Clothing: Pay Weekly, Pay Monthly & Bad Credit Options
Shopping online for clothes is an excellent way to explore a great range of items and get the best prices.
If you are shopping for men's, kid's or women's clothes, you should always shop about to find the best price. You will be able to keep several tabs open in your browser to compare each price across different sites.
Bookmarking sites with the best price is handy because they might have a sale on selected lines and offer further reductions. Many sites have a dedicated app to allow you to browse their site directly.
Another way to enjoy further reductions on clothing is by finding a discount code that you will sometimes be able to apply to a site's new arrivals category.
After finding the best deals on clothes, having the option to use credit to pay for them will mean you can spread the cost into more affordable payments.
Many sites offer interest-free credit facilities that allow customers to get the clothes they want and pay them off over a set period.
Can I Pay Weekly for Clothes?
Weekly payments make buying clothes easy and affordable. You will be able to break your payments into more affordable and manageable chunks.
Can I Pay Monthly for Clothes?
Like weekly payments, paying for items from a clothing product shop monthly can help you to spread the cost. These Monthly payments are a good option for anyone that is paid monthly.
Can I Buy Clothes Now and Pay Later?
Buy now pay later lets the customer manage their payments and typically allows a set time for the balance to be cleared.
Are There No Credit Check Options Available?
No credit shopping facilities are available as some online stores finance their credit, so they don't need to test.
What If I Have Bad Credit?
Exploring no-check finance options or getting a low amount of credit can be an excellent way to improve your credit.
Are Rent-To-Own Options Available?
Rent to own is similar to spreading a payment only the ownership of the product will transfer when the full balance has been cleared.
Can I Apply for Finance?
Applying for finance is an option for people over the age of 18 that can prove they can afford repayments and are UK residents.
Stores To Buy Cookers On Credit?
Zilch
Who are they?
Zilch is a buy now pay later credit facility that provides shoppers with a credit facility that can be paid in instalments over a set period with 0% interest.
The Zilch virtual Mastercard allows you to shop anywhere online, making use of your line of credit for any retailer or clothes shop.
What do they sell?
Zilch doesn't sell products themselves. Rather, they provide a lending facility that can be used on online stores to enjoy easy access to the latest clothing styles with the opportunity to spread payments.
What is the APR rate?
Zilch offers APR 18.1% with some 0% interest options when the balance is cleared within an agreed timescale.
How to order
Using Zilch is easy, and you will be able to shop as normal and pay using your Zilch Mastercard. This makes it easier to keep on top of your finances rather than having several store accounts to keep track of.
How to obtain credit
You will be able to apply for a Zilch card and account online, and a soft credit check will take place. This will not affect your credit score and will allow the company to check whether you are a suitable candidate.
What are the payment terms?
Zilch offers several payment options. The shop you buy clothes from will be paid in full, and your balance will be with Zilch. If you pay in full, you will earn 2% cash back as a reward.
You can also pay over six weeks in four instalments to avoid interest or pay your monthly statement to reduce your balance which will be subject to interest.
Studio
Who are they?
Studio is a large UK-based online retailer with over 50 years of experience in providing high-quality products at affordable prices.
Their credit facilities allow customers to purchase a range of products, and they even have their own brand range of clothing that customers will be able to shop for.
What do they sell?
There is an extensive range of categories to explore at Studio, including home furnishings, furniture, bedding, garden products, electronics, appliances, toys, jewellery, and clothing.
The extensive clothing collection is perfect for men, women, and children looking for clothes for any occasion. Brands to explore include Adidas, EA7, Hugo Boss, Jack & Jones, Nike, Regatta, The North Face, Vans, and more.
What is the APR rate?
Representative 39.9% APR variable.
How to order
You will be able to browse the Studio store as you would any online store. When you find the clothes you like, you can then add them to your online bag.
You should apply for the available credit facility or pay in full when you have finished shopping.
How to obtain credit
You will have to opportunity to apply for finance when paying for your order. This gives you the freedom to enjoy credit at the agreed terms, or make use of the Interest Saver Plan that allows a period to pay the balance, typically between 3, 6, or 9 months, without having to pay interest.
What are the payment terms?
If you are accepted for a credit account, you will be offered payment terms when placing an order. This will be over a set period that is agreed upon at the point of purchase.
BooHoo
Who are they?
BooHoo is a ‘latest trend' shop aimed at 16 to 24-year-olds. Launched in 2006, BooHoo offers the latest style of clothing for men and women.
In recent years, BooHoo has worked with several charities, including Pride, Breast Cancer Awareness, and One Love, as well as changing the brand's model to be more environmentally friendly.
What do they sell?
BooHoo has an extensive range of clothing and accessories for men and women, adding as many as 500 new lines per week.
As well as having staples that are perfect all year long, they release seasonal collections for the summer and winter.
What is the APR rate?
