Share on ThriftyFunThis guide contains the following solutions. Have something to add? Please share your solution!
Fingerhut.com allows visitors to buy now and pay later. They offer great credit options, and say yes when many other credit providers say no. They have great products too from TVs to clothes to furniture.
The base price of their products are higher than the norm and they charge a high interest rate. If you are truly thrifty, save the amount that they say you need to pay each month and you can buy the same item much sooner for fewer "payments" without adding to debt.
Several years ago I used Fingerhut, always made my payments on time, until one payment got lost in the mail. A customer service rep (that could barely speak English) contacted me, was extremely rude, demanded the payment "now". She didn't get it "now". What they got was a final payment/cancel my account because of crummy customer service.
Would not recommend Fingerhut to anyone. And yes, the interest rate is extremely high. Best advice, go to K-Mart or some other store that offers lay-a-way.
I like Fingehut's credit plan. Yes, some of there products are a little higher, but I have never had anything to return. Their products are of great standard. i have a set amount I have deducted from my account each month. This way my Credit line increases quickly and I'm never late. I always pay more than the minimum. It helps when I have months I need to buy extra gifts or weddings and don't have the extra cash. I love Fingerhut!
If more than one person posts a negative feedback on Fingerhut, then BUYER BEWARE because it is all true! I too decided to use Fingerhut for an item and ended up paying more than double of what I could have purchased it for if I had just saved my money and paid cash! Fingerhut is a horrible company who makes mistakes posting payments or somehow claims a payment was "lost" and never received, even if it is a debit purchase you can prove you made, they will dispute it. I WILL NEVER SHOP WITH FINGERHUT AGAIN!!!!!!
It is possible with some website to order products and have them bill you later. This is a guide about bill me later websites.
This is a guide about buy now pay later websites for laptops. If the cost of a new laptop is not within their budget some consumers look for pay later options.
Ask a QuestionHere are the questions asked by community members. Read on to see the answers provided by the ThriftyFun community or ask a new question.
Are there any known sites that allow "bill me later" with no credit check to use for Christmas for the kids ?
By EMoore84 from Indianapolis, IN
Don't get carried away but here are a couple places I am pretty sure that have buy now pay later plans (you can always call them first):
Just ran across a list of places run by the same company and I think all of them have a deferred payment option.
BCO® Bargain Catalog Outlet
See the posts below in the archive for more.
Oh and Figis www.figis.com/ is well known for their buy now pay later plan.
ginnys.com, seventhavenue.com, countrydoor.com They may ask for a small deposit if this is your first order from them.
Only ones I know are LTD Commodities or ABC Commodities. They are the same company except fir the first 3 letters. In LTD you 'set up' a 'business' , using your home address and phone. They send you a catalog or you can shop online. Invoice comes with pkg and they would like payment in 15 days. I don't always make the 15 days but it gets paid. It is getting a little late for Christmas on some items but can try. If you have a questions can email me here.
QVC accepts "bill me later". You can shop via their website, www.qvc.com, or tune in. I prefer the website since you can view the customer ratings.
linensource.com is really good. They sent my stuff soon after I ordered it and didn't want any payment for 3 months.
figis.com is one of the best & most trusted site to buy now and pay later.
I luv, luv, luv Fingerhut, Ginnys, Stoneberry, & Overstock.com
Does anyone know of any companies like Ltd. Commodities and ABC Distributing? Here are suggestions as posted by the ThriftyFun community. These may or may not require a credit card or social security number. If you know of any others or have any other information about these sites, post it below.
Does anyone know of any online shopping stores that do accept shop now pay later, "billmelater" service? I am located in the United States. Thanks.
I am looking for buy now pay later sites other than Fingerhut.
By Carole from OK
I am looking for clothes I can get buy now and pay for months later. Please help me find a business that offers this as an option.
By SOR from Cavan
I haven't heard of any clothing sites like that, but you can apply for credit at most cothing stores and sites, and pay monthly. Even the buy now, pay later merchandis sites, expect monthly payments.
As already mentioned you can apply for credit at most online clothing stores and stores that sell clothing in your area. Please remember that if you plan to make payments you're going to have to pay oodles of extra for interest and shipping costs added to that for online shopping. Perhaps you could consider purchasing at local stores where you can place your purchases on layaway. Most do not charge for that service and even if they do the charge is minimal.
