Buy Now Pay Later Shoes – Where Can I Get Free Shoes

I was inspired to write this post on buy now pay later shoes after a reader of the Millionaires Giving Money Blog emailed the following question:

‘I am experiencing hardship and am on a very low income. The banks won’t lend me any money and I want to avoid credit cards and pay day loans because the repayments are high. Is there any way I can borrow money at low costs because my children needs shoes. Are there any free places where I can get shoes for low income families? I need money fast, is there any way you can help?’

Jill – New York

Detailed Response to Question

I get a lot of emails from low income parents who are experiencing hardship and need help with clothes and shoes. If you need money now you do have a lot of options. Most parents make the mistake of buying these items using payday loans and credit cards and then get into trouble when they can’t make the payments. In this short guide I will be offering advice on how to make essential purchases for the family without breaking the bank.

Info: This strategy can also be used during Christmas and Thanksgiving and is commonly referred to as Christmas buy now pay later or Christmas bill me later catalogs.

Option 1 – Buy Now Pay Later Shoes

If you’re experiencing hardship and need new shoes you should consider buy now pay later sites that offer bill me later facilities. Most online catalogs allow customers to buy items on credit and the credit approval process is lenient compared to banks and credit cards that perform a credit check. Some online catalogs even offer instant credit approval for most customers and offer at least 50 to 100 dollars to spend on their account. This is a great strategy especially if you need money today and want to avoid using credit cards and payday loans.

Use Bill Me Later Shoes

Also most of these online catalogs offer bill me later facilities which means that you can defer your payment for a specific timeframe and them pay off the balance in small manageable installments. Some of these online credit accounts which offer instant credit also offer interest free periods. It is not uncommon to find 12 months interest free with nothing to pay for 12 months.

How to Use Buy Now Pay Later

You must be disciplined when you use buy now pay later facilities to fund emergency expenses. You must always complete a financial statement to work out your income and expenses and find out what your disposable income is. Remember this is not a financial assistance scheme and you will have to repay the money. Suppose you earn $1000 dollars and spend $800 you have $200 disposable monthly income. You could use this income to slowly pay off any purchases made using buy now pay later catalogs.

If you’re monthly installment payments exceed your monthly excess income you will get in trouble again so it’s very important to stay within your means and build up your credit. If you can pay off your purchases without missing any payments you can easily build your credit score and improve your credit file.

If you’re experiencing hardship and need new shoes for your family you should follow the process outlined below. This process will ensure that you get the best deal possible at the lowest possible cost. I have used this myself when money was tight and I had nowhere to turn to buy essential items for my household.

Buy Now Pay Later Shoes

1: Make a list of all buy now pay later shoe catalogs available which offer lenient credit. You can find a comprehensive list of BNPL catalogs which offer Bill Me Later. You can use this list to find essential items such as shoes.

2: Look for more buy now pay later catalogs which offer a long deferred period. This means that you do not have to pay anything for a fixed amount of months, it is like have free money for a period of time. Sometimes retailers will allow you to defer your payments for up to 12 months. I remember buying my kitchen appliances and couch on deferred credit for 12 months. This was great because I needed to replace them urgently and I did not have to pay them until the 12 month period was over.

3: Look for buy now pay later credit catalogs which offer interest free periods for your purchases. The way these credit catalogs make money is buy charging you interest on your purchases. The interest rate is usually slightly higher than credit cards but lower than payday loans. Nevertheless sometimes in an attempt to lure customers these credit catalogs offer interest free period and you should take full advantage of this.

4: Once you’ve decided on the credit catalog you can place the order and then make monthly payments to pay off the balance as quickly as possible.

Example of Buy Now Pay Later

Suppose you buy a pair of shoes for $100 and the Buy Now Pay Later credit catalog offers you 12 months interest free credit and nothing to pay for 6 months. This means that you don’t have to worry about the purchase for 6 months while you get your finances sorted and then use the next 6 months to pay off the balance at $17. After the 12 month period you are likely to be charged interest of anything between 20% and 100% so it’s important to pay off the balance before the 12 month period.

