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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.

This can be done in one full payment or multiple partial payments.

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.

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.