There are different ways you can borrow money to buy or lease things you need.
Many people look for fast or flexible ways to cover costs, from buy now pay later to pay advances, interest‑free deals or consumer leases. Each option works differently and might cost more than you expect. The pages below give you an overview of each option so you can understand the how they work before you commit.
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Buy now pay later services: Buy now pay later (BNPL) services let you split purchases into instalments. You don't pay interest, but fees can make your purchase more expensive than you planned.
Pay advance services: Sometimes known as pay-on-demand or wage advance services, this lets you borrow money before your next payday, with the repayment automatically deducted from your next pay. You're generally charged a fee to use the service, rather than interest.
Interest-free deals: With an interest-free deal you buy something and pay it off over time - usually through a store-linked credit card or store card. The card has an interest-free period - but fees can add up quickly. After the interest-free period ends, you're charged interest on any amount not fully paid off.
Consumer leases: Consumer leases let you rent household items — like fridges or TVs — for a set period. You don’t own the item, even after making all the payments, and the total cost is usually much higher than buying outright.
Rent v buy calculator: Our calculator helps you work out if it's better to rent, buy or borrow electrical goods or furniture.
If you're in crisis or struggling to make ends meet, see urgent help with money. There are services to help you with food, bills, housing and emotional support.