Best Option for Buy Now Pay Later Shoes

Overall I think Bill Me Later is the best option. Not only is this service available at hundreds of stores you can also make minimum payments and pay off the balance in 6 months without interest being charged.

Suppose you were to buy your shoe using a credit card or use a payday loan you would probably paying twice the purchase cost in interest which would only put you into more hardship.

Bill Me Later Buy Now Pay Later Shoe Sites

• Auditions Bill Me Later
• Bamason Buy Now Pay Later Shoes
• Bagsbuy.com Bill Me Later
• Champs Sport
• Comfortology
• Diaper Bags.com
• Eastbay
• eBags
• eBay (Offers Bill Me Later)
• Finish Line
• FootSmart
• Guess by Mariano
• JC Penney
• Journeys
• Kenneth Cole
• Luggage Set Select
• Maryland-Square
• OnlineShoes
• Onlyslippers
• Outletbuy
• Overleybuy
• Shoebuy
• Shoemall
• Shoesgotsole
• Walmart
• Zappos 

Buy Now Pay Later Options in the UK

If you live in the UK you can also use Bill Me Later. You also have the option of using other buy now pay later catalogues such as

• Very.co.uk
• Littlewoods.co.uk
• Gratten.co.uk
• Woolworths.co.uk

Other Options to Get New Shoes

Buy now pay later and deferred billing is a great way to get access to new shoes if you’re experiencing hardship. If however you can’t get access to these facilities due to adverse credit you do have other options which I have outlined below. Remember never to give up because there is a way out of every problem and it just requires thinking at higher levels.  

Free Shoes Option 1: Rather than buying new shoes is there a way to repair and restore these shoes. Sometimes the cost of repairing shoes is much lower. You can use these services to repair and restore shoes so that they look new. Once you’ve repaired these shoes you could take better care of them so they last twice as long.

Free Shoes Option 2: Visit shoe shops and explain to the owner of the store that you’re experiencing hardship and if there is anything they can do to help. I have seen many families get assistance or hefty discounts when they ask for help. There is nothing to be ashamed of and you could save money and avoid going into debt.

Free Shoes Option 3: Visit charity shops which have shoes. These charity shops sell second hand shoes at 90% discounts. These shoes have been repaired and restored which means that you could save a lot of money. Do this on all your clothes and shoe purchase and you’ll overcome your financial hardship very quickly.

Free Shoes Option 4: Freecycle.com is a great way to get access to free items such as shoes. Create an account and then request all the items you need. There is a great community feel to this site and people are very willing to help other people.

I Need Free Shoes

To summarise the best way to get a pair of shoes is to use buy now pat later catalogs or the hundreds of retail stores which offer Bill Me Later facilities. Try to avoid credit cards and payday loans and always look for catalog sites which offer instant credit without any credit checks. You should also look for the longest interest free and deferred period possible as you will have a longer time to get over your financial hardship. If you’re credit is adverse don’t worry and try some of the four options outlined above to get a pair of free shoes.

Using Buy Now Pay Later Catalogs to Improve Credit Score

Millionaires Giving Money is a blog which highlights all the financial help that’s available from millionaires, billionaires and philanthropists. This blog also gives practical advice to help readers who want to improve their financial circumstances. One of the best ways to make a positive financial change is by improving your credit score. I receive a lot of emails from my readers asking about ways to improve fledgling credit scores. One way to improve and build credit is by showing financial institutions and credit reference agencies that you are worthy of credit.

Unfortunately most financial institutions are unwilling to lend money to people with bad credit. There are a number of ways around this. One option that many people use to improve their credit is Buy Now Pay Later catalogs. These catalogs offer small amounts of credit and allow the shopper to spread the cost of their shopping. These small credit accounts are great if you want to avoid payday loans. In comparison a payday loan will charge an APR in excess of 1000% whereas Buy Now Pay Later catalogs offer APR under 50%. I have outlined the exact steps you should take if you want to improve your credit score using this method. This process has helped me to improve my score dramatically.

