Christmas Payment Schemes To Help You Out This Festive Season

Christmas is mega costly – everyone knows that! However, by using payment schemes to spread the cost of the festive season, you can make your money go much further. What’s not to love?

Loads of different stores offer payment schemes, but I think La Redoute and Toys ‘R’ Us are the best ones around. Using these schemes means you’re not only spreading the cost of Christmas, but you can get your presents in sooner rather than later. You’re definitely not gonna be battling the present shopping rush come December!

La Redoute EASY3

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The La Redoute scheme couldn’t be simpler to use. You spread the cost of your shop over 3 months rather than paying all at once – and as long as your payments are all made on time, you don’t pay interest! La Redoute have a wide range of womens, mens and kids clothing as well as a plus size and homeware range, you can find something for everyone.

Toy R Us Take Time To Pay


Toys R Us logo

The Take Time To Pay scheme allows customers to spread the cost of Christmas over the course of several months. It helps families get organised and avoid crowds by getting shopping done early! Your kids won’t miss out on the toys they want and you won’t have to worry about seeing that dreaded ‘out of stock’ message.

For a small fee of only £5, the plan requires a 20% deposit to reserve desired Christmas presents. No ID or credit check is required and no interest rates are charged. An application form is completed and an agreed date when the next payment is due is set up – simple!

There are different payment schemes to choose from. Customers can pay off their items and pick them up within seven says at a time, without any penalty. If you need to cancel your purchase you’ll receive a full refund, minus a £10 cancellation fee.

Shoppers can make easy payments over 4, 8 or 12 weeks. Payments have to be at least monthly, however can be more frequent if you prefer.



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With Very you’ve got a range of different ways to pay for your items! Split the cost into three easy payments and even delay your payments for up to a year when you spend £150 or more. You’ll also get 20% off your first order when you sign up for a Very Account. Representative 39.9% APR variable.

JD Williams


The JD Williams personal account is a great option if you’re quite the fashionista! You can pay what you like, when you like, as long as you make your minimum payment. There’s no interest if you fancy paying your full amount off in one go, too. As an account holder, you have access to exclusive surprise savings and offers as well!

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