Choose N Charge Electronics

You have many options when it comes to shopping for choose n charge electronics catalog websites online. These stores allow you buy now and pay later — some with no credit check and are OK with bad credit. This can be helpful when that computer or TV is not working and you need to replace it. You may not be able to afford to pay for it this month or just don’t have a credit card to buy it with. That’s OK. That’s the value of choose and charge stores.

These online website catalogs offer the best name brands. Luther Sales catalogs, for instance, offer HP PC laptops and desktops and even Apple computers, such as the iPads and iPhones. As you can see, these are top brand electronics equipment that are brand new. They can be yours, as well.

Luther Sales catalogs

Luther Sales offers an extensive choose n charge electronics catalog at affordable prices. They allow you to buy the product you need now and pay for it at a later future date. This merchant does not extend credit based on your credit score; you qualify based on your employment.


You will need to have a job to get credit through Luther Sales because they do want to make sure you will make your payments each month. To do that, they are a buy now pay later shopping site that will deduct the money you owe through payroll deduction or salary allotment. This means that you won’t be able to get a check lost in the postal mail and have to worry about missing an on-time payment, which is not a good thing to do.

If you did miss a payment with a buy now pay later electronics store, you will, most likely, get charged a late fee. This is usually not cheap. What’s worse is that they will report you to the credit bureaus. If you had a good credit score, your score may turn bad quick.

But keep in mind that many choose n charge electronics stores offer low minimum monthly payments, which will help you pay the balance down easy. You will want to read the terms and conditions because there will be a small finance charge and/or interest charge on each bill; this pays for the show now pay later program.

Tips for shopping with deferred billing

After you add electronics such as TVs and iPads to your cart, you will want to complete your online shopping with deferred billing at the checkout. During that time, you will be asked personal identifying information that will allow a choose n charge electronics store to do a soft credit check. The check will be done just to verify that you have the means — even if money is tight this month — to make monthly payments in the future. Once you qualify, you will receive the products.

You may want to order only one item at first and then pay it off. This will help you build trust with the merchant. Besides, if you add a lot of electronics to your cart and try to check out, the choose n charge merchant may not approve your order. They may think that you have no intention to pay them back.


Once you build trust with the merchant, they will, more than likely, extend more credit to you. This means that if, at first, you could only afford an iPad, they may extend enough credit to you to where you can purchase a brand new Apple laptop or desktop.

As you can see, choose n charge electronics stores can be a value if you need to buy now and pay monthly installments at a later future date.