The world of consumerism can be an intimidating place. Navigating the different payment options available and finding something that fits your budget can feel like a daunting task, but it doesn’t have to be.
Buy now pay later catalogues offer customers a variety of payment options to choose from when shopping for products they need or want.
This guide will help explain what buy now pay later is and how to find one that works for you. It will also discuss the benefits and considerations when using these catalogues as well as the different payment options available.
List of Current Buy Now Pay Later Catalogues
| Catalogue | Credit Interest Rate | Credit Limit | Late Payment Penalty | Delivery Cost | Delivery Time | Return Policy | Reviews Rating |
|---|---|---|---|---|---|---|---|
| Argos Catalogue | 34.9% APR Variable | Standard: Normal credit, 3 months credit, 6 months credit. Up to 12 months to pay on selected products. | £12 | £3.95 – £5.95 | Fast track: Same day Named day delivery Next day | 30 days | Trustpilot: 4.1/5 Reviews: 206,838 – Great |
| Bon Prix Catalogue | 39.9% APR Variable | Pay over time / Buy now pay later | £12 | Standard Delivery £4.49 Next Day Delivery £5.99 Larger or Electrical Item Delivery £10, £25, £40 or £60 | 1-5 working days | 14 days of receipt | Trustpilot: 2.1/5 Reviews: 115 – Poor |
| Crazy Clearance Review | 39.96% APR Variable | Buy now pay later | £12 | £? | 2 – 5 working days | 28 days | Trustpilot: 4.0/5 Reviews: Great |
| Curvissa Catalogue | 39.9% APR Variable | Pay over time / Buy now pay later | £12 | Standard Delivery £4.49 Next Day Delivery £5.99 Larger or Electrical Item Delivery £10, £25, £40 or £60 | 1-5 working days | 14 days of receipt | Trustpilot: 4.2/5 Reviews: 6,442 – Great |
| House of Bath | 39.9% APR Variable | Pay over time / Buy now pay later | £12 | £3.99 – £5.99 Unlimited £10.99 | 1-5 working days | 28 days | Trustpilot: 1.7/5 Reviews: 148 – Bad |
| Jacamo | 24.9% APR | Order now pay later | £12 | £3.99 – £5.99 Unlimited £10.99 | 1-5 working days | 28 days | Trustpilot: 4.2/5 Reviews: 5,031 – Great |
| JD Williams Catalogue | 39.9% APR Variable | Pay over time / Buy now pay later | £12 | Standard Delivery £3.99 Next Day Delivery £5.99 Larger or Electrical Item Delivery incur extra charges | 1-5 working days | 28 days of receipt | Trustpilot: 4.4/5 Reviews: 12,443 – Excellent |
| FashionWorld.co.uk | 39.9% APR Variable | Pay over time / Buy now pay later | £12 | Standard Delivery £3.99 Next Day Delivery £5.99 Larger or Electrical Item Delivery incur extra charges | 1-5 working days | 28 days | Trustpilot: 4.2/5 Reviews: 2,076 – Great |
| Look Again Catalogue | 39.9% APR Variable | Pay over time / Buy now pay later | £12 | Standard Delivery £4.49 Next Day Delivery £5.99 Larger or Electrical Item Delivery £10, £25, £40 or £60 | 1-5 working days | 14 days | Trustpilot: 4.2/5 Reviews: 4,063 – Great |
| Marisota Shopping Catalogue | 39.9% APR Variable | Pay over time / Buy now pay later | £12 | Standard Delivery £4.49 Next Day Delivery £5.99 Larger or Electrical Item Delivery £10, £25, £40 or £60 | 1-5 working days | 28 days | Trustpilot: 1.9/5 Reviews: 225 – Poor |
| La Redoute Review | 19.9% APR variable, Interest rate 18.3% variable. | 0% interest if paid in 3 months (otherwise APR applies) | £12 | £3.99 – £9.99 | 1-10 days | 21 days | Trustpilot: 4.2/5 Reviews: 14,951 – Great |
| Littlewoods Review | 39.9% APR Variable | Pay over time / Buy now pay later | £12 | £3.99 – £9.99 | 1-5 working days | 28 days | Trustpilot: 4.3/5 Reviews: 23,032 – Excellent |
| Premier Man Catalogue | 39.9% APR Variable | Pay over time / Buy now pay later | £12 | Standard Delivery £3.99 Next Day Delivery £5.99 Larger or Electrical Item Delivery incur extra charges | 1-5 working days | 28 days | Trustpilot: 1.4/5 Reviews: 169 – Bad |
| Simply Be | 39.9% APR Variable | Pay over time / no interest | £12 | Standard Delivery £3.99 Next Day Delivery £5.99 | 1-5 working days | 28 days | Trustpilot: 4.4/5 Reviews: 5,705 – Excellent |
| Freemans Catalogue Review | 39.9% APR Variable | Pay over time / Buy now pay later | £12 | Standard Delivery FREE Next Day Delivery £5.99 Larger or Electrical Item Delivery £10, £25, £40 or £60 | 1-5 working days | 14 days | Trustpilot: 4.1/5 Reviews: 17,587 – Great |
| Next Catalogue Review | 24.9% APR or 29.9% APR | Shop now pay later: 24.9% APR 3 Step: 29.9% APR | Next Day: £4.95 Furniture: £15 Next unlimited: £22.50/year | 1-5 working days | £7.50 | Trustpilot: 4.0/5 Reviews: 88,023 -Great | |
| Grattan Catalogue | – | – | – | – | – | – | Trustpilot: 4.2/5 Reviews: 2,060 – Great |
| Very review | 42.9% APR variable | Pay in 3 / Buy now pay later / Pay Monthly | £12 | £3.99 – £4.99 | 1-5 days | 28 days | Trustpilot: 4.0/5 Reviews: 111,748 – Great |
| Vertbaudet review | 35.9% APR | Pay in 30 days or pay in 3 instalments | £12 | Free over £49 £3.99 over £49 | Within 7 working days | 30 days | Trustpilot: 2.0/5 Reviews: 2,372 – Poor |
| Yes Catalogue Review | – | – | – | – | – | – | Trustpilot: 4.6/5 Reviews: 9,926 – Excellent |
| Brighthouse Catalogue | – | – | – | – | – | – | Trustpilot: 2.9/5 Reviews: 2,871 – Average |
| K and Co Catalogue | – | – | – | – | – | – | – |
| Catalogues 247 | – | – | – | – | – | – | – |
| Kays Catalogue | – | – | – | – | – | – | – |
What are Buy Now Pay Later Catalogues?
