Littlewoods buy now pay later christmas catalogues - easy credit catalogues

The Littlewoods home shopping catalogue has been around for decades and is one of the market leaders when it comes to buying from a catalogue. It’s relatively easy to be approved for a Littlewoods shopping credit account. Once approved you can take advantage of the many features some of which includes buy now pay later, protection of your purchases, insurance for you, personal loans and even credit cards.

You can request a free catalogue and start shopping immediately online or by phone. One great point to mention about Littlewoods home shopping catalogue is that they offer free delivery and returns, they also give style advice, when you buy an item you can get 12 months interest free credit and once the deferred period is over you can make small payments every week to clear your balance.

What does Littlewoods Home Shopping Catalogue Offer?

This UK catalogue offers everything a family could need apart from groceries! You can get women’s, men’s, child & baby clothes, shoes, sports, home & garden, electrical, gaming & DVD’s, gifts and jewellery as well as beauty and toys. You also get special offers from time to time and countless discounts, vouchers and special promotional offers.

At the time of writing this article you could get 25% off selected toys from the Christmas Wishes range, you could also order furniture and have it delivered just before Christmas. You also have 1000 prices which have been reduced for Christmas 2013 and 2014 New Year. You get deal of the week and 10% off your first credit order. Other offers include celebrity style advice and top tech deals which could save you over £250.

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How Does the Shop Now Pay Later Credit Account Work?

To be eligible for buy now pay 12 months later you need to spend £50 or more, once you’ve finished your shopping you need to checkout and enter promotional codes to be eligible for the offer. If you spend more than £50 you’ll be eligible for 6 months interest free deferred payment and you need to enter the following code 3UJLW. If you spend more than £99 you’ll be eligible for 12 months interest free credit and deferred payments and you need to enter the following promotional code 3UJFJ.

If you want to avoid paying interest then all you need to do is pay the full balance a day before the BNPL offer finishes in 12 or 6 months. You can make a partial payment if you wish and then make weekly payments to spread the cost of your shopping even further. Normally you can pay the balance off within 156 week. If you’re looking for a smarter way to shop then take advantage of the 12 months interest free credit account which will allow you to buy TV’s on deferred payments, laptops on BNPL, Furniture on buy now pay at a later date.

Examples of Shop Now Pay Later Offers and how it Works

Suppose you wanted to purchase an Apple MacBook 13.3 Inch laptop, the cost of the item is £1,249. If you were to buy the item on December 2013 then the first payment that’s due is on December 2014. If you want to avoid paying interest then you need to pay the balance off before the last day of the BNPL period. If you wanted to spread the cost of your shopping after the deferred period of 12 or 6 months you would need to pay £12.51 per week for 156 weeks.

The total amount repayable would be £1952.98 and the APR representative works out to be 36.9%. You can also make interest free payments as soon as you purchase the product. If you pay £24.02 per week for 52 weeks you can clear the balance and pay nothing in interest. Other options include the following.

£12.51 per week - over 156 weeks (36.9% APR) Total £1951.98

£16.37 per week - over 104 weeks (36.9% APR) Total £1702.57

£24.02 per week - over 52 weeks Interest free (0% APR)

£62.45 per week - over 20 weeks Interest free (0% APR)

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What Else Does Littlewoods Home Shopping Catalogue Offer?

You can do much more than shopping with this particular catalogue. Before we get into the other services that are provided here’s a summary of all the great features on the shopping side. The most notable feature is the buy now pay later facility, you also get lower weekly payments, you can spread the cost of your shopping interest free, you get 10% off your first credit order and you can manage your account online.

Other services include shopping insurance, service guarantee, replacement guarantee, furniture insurance, mobile phone insurance as well as merchandise, jewellery and bike insurance. Littlewoods have also branched out on the financial side by offering pet insurance, home insurance, accident cover as well as RAC break down cover.

I Have Bad Credit Can I Apply?

These credit catalogues are designed to get as many shopping members as possible; you can apply even if you have bad credit and get approved albeit with a smaller credit limit. If you have the worst credit ever with bankruptcy and insolvency/IVA or debt management plan then there’s a chance you might be declined. You could try your luck just before Christmas as the lending process relaxes a little and more people with bad credit are approved.



If you’re declined then take the time to check your credit file and rectify anything which is lowering your credit score, even if you can’t sort everything before Christmas 2013 you could have the facility ready for Christmas 2014.

Buy now pay later is a smarter way to shop, you save money with the interest free period and payments and you can spread the cost of your shopping, you also save time by managing your account and purchasing items online.

This is a great way to avoid the stress this Christmas and a great alternative to payday loans and expensive credit cards. I’ve been using these catalogues forever now and they provide an invaluable injection of cash just before Christmas.