1: Get a Free Credit Report

The first step is to get a free credit report from a credit reference agency. You can get a credit report from Experian, Equifax and Credit Online. These credit reference agencies are approved my USA.Gov which means they are reputable with up to date information. The purpose of getting a credit report is to find out what your score is so you can determine whether the BNPL catalog exercise was a success. Getting a free credit report will also help you to repair the niggling points that are depressing your credit score.

2: Fix All the Mistakes on Your Credit File

Before you try the Buy Now Pay Later catalog experiment you need to fix all the mistakes on your credit file. Make sure all the information is up to date and correct. If there are any anomalies ask the credit institute to fix the mistakes and reflect the actions with the credit reference agency. Disassociate yourselves from other people in your household who have bad credit. Pay off all the small balances and try to consolidate all your debt.

3: Find Buy Now Pay Later Catalog Companies

Now find one Buy Now Pay Later catalog companies. Do not apply to too many BNPL credit accounts as this has a negative effect on your credit score. Instead apply to BNPL accounts which have a high approval rate. BNPL catalog companies such as Fingerhut, Sears and Midnight Velvet all have high approval ratings for people with bad credit. Do not concern yourself with the low credit facility. Your purpose is to build credit.

4: Buy Items That You Need

If you use payday loans to buy items which break down you need to remove this habit. Payday loans charge excessive interest. They might be the perfect financial tool when you’re in a tight spot however these loans will make you poorer and do nothing for your credit score. When you need to buy something turn to your Buy Now Pay Later catalog to find the item. Pay for the item using your credit account. Spread the payments. Pay off all the payments on time without fail to build your credit score.

5: Make Sure You Can Afford the Payment

Another point to consider when you purchase something using BNPL is affordability. If you’re unable to afford the weekly or monthly payments you’re stretching yourself and you pose the risk of further deteriorating your credit score. Only buy items you can afford and do not take on excessive debt. Remember the purpose is to build credit not fuel retail therapy.

6: Pay More than the Minimum Payment

When you make payments you should always pay more than the minimum payment. Suppose you need to pay $50 per month for 6 months interest inclusive. You should aim to pay $55 every month. This will show the credit reference agency that you have urgency to pay off the amount quicker. This action will result in a rise in your credit score.

7: Make Early Payments

Know what your payments will be. You should have a schedule of payment along with due dates. What you need to do is make the payments two weeks in advance. When credit institutes and credit reference agencies notice quick payments reliability ratings increase. Try to put a reminder in your diary or outlook to make the payment. You could automate the whole process by setting up automatic payments from your bank account to pay 2 weeks in advance where the payment is more than the minimum required payment.

8: Call Your BNPL Credit Account

Once you’ve got a track record of prompt payment and reliability you should call your Buy Now Pay Later catalog company. Ask for a reduction in APR and an increase in credit limit. When credit reference agencies notice lower APR on the account along with higher limits your creditworthiness increases. This also increases your credit score.

9: Keep a Credit in the Account

Try to keep a credit on your account. I keep a $5 credit on my account just in case I want to buy something. Keeping a credit also shows the BNPL catalog company that you are committed to keeping the account active. This information is passed onto the credit reference agency which reflects the action by giving you a higher credit score.

10: Apply for More Credit Accounts

Once you’ve established a robust credit history with one of the Buy Now Pay Later Credit Company you can start applying for more BNPL credit catalogs. Do not apply for more than one at a time and have no more than 3 accounts. Use the other accounts in the same manner. Always consider affordability when you make a purchase.

Once you’ve established 3 accounts with robust credit history you should recheck your credit again. You should notice a significant rise in your credit score. Once you notice the rise you should apply for credit cards which have special offers and lower APR compared to BNPL catalogs. For every credit card you open you should close a BNPL account because you no longer need it. Remember having too many credit accounts can have a detrimental effect on your credit score. 

