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The repayment amount agreed for the repayment period will remain the same, meaning the repayment period may be shorter than originally agreed.If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest.

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If you have made partial payments, but not cleared the full cash price before the end of the delayed payment period, the outstanding balance plus a reduced lump sum of compound interest will become payable. This will now be included in your account minimum payment request each month. If you have not made any payments towards your Buy Now Pay Later, the outstanding balance plus the lump sum of compound interest will be payable across your chosen repayment period. What happens after the delayed payment period? To make a full or partial payment simply log into My Account, choose “Make a payment”, select “Pay Buy Now Pay Later” and allocate your payment to the specific item(s) you wish to pay off. How do I make a Buy Now Pay Later payment? Remember if you choose not to pay the full cash price before the end of the delayed payment period any outstanding balance plus the lump sum of compound interest applied at the date of order will become payable. Making partial payments may result in a portion of the lump sum of compound interest being refunded at the end of the delayed payment period.

This can be done in one full payment or multiple partial payments. You can avoid paying all interest for both periods by paying the cash price before the end of the delayed payment period. Your interest rate is personal to you and will be detailed in checkout. This calculation factors in the planned payments that are requested during the repayment period. Interest is calculated and compounded daily at a typical rate of 44.9% per annum for the delayed payment period and repayment period and is charged to your account at date of order as a lump sum. Interest will be charged for the delayed payment period and the chosen repayment period. A delayed payment period of 12 months and then a repayment period of 156 weeks when you spend £99 or more. You can choose: A delayed payment period of 12 months and then a repayment period of 104 weeks when you spend £50 or more. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch). Authorised and regulated by the Financial Conduct Authority.īuy Now Pay Later is an interest bearing option that allows you to delay payments on your purchases for up to 12 months. Registered office: First Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB. Credit provided, subject to credit and account status, by Shop Direct Finance Company Limited. Payment options are selectable in checkout along with the cost breakdown, just click on the item description.

Interest is charged at your account rate for this payment option.

Pay over 156 weeks (3 years) for orders over £99.

Pay over 104 weeks (2 years) for orders over £50.

Lower monthly payments by taking longer to pay.

Remember, avoid paying all interest by paying the cash price before the end of the delayed payment period.

Interest is calculated and compounded daily at a typical rate of 44.9% per annum for the delayed payment period and repayment period and is charged to your account at date of order as a lump sum.

Delay payment for 12 months when you spend £50 or more.

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Interest free credit is available on all insurance products.

52 weeks interest free credit available on items over £250.

20 weeks interest free credit available on all items.

If after reading the information above, this policy meets your demands and needs, you can select below. Shop Direct Finance Company will receive a commission from the Insurer for arranging and administering your Insurance policy. Please remember to check if your item is already covered by another insurance policy. The full list of benefits and exclusions can be found in the policy Terms and Conditions. Littlewoods Protect - Replace insurance excludes some situations including not following the manufacturer's instructions and wilful neglect.

Would you be lost without this product? If it breaks, we'll aim to replace it within 2 days with no excess to pay.Īdditional information can be found in the Insurance Product Information Document (IPID) Would you need a replacement if this product stopped working? Littlewoods Protect - Replace covers accidental damage from day one and breakdown after the manufacturer's warranty ends. Littlewoods can help protect your purchases when it matters most.