More often than not, the lack of enough disposable income stops us from buying what we truly need or desire at shops, stores and malls. However, immediate affordability is no longer a criterion for buying, thanks to online shopping that has brought in a wave of credit options to suit your requirements. The buy now pay later deal, especially, is becoming increasingly popular in the UK.

What is Buy Now Pay Later?
This scheme essentially provides accepted customers with the option of buying what you want from the retailers and not having to pay a single penny until some amount of time, as offered by individual online retailers, and then either paying the lump-sum amount or spreading the cost over months, or even years. This way, you can buy what you need online today and not worry about not being able to pay immediately. If you wish to pay a minimum amount at the time of buying, you can do so and then spread the cost over a span of time. Credit provided subject to successful status and affordability checks.

Catalogue	Rating	Products	Review	Visit
	8/10	Electricals, Furniture & Appliances	Read Review	Visit Site
	7/10	Fashion, Electricals, Furniture, Gifts	Read Review	Visit Site

Stores that offer BNPL
Many retailers are offering this scheme in order to ensure that their customers make the most of the brands and goods they offer. Littlewoods, the popular online retailer also stocks electronic devices and gadgets, and has credit offers where customers can make use of the ‘pay nothing for up to 3 months’ scheme that is applicable to all products on the website. The website also provides a detailed description of the process for the benefit of the customers, where it provides certain parameters to evaluate the creditability of the buyer.

Argos also offers a similar deal where the customer can pay back what they owe in small monthly installments. The buyer could then spread out the payment over as long a time period as 18 months.

Lookagain, an online dealer predominantly for women, offers a host of services to its personal account holders, including a scheme where the buyers are offered a monthly instalment plan that lasts 12 months, with a minimum amount payable each month.