For some people this may be an excellent way to buy products and merchandise that you need now, but can payoff the bill later. Typically, you will be able to setup weekly or monthly payments without a credit check.
Buy Now Pay Later Catalogs
This is where a saying may be appropriate, such as ‘with open credit, comes responsible discipline to pay back the charges in a timely manner’. If you have poor to bad credit, but are looking for a chance to prove yourself, some of the ‘no down’ product buying catalogs may be a viable option.
Just keep in mind that it is still important to understand the terms of the purchase before you buy the things you want or need.
Also, you will typically be able to shop and purchase merchandise online without a credit card. Essentially, you may have a certain credit line or limit of purchases you can make without a credit check.
What Type of Catalogs Offer Buy Now Pay Later?
This is a listing of some of the more popular and available offerings.
- Montgomery Ward:
- Swiss Colony:
- Fingerhut: Offers more than 30,000 products for the home, family, sports, electronics, apparel, furniture, kitchen, health, beauty and more. Also offers no annual fees and no overlimit fee. See their rules and restrictions.
- SeventhAvenue.com: Their payments start at $20 per month. They offer a broad range of products to order such as outdoor, women’s, furniture, home, electronics, toys, gifts and more.
- Grandpointe catalog: Offers 1,000’s of products for purchase.
- Monroe and Main: Offers clothing, shoes, jewelry, beauty and accessories.
- The Tender Filet: Sells gourmet and specialty meats, seafood and more.
- Home at Five:
Also, do not over look the many different pay later special financing options at retailers.
Different Types of Products You May Be Able to Buy:
You may think that your product options would limited. However, you might be surprised to find out that these catalogs give you access to just about any type of item that you may want or need.
- Baby clothes
- Beauty products
- Health items
- Home Goods
- Home Decor
- Bed and Bath
Sometimes you may start out with a lower credit limit, but with responsible payments, you may be able to increase your credit line and enhance your purchasing power from the store’s product catalog.
It may be a benefit for some buyers when using the various online services.
Shop with Buy Now Pay Later Catalogs
Shopping now and paying later is an appealing way to purchase and order products online.
However, be careful not to fall into the spiral financial trap of not being able to meet your monthly minimum payments, that is prevalent with overcharging or over-buying.
Note: It is important that you understand the terms, exclusions, restrictions, interest rates and potential fees before using the various catalog services you find online.
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