10 Ways Buy Now, Pay Later Programs Benefit You

You could get up to $5,000 or more to shop brand names with buy now, pay later services

We’re just going to say it, we believe LutherSales may be the best kept secret in buy now, pay later industry since 1967.

In a world where buy now, pay later (BNPL) services abound, whether someone decides to use Affirm, AfterPay, MDG, FlexShopper, PayPal, or one of the other many services, the transformative opportunity to acquire the brand-name products normally out of one’s financial reach is truly remarkable. However the limitations many of these services subject the shopper to can be onerous, and sometimes incredibly disappointing. For these reasons and more, we believe that LutherSales, which offers spending limits up to $5,000 or more, with up to 36 months to pay truly stands out. 

1. A Swift and Streamlined Application Process

Many buy now, pay later providers say their applications are fast, but LutherSales boasts an easy 3-minute application, allowing their team to get all the information needed to determine a suitable spending limit for you. So, no matter what you’d like to buy, the process is fast and efficient.   

2. Pay over time could mean up to 36 months

Some programs only offer 3-6 or 12-months’ time to pay, which can be hard to manage, especially if you’re buying big-ticket items like furniture and appliances. LutherSales for example, offers up to 36 months to buy now pay later- which is much longer than most buy now pay later programs, and results in more manageable monthly payments with no hidden fees. 

3. No time to shop? Get the perk of a Personal Shopper

Putting in long hours at work? Some buy now pay later marketplaces operate just the same as typical online shopping experiences. However, at LutherSales, every qualified applicant gets a dedicated personal shopper – no extra charge. No matter what gift-giving occasion, or item you want or need, you can simply tell your personal shopper what you’re looking for and they’ll research the item for you so you can make the purchase.   

4. Buy Now Pay Later helps you budget better

You’re working hard, so allow buy now pay later lend you a hand. Whatever item you’re looking to purchase, payments that are spread out over time can fit into your budget, because they are based on your monthly salary and any notable recurring expenses. At LutherSales, their experienced team helps you get what you need, without getting stressed.  

5. You don’t need to depend on credit

Your credit score doesn’t define your ability to buy now pay later. At LutherSales for example, their team looks at the big picture, and offers you a spending limit based on overall financial health. Positive payments on your purchases report to two bureaus, so building good credit is a possible perk.

6. Interest-free introductory periods

Many BNPL services offer interest-free periods where no interest is charged on the amount owed if it is paid back within a particular period of time. This is often a much more attractive option than traditional credit cards, which can have high interest rates, and big penalty fees for missed payments.

7. Flexible payment options

Many BNPL services will offer flexible payment options, such as weekly, every two weeks, or monthly payments. Some will even work with you when money is tight for a period of time. This allows consumers to spread the cost of their purchases over time, making them more affordable and manageable.

8. Quick product delivery

These financial assistance services allow consumers to enjoy their products immediately without having to pay the full amount upfront. This is particularly useful for expensive items that would usually require saving or waiting until payday, or other services that tend to be more complex and expensive.

9. Special promotions and discounts

Some BNPL services, such as LutherSales, offer promotions or discounts to certain consumers, adding an extra incentive to use their service. For example, federal, state, and municipal employees typically receive additional discounts, even above-and-beyond the discounts that they may find through their HR departments and employee organizations.

10. Let others do the heavy lifting for you. 

Literally. If you’re shopping for large items like furniture sets, TVs etc. It’s hard to coordinate moving big items in preparation for a large delivery. LutherSales offers white-glove delivery offers white-glove delivery service, included at no additional charge for all customers purchasing large items that require extra attention.  

BNPL Central is advertiser-supported: we may earn compensation from the products and offers mentioned in this article. However, any expressed opinions are our own and are not influenced by any compensation offered or taken. Read our full disclosure here.