Klarna 0% interest payable in three.
Clearpay 0% interest payable in four.
LayBuy 0% interest payable in six.
PayPal 0% interest pay in 3.
How to order
You will be able to shop as normal to find the clothes you want for you and your family. You can then pay in full or select one of the credit options at the checkout.
How to obtain credit
BooHoo works in partnership with PayPal, LayBuy, ClearPay, and Klarna to allow credit payments for orders. At the checkout, you will be able to click on the one you want to make use of.
You will then be transferred to the relevant site, where you will be able to sign in if you already have an account or apply for an account.
What are the payment terms?
Payment terms will vary between the different companies, and all offer an interest-free way of spreading payments. As long as the full balance is cleared and payments are made by the agreed dates, the full balance will be paid off on the terms agreed.
ASOS
Who are they?
Since the year 2000, ASOS has been one of the UK's leading fashion retailers. The name stands for As seen on screen as the original site sold reproductions of clothing from TV and film.
As well as ASOS's own brand, they also boast an extensive range of big-name brands as well as a marketplace that offers the best in vintage clothing.
What do they sell?
ASOS sells an extensive range of clothing and accessories, including footwear, swimwear, t-shirts, shirts, jackets, jeans, loungewear, suits, tracksuits, dresses, hats, gloves, sunglasses, and more.
What is the APR rate?
Klarna 0% interest payable in three.
LayBuy 0% interest payable in six.
PayPal 0% interest pay in 3.
How to order
You will be able to create a free ASOS account and pay in full after browsing the vast range of categories to find the latest clothes to suit your style. Alternatively, you will be able to choose from one of the three external credit facilities to spread your payments.
How to obtain credit
When you get to the checkout, you will be able to click on one of the alternative options. You will be directed to the relevant site, where you will have the opportunity to sign in to an existing account or apply for a new one.
What are the payment terms?
The terms and conditions will differ depending on the option you choose. Each of the available options for spreading the payment of your ASOS order allows you to pay over three or four payments, interest-free.
ZARA
Who are they?
Zara was founded in 1975 by Rosalia Mera and Amancio Ortego and started as a way to offer low-priced, high-quality clothing.
The company now has physical stores in 64 countries around the world and offers online shipping in many more.
They make clothes that appeal to all ages and have an excellent selection for men, women, and children.
What do they sell?
Zara specialises in affordable fashion for women, men, and children and offers a range of clothing and accessories, including dresses, shirts, suits, knitwear, jackets, shoes, hats, and much more.
What is the APR rate?
Klarna 0% interest payable in three.
How to order
Zara offers shoppers an easy way to find high-quality clothing at affordable prices. Simply shop the site and add items to your basket. You will be able to pay as normal or select Klarna to spread your payment.
How to obtain credit
Instead of paying in full at the checkout, you should select Klarna, where you can sign in to an existing account or apply for a new one.
What are the payment terms?
If you are accepted, you will be able to spread your order total across three payments with no additional interest.
River Island
Who are they?
River Island is a UK fashion retailer that can boast over 60 years of history.
As well as having more than 300 UK stores, River Island has several online stores, making it easy for customers to find affordable fashion.
What do they sell?
River Island has an extensive range of clothing and accessories for men, women, boys, and girls.
Shoppers will find any kind of clothing they need including swimwear, suits, footwear, tracksuits, dresses, shirts, jumpers, knitwear, and much more.
What is the APR rate?
Credit is available with Klarna, who offers 0% interest to spread the payment over three.
How to order
River Island has a simple website to navigate, and you will be able to browse for the latest fashions. Simply click on an item you like, select the correct size and add it to your basket.
You will then be able to pay in full at the checkout or select Klarna for the credit facility.
How to obtain credit
When you select to pay by Klarna, you will be transferred to their site, where you can sign in to your existing account or apply for a new one. If you are accepted, you will then be able to process the order.
What are the payment terms
Klarna offers a facility to pay three instalments over 60 days to clear your balance. This is interest-free, and the payments will be spread out as agreed across the terms.
Marks & Spencer
Who are they?
Marks and Spencer are British staples, having started more than 130 years ago.
The company is now known for its high-quality products and exceptional service.
What do they sell?
Marks and Spencer sell a variety of products in-store and online, including food, wine, furniture, homeware, and beauty products.
Their extensive clothing range is suited to all ages with a vast range of women's clothes, men's, and children's clothing.
What is the APR rate?
Marks and Spencer offers an interest-free credit facility.
How to order
To place an order using a Marks and Spencer credit facility, you will shop as normal and select the interest-free credit payment option.
How to obtain credit
You can apply online for a Marks and Spencer credit facility as long as you are between the ages of 18 to 85, have been a UK resident for at least three years, and have a steady income, phone number, and bank account.
What are the payment terms
Repayment terms are either 12 or 24 months, and the credit amount will be between £500 and £10,000.