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Want to shop but need "free" credit?
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- 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?
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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 |
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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 |
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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.
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).
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