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:
-
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:
-
Buy now, pay nothing until 2013 on all orders over £50. No deposit required. Enter voucher code 22X6U when you place your order. Offer ends 2nd July, 2012
Get 10% off your first order when you open a credit account - quote voucher code 22U54 at the checkout. New customers only. Excludes sale, audio, gaming and computers. This voucher expires on 31st July, 2012.
-
-
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.
-
247HJ - Buy now and pay nothing for 6 months on all orders of £100 or more. Offer ends 31st May, 2012.
-
247HH - Buy now and pay nothing for 9 months on all orders of £150 or more. Offer ends 31st May, 2012.
-
247HK - Buy now and pay nothing for 12 months on all orders of £250 or more. Offer ends 31st May, 2012.
-
Get 10% off your first order when you open a credit account - quote voucher code 22U54 at the checkout. New customers only. Excludes sale, audio, gaming and computers. This voucher expires on 31st July, 2012.
-
-
Freemans Get 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.
-
KandCo (formerly Kays, Great Universal and Empire Stores) - Free delivery, free returns, 0% interest free credit for up to 52 weeks and earn rewards on your credit account payments. :
-
Buy now, pay nothing until 2013 on all orders over £50. No deposit required. Enter voucher code 22X6U when you place your order.
-
Get 10% off your first order when you open a credit account - quote voucher code 22U54 at the checkout. New customers only. Excludes sale, audio, gaming and computers. This voucher expires on 31st July, 2012.
-
-
IsMe (formerly Marshall Ward) - With Options, you can pay off your balance in full or spread it over a longer period.
-
Buy now, pay nothing until 2013 on all orders over £50. No deposit required. Enter voucher code 22X6U when you place your order.
-
Get 10% off your first order when you open a credit account - quote voucher code 22U54 at the checkout. New customers only. Excludes sale, audio, gaming and computers. This voucher expires on 31st July, 2012.
-
-
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.
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!