LoanBNPL Options

MoneyPluto

Hello All, 

Long time stalker, first time poster. 

I want to purchase a lot of home computing items (e.g. two in one laptop and tablet, printer, printer ink, printer paper, speakers etc) over the next few months and the cost could come around to around £800-£1.2k (depending on models etc). My current laptop is too slow and printer has seen better days. 

I only make such a purchase every few years and not on a regular basis. 

As on benefits, I sadly do not have a credit card. I have also not used Buy Now Pay Later (BNPL) schemes before so finding it hard to get my head around them. 

Argos BNPL - Typical 19.99% Representative APR (but I only think covers one item) 

Currys BNPL - Typical 29.99% Representative APR 

Credit Union - Typical 24.99% Representative APR  



Any opinions, advice, or thoughts? 
MoneyPluto 

[Deleted User]

Save for the items - and see if you can get refurbished models.

You'll struggle to get credit and even if you do, BNPL is hugely expensive if you cannot clear it all in time.

MoneyPluto

[Deleted User] said:

Save for the items - and see if you can get refurbished models.

You'll struggle to get credit and even if you do, BNPL is hugely expensive if you cannot clear it all in time.

    Thanks @[Deleted User] I'll do that.