Want to shop but need "free" credit?

Feeling the effects of the credit crunch?

No credit or credit card?

Want to buy now but defer payment?

Like to pay no interest on purchases?

Why not "Buy Now and Pay Later" ... Totally Interest FREE

Yes, it is possible to do your online shopping without paying anything up-front at the UK stores listed on here. In addition these stores will charge no interest as long as you make your payment in full before the end date of the free interest term. The actual finance terms and lenghts will differ slightly between those credit shops, so we will give some examples below:

Example 1 (e.g. Choice, Empire Stores) Minimum order value: £100 Free credit term: 1 year Payment: end of term On an order of £1,200 this means: You pay now: £0 You pay before end of 1 year: £1,000 Total interest charged: £0		Example 2 (e.g. Freemans) Minimum order value: £500 Free credit term: 1 year Payment: monthly On an order of £1,200 this means: You pay now: £0 You pay monthly 12 times: £100 Total intrest charged: £0

Please note though that if the payments are not made within the specified free credit terms (either monthly or at the end) interest will be charged on the remaining balance. I.e. the credit will only be free if you make the full payment before the end of the term (as per axample 1) or the miimum monthly payments (as per example 2). A few stores also require a deposit. You can easily compare the free interest credit terms between all stores here (though always make sure you check the finance options section on their websites as well before shopping as they sometimes changes).

Top UK Free Credit Shops

Here're the most popular free credit stores in the UK. You can view all credit stores here or browse them by category on the left.

Store Name	Interest Free Credit Period	Store Link to get Credit
	up to 12 months on selected items up to 6 months for purchases over £199 up to 3 months for purchases over £99 up to 59 days with normal Argos credit card plan on other items	Get Store Credit at Argos
	1 year on any order	Get Store Credit at BE Direct
	up to 36 months	Get Store Credit at Bensons for Beds
	up to 4 years	Get Store Credit at DFS
	12 months for balances over £500 5 months for balances under £500	Get Store Credit at Freemans
	Start from 6 months for orders over £400 up to 36 months for orders over £2,400	Get Store Credit at Furniture Village
	upto 36 months	Get Store Credit at Goldsmiths
	6 months for orders over £250 12 months for purchases over £800	Get Store Credit at Jessops
	up to 52 days	Get Store Credit at La Redoute
	24 months for orders over £1,500 36 months for orders over £2,500	Get Store Credit at Oak Furniture Land
	up to 4 years	Get Store Credit at SCS Sofas
	upto 52 days	Get Store Credit at Vertbaudet
Click Here to Compare All the Full Credit Terms

What can I buy interest free?

The short answer is "about anything you want", as the product range of the stores on here covers most needs. Obviously some items are more popular when it comes to shopping on intrest free credit. These include more expensive items such as furniture, sofas, TVs, laptops, jewellery, washing machines, cameras, dishwashers, fridge freezers, cookers and games consoles (i.e. Sony PS3, Nintendo Wii or X-Box 360). Please note though that some shops have a minimum order value for free credit and 0% intrest to become available, though that's normally not very high (e.g. £50).