Back to School Supplies – Top Essentials

Oh, the sweet scent of anticipation and fresh stationery – it can only mean one thing: back to school season! Starting your journey through the ivy-clad hallways of your beloved high school or college? Don’t be ‘that’ freshman roaming around with a stack of heavy textbooks and a broken backpack.

Instead, slide into this new semester with a sleek backpack and the latest in tech, which will not only make you look cool but also make your life a lot easier. Worried about high price tags? Fret not! With so many Buy Now, Pay Later services available, you can get all the goodies without burning a hole in your pocket. Let’s get started!

10.9-Inch iPad Air

What if we told you about a notebook on steroids that could double as your phone, camera, laptop, and well…a notebook, of course? That’s the iPad Air for you. It is easily one of the best note-taking tools you will ever come across while being slimmer than a notebook.

From its immersive Liquid Retina display to the remarkable Apple M1 chip under the hood, this iPad delivers an unparalleled experience. You can add an Apple Pencil and a Magic Keyboard to this combo to make it an all-rounder gadget that could cater to all your needs. Get ready to elevate your tech game with Apple’s 10.9-inch iPad Air, 5th Generation, a powerhouse of creativity and functionality.

Peak Design – Everyday Backpack Zip 15L

Looking for an everyday carry that is as sleek as it is practical? Meet the Peak Design Everyday Backpack Zip 15L in stunning Bone color. No more fumbling through disorganized chaos in your bag or fear of sudden showers – this backpack’s got you covered!

Designed with minimalists in mind, it’s a simplified version of the iconic Everyday Backpack, catering to your light photo carry or daily essentials with style and comfort.

Samsung Galaxy Z Flip 4

Step up your tech game with the new Samsung Galaxy Z Flip 4. This cool little gadget folds in half and easily slips into your pocket. And when it’s showtime? BAM! It unfolds to reveal a big screen for all your needs.

Plus, it comes in different colors to match your vibe. Just like a superhero in a tiny package, this phone packs a punch, boasting a large battery, super fast charging, and not to mention, a nifty screen on the outside for quick glances, selfies, and much more!

Sony WF-1000XM4 True Wireless Noise Canceling In-Ear Headphones

Say hello to Sony’s WF-1000XM4 True Wireless Noise Canceling In-Ear Headphones. Want peace and quiet while enjoying your favorite tunes or podcasts? These bad boys got you covered. Plus, they’re water-resistant and come with a battery that can last a whole day. Oh, and did we mention wireless charging? It’s like having your personal sound booth, just way cooler!

Alternatively, if you want in on the ‘Apple Ecosystem,’ you can also go with the Apple AirPods Max. Don’t let the price tag scare you, though. With multiple Buy Now, Pay Later services available these days, you are just a tap away from your dream gadget!

SanDisk – Extreme Portable 2TB External USB-C NVMe SSD

Ever thought of carrying an entire library in your pocket? Meet the SanDisk – Extreme Portable 2TB External USB-C NVMe SSD. This compact device is like a magic suitcase; a tiny on the outside, but it can hold an ocean of data inside.

From housing your coursework, project files, and research materials to storing your favorite movies and music, this device is a powerhouse. And guess what? It’s fast. No, like, REALLY fast.

So, when you’re burning the midnight oil working on that assignment due the next day, this little buddy won’t let you down. Also, it’s durable, so don’t worry about it taking a tumble when you’re rushing to class.

ASUS 17.3″ Laptop – AMD Ryzen 7

Picture this: a powerhouse that lets your creativity run wild without having to worry about lag or overheating. Sounds dreamy, right? That’s exactly what the ASUS 17.3″ laptop delivers.

Wrapped in a cool Quiet Blue shell, this laptop is all about power, performance, and a vibrant display that’s a feast for the eyes. Whether you’re editing videos, running simulations, or gaming, it’s got your back.

But don’t worry about the price tag. With many ‘Buy Now, Pay Later’ services available online, owning this tech wonder is easier than ever. Say goodbye to compromising on your creative power, and say hello to the ASUS Vivobook!

MacBook Air

Contrary to its Windows counterpart, the MacBook Air is much more stylish and a LOT more value for money. This space-gray marvel, crafted from 100% recycled aluminum, not only looks good but also does good!

Whether you’re editing a presentation or binging your favorite show, its Liquid Retina display, combined with a four-speaker sound system with Spatial Audio, provides an immersive experience.

And let’s not forget the M2 Chip, delivering top-notch performance sans a fan for quieter operation.

How BNPL Services Can Help Anyone

Let’s take a closer look at how we view Buy Now Pay Later (BNPL) services. Instead of seeing them as only another financial tool, think of them as reliable shopping partners that offers a bridge to what seem like distant possibilities. Acting as a helper for the wise spender, these services open up a world where people can afford desirable items, like a new smartphone, which might have otherwise been a stretch.

BNPL services cater to the practical spender, providing a workable range payment options (in most cases) that fit comfortably into a variety of budgets. This enables someone to have that iPhone or sofa they’ve had their eyes on. And all without the pressure of a hefty upfront payment. It’s the joy of ownership, combined with the peace of mind that comes from sensible financial planning.

What’s more, these services offer an opportunity for smart consumer decision-making. With an array of plans that can adjust to your unique financial situation, you’re empowered to make what may be the most informed choice possible. Wondering if BNPL is your best bet for that smartphone purchase? Curious about which service to choose? Consider us your guide, pointing you in the right direction. In essence, BNPL services aren’t just one more financial tool; they serve as a passport to a realm of tailored, fuss-free, and enjoyable shopping experiences, with many offering agents to guide the process.