Use Buy Now Pay Later Catalogs If You Need Money Now 2015

Buy Now Pay Later Catalogs if You Need Now 

This site is devoted to finding free money, saving you money and making you money and I'm always looking for new ideas. One idea that I stumbled upon was using buy now pay later instant credit approval catalogs to buy items that you need in times of emergency. These easy credit catalogs offer offer all the household items you could possibly need and the credit APR representative is almost always cheaper than expensive bad credit credit cards or payday loans.

Some credit catalog accounts offer 12 months interest free credit where you can defer your payments up to 12 months and then spread them even further by making minimum payments after 12 months. With Christmas coming this is a worthy alternative and smarter way to shop compared to pulling the credit card out or applying for some expensive Faxless payday loans.

Also, if you're looking for innovative ways to make money quickly try some of the ideas on the posts below. All the ideas mentioned are legal and legitimate and you could make a lot of money using the strategies and ideas. I have used some of the strategies mentioned below and made some serious money to get me out of the poverty hole.

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Best Buy Now Pay Later Catalogs

1: Sears Buy Now Pay Later

Sears is a very popular online catalog which offers a layaway service to its customers. First off you'll find all the electronics, appliances, bedding, lawn & garden, jewellery, clothing, outdoor living, home and toy products that you would need. Sears offer a wide extensive range of products and service. You can shop online for virtually anything. 

Once you've finished shopping you can checkout. If you choose the layaway program you need to pay a deposit which is either 20% of $20 which ever is larger. You can then pick up the items in store or have them delivered and make payments every two weeks. The example below shows the payment schedule for a typical Sears layaway plan.

2. FingerHut Buy Now Pay Later

FingerHut.com is another prominent online catalog store where you could save you money. FingerHut.com offers bed, bath, kitchen, furniture, home, sports, electronics, toys, baby, health & beauty, Apparel and jewelry. Fingerhut.com prides itself on offering brands you trust at affordable monthly payments. 

The Fingerhut.com Fresh Start credit account could help you build your credit. You can apply for the Fresh Start Credit Account by spending over $50. You then make a 1 time $30 down payment and the order is shipped to you as soon as the payment clears.

You can pay off the balance by making 6 or 8 monthly payments to pay off the balance of your order. Once the balance is paid of you'll be upgraded to a revolving WebBank Fingerhut Credit Account where you will enjoy larger credit lines and lower monthly payments. 

If you're experiencing hardship and want to avoid payday loans which charge high interest rates this is a great way to purchase the items you need and improve your credit score at the same time.  

Use Buy Now Pay Later Catalogs to Save Money 

 The first thing that you need to do is to find a catalog which offers most household items and an extensive range of products. There are so many to choose from and I've included some ideas below that you could consider when choosing the credit account. Most of these catalogs offer accounts to people with bad credit so it's worth finding the ones with the best offers in terms of discounts and payment flexibility. 

What to Look for In Credit Accounts

You should try to find a catalog with the lowest possible APR representative. You should also find an account which offers 12 months interest free buy now pay later facility. If you're lucky you should be able to find easy credit catalog accounts which offer introductory discounts and allow the cost of your shopping to be spread after the interest free period where you only make the minimum payments.

Using Buy Now Pay Later For Christmas 2015 

 With Christmas coming just around the corner you need to take a detailed look at your finances. If you've saved enough money then you should reward yourself by having a credit free Christmas. If you're strapped for cash and need an injection then buy now pay later credit catalog accounts are the ticket.

Example of How Buy Now Pay Later Can Help

Suppose you spend $500 this Christmas on gifts, an expensive credit card could cost you between 40 and 50% APR representative. A short term pay day loan will cost you between 500 and 4000% APR representative. 

Alternative with a buy now pay later credit account you can do all your shopping today and have the items delivered for free to your home address. You can have the items before Christmas and then pay nothing until December 2014 after which you can spread the cost even further. If you've spent $500 for Christmas you need to save $42 per month to pay it off in 12 months.

