Interest Free Credit
Times are hard here in the UK. The credit crunch means that banks are now reluctant to lend money to each other, in case the bank they lend to goes bust and they don't get their money back. It also means that you and me are going to have more difficulty getting credit, and that credit is likely to be more expensive than before. So that's where InterestFreeCredit.Net comes in. This site will scour the online world for deals that offer interest free credit on a range of items, from beds to jewellery, clothing to computers. A word or warning - don't borrow more than you can afford to repay, and make sure that you stick to the terms of any interest free payments - you might find that if you miss an interest free payment, or make a payment that is too small, you will revert to a none interest free credit agreement with a distasteful APR. So read the small print on any deal!
Even in a credit crunch, there are many online stores, shops and catalogues that will offer you 0% interest free credit on your purchases. Here are some of my favourites:
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Littlewoods Home Shopping - Free delivery and free returns, plus 0% interest free credit for up to 52 weeks - and earn rewards on your credit account payments! You can also use the following voucher codes:
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Buy now, pay nothing until February 2011 on all orders over £50. No deposit required. Enter voucher code XV004 when you place your order.
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Very - Very is part of the Littlewoods group (formerly called Littlewoods Direct), and prices at Very tend to be lower that at Littlewoods.com - but the interest free period is shorter. You also have to pay a delivery charge of £5.95. Nevertheless, with Option 3, you can spread payments over three months at no additional cost.
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Freemans Get 20% discount on your first order with voucher code DQJP (which expires 15th February, 2010), free delivery and free returns. At Freemans, with the flex account, you can spread the cost over 12 months on balances of £500 or more (over 5 months on balances under £500) and pay no interest.
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Kays Catalogue - Free delivery, free returns, 0% interest free credit for up to 52 weeks and earn rewards on your credit account payments.
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Great Univeral - Free delivery, free returns, 0% interest free credit for up to 52 weeks and earn rewards on your credit account payments.Buy everything now and pay February 2011, with no deposit required, on all orders over £50. Use voucher code XV004.
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Empire Stores - Free delivery, free returns, 0% interest free credit for up to 52 weeks and earn rewards on your credit account payments.
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Amazon.co.uk - Amazon.co.uk have released a new MasterCard. You will receive 0% interest free credit on all purchases at Amazon.co.uk for 9 months from the date your account is opened. You can also get free super saver delivery on all items ordered from Amazon.co.uk.
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Bennetts currently have a very interesting offer. If you spend over £199 you don't have to pay until one year and one day have passed. The offer isn't completely free as there is a £28 administrative fee, but it is worth a look. Also see the voucher codes below.
Bennett's Voucher Codes
For February (valid 1st-28th February, 2010)
Valid on all items except laptops, sat navs and mp3 players:
7AW0210
- Save £7 when you spend £200 or more.
10AW0210
-Save £10 when you spend £350 or more.
15AW0210
-Save £15 when you spend £450 or more.
A Word of Warning
A word of warning - don't borrow more than you can afford to repay, and make sure that you stick to the terms of any interest free payments - you might find that if you miss an interest free payment, or make a payment that is too small, you will revert to a none interest free credit agreement with a distasteful APR. So read the small print on any deal!