later
Buy Now Pay Later
If you are strapped for cash and you desperately need or want to buy something, buy now pay later catalogues are an excellent solution to your cash flow problems. You can purchase the items you need without having to wait until you can afford them and pay them back gradually over time. This type of catalogue usually comes with low introductory interest rates or deferred interest for the first year after the initial purchase. Buy now pay later catalogues allow people to buy the things they need and pay them back in due course. They are an extremely popular choice and generally cover a wide range of items, from clothing to furniture and electronics too.