This is a sponsored article on behalf of CommuterClub.
It makes sense to travel on an annual season ticket. It's cheaper than a monthly or weekly ticket, and can save you 10%-30% compared to the cost of pay as you go. But what if your wallet can't afford to take that hit in one go?
That's where CommuterClub comes in. By purchasing your annual ticket through CommuterClub, you'll pay for it in 11 monthly instalments, rather than in one lump sum. The 12th month is payment-free, leaving you extra cash in your pocket to spend on whatever you like.
Plus, if you sign up to CommuterClub now, your season ticket will be at 2016 ticket prices. You'll dodge the 1.9% fare rise which is due in January (adding over £40 to a zones 1-5 annual travelcard) and you'll still be paying this year's prices long into 2017.
Don't believe us? CommuterClub customer Mitch from Bookham saves over £300 on an annual travelcard, compared to the cost of buying monthly travelcards. Of signing up, he said:
I got a better deal AND I don't have to worry about getting the station early once a week or a month anymore to buy a ticket. I would highly recommend CommuterClub to anyone.
Holly, who makes a £220 saving on a zones 1-6 travelcard thinks the service is "great value for those who can't afford to purchase an annual ticket straight off."
What if you move house or get yourself a new job? No need to worry — you can cancel at any time without a penalty.
CommuterClub customers also get a free Gold Card, which comes with a whole host of benefits. You'll save 33% on rail fares in London and the south (within the railcard area), and be able to get discounted gym membership, and credit for Just Eat and Uber among others.
CommuterClub works for rail commuters into London as well as Oyster card users. To start saving money now, go to commuterclub.co.uk and find out how much you can reduce your commute costs.
Representative example: Credit limit: £1,200. Interest: £67 Total payable: £1,267 in 11 monthly instalments of £115. Representative 10.6% APR. Interest rate: 5.6% pa (variable).