Are you open to trying shopping at Goodwill or Salvation Army type stores like we have here in the United States? I am fairly certain you must have something similar there in Ireland. You would be amazed how just going once every week or so how many great buys you can find by just taking the time to peruse the racks. Among other great buys I've found a hooded Eddie Bauer wind breaker for $5.00, wonderful slacks for just $3.50, etc, etc, etc and all were in like new condition. Oh, and I even found an awesome pair of looked to have never been worn winter shoes and a nice leather strap purse in perfect condition both for a total of $9.00.
Do have suggestions for the best websites for buying now and paying layer?
By Sascha from Ontario, Canada
How can you pay your statement on line?
Looking for online shopping sites to order new kitchen items such as cookware etc. that will let me order then send me bill.
Linda from Fort Worth, TX
I've never seen an online site that does this. Many will accept checks or money orders but they will hold the merchandise until the check clears. Try catlog shopping, some still ship COD(Cash On Delivery).
fingerhut will do that if your credit passes you will have so much to buy and make a monthly payment they have rachael ray stuff among others
QVC OR HSN DOES THIS, I LOVE IT AND BUY OFTEN.
This site offers a lot of items for kitchens, general household decor, furniture, backyards, etc. Everything is reasonably priced. You place an order, they ship your items and you pay for it within 10 days of recieving the shipment.
Do you know of any pay later home and garden sites?
I am looking for online shopping sites that offer installment billing.
Try fingerhut.com But be aware that when you buy things from places like that, you end paying an awful lot more per item, than the amount listed. I'm sure there are more, but I refuse to buy from places like that because of the huge amount of interest that they charge.
Does anybody know of any companies like Popular Club that have name brand merchandise that you can order, receive, and make monthly payments with no credit information given.
Not sure of the products you're looking for but http://www.domestications.com is a good place for home furnishings.
I just ordered and received a name brand pair of tennis shoes on store credit from Masseys. The shoes are new balance and cost $70.00. I also think Fingerhut is still in business. They used to be set up to make monthly payments on stuff.
Go to "Bill Me Later". I purchase things through these companies and make monthly payments. They have a long list of merchants.
Are there any on line stores like FingerHut who allow 17 year olds to apply for credit?
ABC Distributing and LTD Commodities do not let you charge anymore. Does anyone know of other sites that do?
Are there any other companies like Country Door or Grandpointe where you can buy now and pay by the month?
By Karla M.
There is a company called Fingerhut. Go to fingerhut.com I don't buy from those companies because by the time you get done paying for the item, you have paid at least twice as much as the initial cost.
Check out Bill Me Later and see if the stores you are interested in buying from are connected with Bill Me Later. I have used this in the past. I have purchsed some items that I was given three months to pay.
I am requesting sites using 6 month pay off or buy now pay later. Any suggestions?
I need names of online sites or stores where I can buy now and pay later on a wide variety of items. Or select items. Not Fingerhut, similar though. It's too small. I want something with variety like Fingerhut, but a bigger selection.
Can someone tell me some for real sites that do pay later with no credit check? I've looked up the sites they tell you to on here, but no luck. Can someone please help!
I am looking for a buy now pay later site that delivers to Ireland.
I would imagine any of them would, if you are willing to pay enough shipping charges. But when you buy that way you are actually paying more for the item because of the outrageous interest charged.
Does anyone know of any sites that still do buy now pay later without a credit check? My credit is not the greatest. I need to get Christmas presents for my daughter. Thanks. .
I am looking for men's bands that I can buy now and pay for by the month, no credit cards, or down payments. Where can I buy now and pay later?
By Charlotte from De kalb, TX
I am looking for bill me later stores that sell home improvement items and one that sells jewelry. Any suggestions?
How many Choose and Charge accounts can you have at one time?
By dimples from Boston, MA
If what you mean are the 'buy now pay later' places like Fingerhut, Figi's, etc. I would suggest having 'None'! You pay outrageous prices for the items you receive, plus high shipping and finance fees :-o If you have your heart set on still doing it then at least stick with only 'one' because you are risking over purchasing and ruining your credit if you can't pay the bills.
Does anyone know of buy now, pay later sites that cater orders from Philippines?
By Pauline from Cebu, Cebu
I am looking for store or place for medical supplies such as Nicoderm CQ patches and other medical supplies. It needs to be a buy know pay later type store for someone with bad credit and debit.
I have heard of websites that don't require a credit card. I'm hoping to find a similar catalog. Any suggestions welcome.
Does anyone know of a bill me later site here in the Philippines?