Our Recommendations For Purchasing Via BNPL

LutherSales

With an impressive record in the Buy Now Pay Later service landscape, LutherSales shines brightly, propelled by its user-friendly service and flexible payment arrangements. With over half a century of unwavering consumer dedication and a vast assortment of products under its belt, LutherSales is a magnet for those seeking a reliable BNPL financing avenue.

In a sea of rivals, LutherSales really stands out, likely due to its customer-centric credit approval and an ever-ready, supportive group of agents. We find ourselves genuinely captivated by their exhaustive product line and first-rate services, along with their welcoming approach that graciously brushes off past credit history that we can’t always control. As a result, LutherSales earns our strong endorsement for financing anything they offer, which is quite a bit, strengthened by a commendable BNPL record and a rich past punctuated with amazing client assistance.

Pros

Flexible credit plans offer extended pay off times if necessary
Credit history is not even part of their process
A really fast and simple application
Helpful in-house customer service agents
A vast array of the best brands and high-quality products

Cons

Proof of employment of at least a year is required
Products can sell out fast

Affirm

Affirm offers BNPL financing as a middleman with the merchant themselves making much of the decision. This means that you have an account with Affirm, but a lot of the decision-making is done by the actual merchant. But the longer someone has an active account with Affirm, the better it is for the person, and the more can be borrowed and the lower interest payments can be, even zero in some cases.

While still a BNPL company, there are numerous pros and cons for someone using their service. If a person is very responsible, has a good credit rating, and has been a long-term user, there are some great benefits to using them. But they could also end up being a far more expensive option for many people if they aren’t on top of everything all the time. With Affirm, a large selection of merchants are available to people, but it is not necessarily the right choice for everyone as they have less control over the payment terms.

Pros

Higher credit limits than other services is possible
Interest rates can be far lower than using a credit card
A “soft-pull” credit check doesn’t hurt their credit score

Cons

Interest rates can be as high as 30%
Limited options for payment plans with a 1-year maximum time frame
Credit score is a factor and will affect how much can be financed
The merchant decides your interest rate, not Affirm
They typically require a down payment, unlike many other services

Afterpay

As a sturdy contender in the Buy Now Pay Later field, Afterpay impresses with its wide array of plans, important to those in search of a BNPL solution. Even though Afterpay’s credit requirements are more stringent compared to other players, it eases the purchasing process, which can keep financial stress at arm’s length.

Assuming all payments are made in a timely manner, there shouldn’t be any unexpected interest or extra charges, making Afterpay a pretty good option for purchasing any product within their inventory. With a reputation anchored in reliability and a history of steadfast consumer advocacy, Afterpay remains a solid choice for those exploring buy now, pay later possibilities.

Pros

Most loans are interest free unless a payment is missed
No credit history report check necessary
Instant approval for applicants

Cons

Interest rates as high as 25% may be charged if payments are missed
Limited choice of repayment schedules
Many major stores are don’t allow the use of Afterpay

MDG Finance

MDG Finance has skillfully positioned itself as a trusted service provider by many, offering credit alternatives for its clients for over thirty years. They offer their customers a spending cap of up to $3,000, a varied assortment of goods from good brands, and the luxury of delaying payment through their manageable plans.

An excellent credit score isn’t a required for approval, and they offer low initial payments coupled with flexible payment conditions. However, on-time payments are crucial, as late payments could lead to an increase in a loan’s interest rate. For those committed to sticking with the payment timeline, MDG Finance is certainly a worthy service to take into account.

Pros

Flexible payment plans
Credit limits of up to $3,000
Low payment installments can fit almost any budget
Credit score may improve as on time payments are reported to credit bureaus

Cons

Missed payments will lead to high interest rates

FlexShopper

Flexshopper blazes a trail in the Buy Now Pay Later sphere, with its novel lease-to-own model. Breaking away from the norm of most BNPL providers, Flexshopper offers its customers an opportunity to basically rent products through short-term repayment plans confined to a maximum of 12 months. This faster repayment time-frame may not be appealing to all, yet for some, the idea of quicker plan may be enticing.

Their product offering includes with a broad assortment of items, and getting on-board is a breeze, facilitated by a prompt and straightforward application process. However, a few aspects of the service, such as relatively low credit availability and a required weekly payment schedule to evade extra charges may not be right for everyone. These more stringent terms could potentially give some customers pause, highlighting the importance of making sure their plans are a good fit.

Pros

Affordable weekly payments, which can be as low as $4 for some items
Credit limit of up to $2,500 which is lower than its competitors

Cons

Limited to the FlexShopper website for product choices
The longer the payment plan, the more people will pay due to the interest rates

Our Takeaway

Alright, class dismissed! With your shopping list now bursting with these next-level essentials, you’re all set to conquer your college year. Remember, it’s not just about looking smart but being smart – in your choices, your style, and your investment. So, hop onto that ‘Back to School’ bandwagon with the best in tech to show everyone who’s boss. Because who said academics and style couldn’t go hand-in-hand? Certainly not us!

And if you’re short on cash, Buy Now Pay Later services will always help you maximize your splurging budget in just a dash! So, put that obsolete old laptop into the museum where it belongs and get ready to slay this semester with these tech-forward essentials. Best of luck, you future magna cum laude!

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.