What you could do is save $84 every month so at the end of 12 months you will have approximately $1000, you could use half of it to pay for Christmas 2013 and the other half to pay for Christmas 2014 and avoid getting into debt at all. 

If you need urgent financial assistance you should look for financial help from the Government. Mortgage assistance program, financial assistance for pensioners, military financial assistance and debt consolidation advice are some of the services USA.Gov provides.

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- Learn how to use BNPL Catalogs 

- Get Items Interest Free Rather Than Using Payday Loans

- Minimize Your Interest Payments

Buy Now Pay Later For Low Income Families

This post is part of a series of post dedicated to finding the best buy now pay later catalog sites for people experiencing hardship. Many families on low-income email asking me what the best option is when their appliances breakdown, many families do not want to take out expensive payday loans or credit card debt. My recommendation is that they start an emergency fund and use buy now pay later catalogs with 12 months interest-free credit and 12 months deferred payment option.

The idea is to use the buy now pay later instant credit approval catalog to purchase the item without paying interest. These catalog sites are very relaxed when it comes to approving customers with credit. You start off with a small credit line which you can build over time. If you can use BNPL catalogs to replace your appliances then you won’t have to pay interest and you’ll get 12 months to save up so you can pay the balance off in full.

Montgomery Ward

One of the best catalog sites for people experiencing hardship is Montgomery Ward. You can use the catalog to replace furniture, electronics, and much more. I would recommend you use this facility with caution and avoid getting into unnecessary debt. The purpose of this catalog is to help you avoid interest, not get into even more debt. You need to pay off everything you spend in 12 months and you should use the credit facility for emergencies only.

Buy Now Pay Later at Montgomery Ward

Montgomery Ward credit account offers payments as low as $20 a month, you can use the account to build credit. There are no hidden fees and the application process is fast and relaxed.

The process is relatively simple. You shop for what you need, you then checkout and choose open and pay with Montgomery Ward credit account. You then fill out the simple form and then submit the order and credit application. Credit applications are usually approved within 24 hours.

Here is the payment chart from the Montgomery Ward Catalog site.

PAYMENTS: Each month you must pay at least the full Minimum Payment Due (Minimum Monthly Payment plus any past due amount) on or before the due date shown on your monthly statement. Your Minimum Monthly Payment is determined based on the highest new balance ("HNB") of your Account, in accordance with the table below or, if the HNB exceeds $2,400, then 3.34% of the HNB. The HNB is the highest principal balance of your Account since it was last paid in full. This means that the Minimum Monthly Payment will not decrease unless your Account is paid in full, but we reserve the right to recalculate the HNB based on returned merchandise or Account adjustments. We can apply your payments to fees and charges or amounts financed in our sole discretion, subject to applicable law. Payments in excess of the minimum will not reduce future Minimum Monthly Payments.

Minimum Monthly Payment	Highest New Balance
$20	$200
$25	$400
$30	$600
$35	$1,000
$40	$1,200
$45	$1,350
$50	$1,500
$55	$1,650
$60	$1,800
$65	$1,950
$70	$2,100
$75	$2,250
$80	$2,400

Source: Montgomery Ward Credit Account

The Montgomery Ward Credit account is considered to be better than a Layaway account because there is no extra fee to open your account. All the items in the catalog are eligible for credit. There are no minimum orders and you can make easy payments online from the comfort of your own home. The items are delivered to your door and you could pay as little as £20 per month.

Buy now pay later catalogs are very convenient if you need to replace an item but don’t have money right away. The credit account offers flexibility and the interest paid is much more competitive compared to payday loans or expensive credit cards. Make sure you spend money on what you need and always set money aside in an emergency fund to avoid taking out further credit.

As always if you've found this information useful then please share with others. It's always nice to hear from readers so if you've tried this method feel free to leave a comment below.