Buy now pay later catalogues are a type of credit arrangement with a retailer. You can buy from their catalogue and delay making a payment until later on.
When you choose the buy now pay later option, you agree to pay for the item in instalments over a set period of time, which could range from a few months to a few years. The payments are usually interest-free if paid in full within the promotion period. But if the balance isn’t paid off by the end of that period, interest is likely to be charged.
Credit limits with buy now pay later catalogues
Credit limits are set by each catalogue company according to the customer’s credit history and ability to pay, meaning that customers can budget their spending accordingly. Payment terms vary between catalogues but typically require full payment within twelve months or smaller repayments over several years.
Customers should monitor their spending closely, so they do not exceed their credit limit and become overwhelmed by debt repayments. It is important for individuals who choose to use these services to ensure they understand all aspects before making purchases and adhere strictly to budgeting guidelines to avoid potential financial hardship.
Benefits of Buy Now Pay Later Catalogues
Taking advantage of a buy now pay later catalogue allows consumers to enjoy the benefits of ownership without immediate payment.
Customers are not always required to provide proof of income or undergo extensive credit checks; they simply need to have sufficient funds in their account when making payments. These catalogues typically offer competitive pricing on items such as electronics, clothing, appliances and more.
Shopping catalogues provide customers with convenient access to products at an affordable price while avoiding potential financial pitfalls associated with traditional financing methods.
Payment Options Available With Catalogues
The payment options available through catalogues offer customers the flexibility to spread out payments over an extended period of time, allowing them to manage their cash flow without incurring late fees or interest charges.
These payment options are typically provided by third-party companies such as Afterpay or Klarna, which require users to register with them before using the service.
Once registered, customers will be able to view all available payment plans for each item they wish to purchase and choose one that fits within their budget. Customers must also agree to make regular payments until the item has been fully paid off to avoid being charged late fees or interest charges.
Catalogues offer a convenient way for consumers who require access to goods but may not have enough money upfront or access to traditional forms of credit such as credit cards.
Considerations when Using Buy Now Pay Later Catalogues
When using online catalogues, it is essential to keep in mind that an estimated two-thirds of Brits surveyed reported having difficulty making ends meet at the end of the month. Therefore, it is essential for customers to consider a few factors before taking advantage of this type of shopping option.
- Customers should be aware that their credit rating could be affected by their use of catalogues. It is essential to check credit scores regularly so that any potential changes can be addressed.
- Customers should also consider budgeting tips to ensure they are not overspending with this type of purchase plan.
- Shoppers should take into account any fees associated with catalogues before committing to a purchase to avoid unexpected costs down the road.
It is prudent for consumers to research all details regarding buy now pay later options prior to making a purchase decision. This ensures that consumers understand all terms and conditions related to their purchases and can make informed decisions about what works best for them financially.
Finding the Right Buy Now Pay Later Catalogue for You
Research the catalogue and understand their specific terms and conditions, including payment plans, fees, interest rates, repayment periods, and credit limits. Check your credit history before applying for a catalogue to see if you will be approved.
Compare different catalogues to find the best fit for your needs. Make sure you understand fully what you are getting into. This can help prevent any misunderstandings from occurring which may result in missed payments or other consequences such as having your account suspended until the balance has been settled.
Using Buy Now Pay Later catalogues can be a great way to purchase items without having to pay the full price upfront. It is important to take into consideration what payment options are available, and research which catalogue best fits your needs.
A well thought out decision will help ensure that you can get the most out of this service while avoiding any potential pitfalls. Like many life decisions, taking the time to make an informed choice can lead to a better outcome in the long run.
