Buy now pay later
Unless you may have been locked in some sort of basement for the past year, you will definitely have heard all the stories about the disruption in the stock market at the moment. You will probably also have listened to glum stories the economists have been giving. With all these bad stories it makes it appear that simply no one is buying anything. You will also hear stories about the credit crunch and families deep in debt that continue to spend money on their credit cards. More and more people are finding it effortless to find credit. I have reported for a long time individuals that do not deserve credit are being given enormous financing at cheap interest rates. A lot of of these same people are saying that even though they can get credit it is getting harder to pay the bills every month, especially if they have let the the interest grow up over time.

A year ago we made the decision to buy a new computer. The local PC store were operating a buy now pay later special offer. It was a good offer that came with a printer, scanner and LCD monitor. We decided to go for the offer even though it was a reasonable bit more than we were happy to pay. We had 12 months to pay off the debt, interest free of course. We decided that because we could pay the balance due off over a whole year we could afford the upgrades.

We made modest monthly repayments, and then paid off the remaining balance at the end of the year. We were extremely mindful not to lose sight of the deadline and end up paying the interest. It cannot be underestimated how important it is to keep to deadlines specified by the lender.

2 weeks after we paid off the computer, the lawn mower broke down. We have a substantial backyard and therefore had to change the mower right away. We went to our local hardware store. We had not planned for this cost and therefore did not end up with a huge budget to play with. There were 2 choices basically. Buy a less costly model or get a more higher-end one that would ideally last longer. The sales clerk said to us not to feel concerned, he could sort us out. He went and spoke to the supervisor and was lucky enough to get us a buy now pay later offer. We took up the deal, and are at this time paying it back.

The point is do not be too embarrassed to take up an interest free offer. If you are sensible with your money you will pay it off in time and you will incur no interest charges. In this market, this is the best time to get these offers, as stores are desperate for business.

The way this will function is you decide on what you want, and then select the buy now pay later option, you will fill in your information and submit. You will have to be approved before your order is delivered. Once your purchase is actually delivered, you will make your repayments on a regular schedule. Be sure to examine everything before you submit your request, so you will understand what your obligations will be and so you can be sure you can make them


Buy no pay later