The vast majority of electrical stores, including online retailers, offer monthly payments on 1080p TV, so that you can spread the cost over an agreed length of time.

Normally you are able to take up to 60 months to repay the price of your television, which makes the monthly payments lower, but you have to bear in mind that the interest rate will almost certainly be higher. You can often get interest free deals, but only if you pay back the full amount within 12, or occasionally 24, months.

Once you have decided what television you want, you need to do your research! Go to your local electrical store and browse the Internet to find the best deal. Here are just a few of the best online retailers offering good 1080p TV pay monthly plans:

Wal-Mart (www.malmart.com) offers a couple of options for payment plans on their electrical goods. The first is to take out the Wal-Mart Discover or Wal-Mart Credit Card to finance your television purchase. Offers vary; now if you spend over $299 on your television and pay it back over 12 months, no interest is charged.

The second option is the Wal-Mart Bill Me Later plan.  Really quick and simple, you do not need your credit card (although it is subject to credit approval) and you can buy online. When you select your television and go to the checkout, you just select Bill Me Later.  The first 60 days are interest free (on orders over $250) with interest beginning on day 61. Alternatively, you can have an initial payment free period of 6 months and pay no interest if you pay the amount in full within 6 months.

Dell also offer many payment options on their wide selection of HD 1080p TVs through their Dell Preferred Account, for example no interest is due if you pay the full purchase price (minimum $699) within 6 months. See www.dell.com for full terms and conditions.

One Call (www.onecall.com) offer a similar scheme through their One Call card; they have different offers throughout the year – recently offering no interest on Sony TVs if paid within 18 months by monthly payments. You can make payments to your One Call account online making it an easy payment option.

Whatever kind of 1080p TV you want, take your time to look at different financing options to ensure that you are completely satisfied with your purchase.