If you don’t want to pay for an item upfront, UK catalogue companies could provide you with a wide range of benefits. In fact, catalogue retailers have simplified the shopping process with flexible delivery options and special promotions throughout the year.
If you want to spread the cost of your order but don’t know where to start, you’ve come to the right place. Here are some of the different ways you can pay for products when you open a brand-new catalogue credit account.
1. Buy Now, Pay Later
Buy now, pay later is one of the most popular finance options for consumers who want to spread the cost of their order. This payment method lets you take your order home that very same day and make payment at a later date. There are various catalogue companies that offer this service, but there are a few things you’ll want to look out for before you open a new account. First, always check the terms and conditions and payment options when you apply for buy now, pay later. That’s because many retailers will charge you interest on your items, which will fluctuate depending on the company. Using a price comparison website can help you here, which will allow you to compare and contrast different catalogue brands and rates of interest in one place.
2. Pay Weekly
Pay weekly catalogues let you spread the cost of your purchase and pay for your items every seven days. There are a number of ways you can do this. First, you can log into your personal credit account on a catalogue company’s website and make payment or speak to a customer service rep over the phone. Other retailers will send you a letter with details on how you can make your weekly repayments. Like buy now, pay later, pay weekly might provide you with a flexible way to control your budget and finances. However, many companies charge interest for this service, so you’ll need to do your research.
3. Pay Monthly
Pay monthly is similar to pay weekly. However, you will make repayments every month instead of every seven days. There are a number of different catalogue companies that let you pay monthly and have items delivered to your door. You could even save cash when you use a promotional code. Usually, you will receive a monthly statement at your home address when you place an order, with details of your credit limit and the minimum amount you will need to pay that month.