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Argos Buy Now Pay Later

  • 27-06-2017 9:51pm
    #1
    liam650
    Registered Users, Registered Users 2 Posts: 186 ✭✭


    Just wondering do you need to be employed to get this with Argos or can you get it on Social Welfare? I don't see anything on their website that says you need to be employed but just wondering from anyone's experience ?

    Thanks for the help


Comments

  • #2
    L1011
    Registered Users, Registered Users 2 Posts: 71,186 ✭✭✭✭L1011


    You need to pass a credit check that you are unlikely to pass without full time employment or possibly a pension and no housing costs if the item is very cheap


  • #3
    AngryLips
    Registered Users, Registered Users 2 Posts: 2,790 ✭✭✭AngryLips


    L1011 wrote: »
    You need to pass a credit check that you are unlikely to pass without full time employment or possibly a pension and no housing costs if the item is very cheap

    Credit check is probably only based on what you tell them though.


  • #4
    L1011
    Registered Users, Registered Users 2 Posts: 71,186 ✭✭✭✭L1011


    AngryLips wrote: »
    Credit check is probably only based on what you tell them though.

    Encouraging fraud is not allowed here.


  • #5
    njs030
    Closed Accounts Posts: 4,030 ✭✭✭njs030


    AngryLips wrote: »
    Credit check is probably only based on what you tell them though.

    Your income amount will give it away quite fast as will the lack of payslips and the weekly payment into the bank account from the state or total lack of any payment if it's collected!


  • #6
    Owryan
    Closed Accounts Posts: 4,024 ✭✭✭Owryan


    Was told before by their staff that they dont provide the service to those on social assistance payments. They also look for pay slips.


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  • #7
    nava
    Registered Users, Registered Users 2 Posts: 4,739 ✭✭✭nava


    Owryan wrote: »
    Was told before by their staff that they dont provide the service to those on social assistance payments. They also look for pay slips.

    Not listed in the items you need when you apply for Buy Now pay later.

    But as said before when you complete the form they will probably decline it as you are unemployed.


  • #8
    MFlack2012
    Registered Users, Registered Users 2 Posts: 815 ✭✭✭MFlack2012


    nava wrote: »
    Not listed in the items you need when you apply for Buy Now pay later.

    But as said before when you complete the form they will probably decline it as you are unemployed.

    My Father got a laptop on the scheme and he's on Social Welfare Disability


  • #9
    TheDriver
    Registered Users, Registered Users 2 Posts: 12,687 ✭✭✭✭TheDriver


    Disability would probably be classed as different to unemployed, not in work vs unable to work


  • #10
    MFlack2012
    Registered Users, Registered Users 2 Posts: 815 ✭✭✭MFlack2012


    TheDriver wrote: »
    Disability would probably be classed as different to unemployed, not in work vs unable to work

    Possibly. Still a S.W payment. So I guess it depends on the payment rather than all SW payments etc.


  • #11
    ssmith6287
    Registered Users, Registered Users 2 Posts: 1,341 ✭✭✭ssmith6287


    22.9% APR. Youd be better asking for a credit union loan


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  • #12
    nava
    Registered Users, Registered Users 2 Posts: 4,739 ✭✭✭nava


    ssmith6287 wrote: »
    22.9% APR. Youd be better asking for a credit union loan

    You are only charged extra If you don't pay in full within 6 months, it's handy to use the free finance like with Argos, great if you pay within the agreed time with no interest, once you go over the they change very high interest.


  • #13
    njs030
    Closed Accounts Posts: 4,030 ✭✭✭njs030


    TheDriver wrote: »
    Disability would probably be classed as different to unemployed, not in work vs unable to work

    Disability and carers allowance are treated differently to standard unemployment social welfare benefits, it's possible to get car loans etc from the bank with these whereas with 'unemployed' benefits it's not.

    As you said it's seen as unable to work rather than not working.


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