This will attract interest at your account rate, meaning you will pay interest on interest. If you choose not to pay the cash price before the end of the delayed payment period a lump sum of compound interest will be charged to your account.The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).If eligible, the delayed payment period and minimum order values to qualify for Buy Now Pay Later will be detailed in checkout and are subject to offer.The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.BNPL is an interest-bearing option that allows you to delay payments on your purchases for up to 12 months depending on how much you spend.Shop now and delay payment, subject to your credit and account status. If you choose not to make your Take 3 payments, then you'll pay interest on your balance at your account rate.Plus, you pay nothing for at least 20 days.This lets you split the cost of anything over 3 months.Pay in 3 with Take 3 3 payments, 3 months, pay no interest. Just click the 'My Details' tab, and then into 'My APR'. Remember, your interest rate information is in 'My Account'. Pay this way you will be charged interest, and it will take you longer to pay off your balance. The minimum payment is detailed on your statement. This must be at least £5 or 7% of your balance.You always have the flexibility to pay a monthly amount that suits you.Monthly You can choose to pay monthly with flexible monthly payments. Very Pay gives you a choice of ways to payĪnd you can avoid interest on every purchase. If you have a non-BNPL balance, you will still need to make at least your minimum payment as shown on your statement. Yes, allocating payments to BNPL will not cover the minimum payment on your account. The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.ĭo I still have to pay my minimum payment? This will be included within your account minimum payment request every month and cannot be repaid using Take 3. Any outstanding balance plus the interest will now become payable.Īs the outstanding balance, plus the interest now form part of your payable balance they will attract interest at your account rate, meaning you will pay interest on interest. If you have not paid the cash price in full or have only made a partial payment, a lump sum of interest will be charged to your account. If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest. What happens after the delayed payment period? You can allocate your payment to the specific BNPL you wish to pay off. To make a full or partial payment simply log into your account. Remember, if you choose not to pay the cash price before the end of the delayed payment period a lump sum of compound interest will be charged to your account. Making partial payments without clearing the cash price in full will reduce the amount of interest charged at the end of the delayed payment period. You can avoid all of the interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments. This means you will pay interest on interest. The interest will be added to your account as a lump sum at the end of the delayed payment period. Interest is calculated from date of order and compounded daily. If you are eligible for BNPL your offer details will be confirmed in checkout. The delayed payment period and qualifying minimum order value is subject to offer and your account status and may be different to the values shown here. Subject to eligibility, you may choose from:īNPL for 6 months when you spend £ or more.īNPL for 9 months when you spend £ or more.īNPL for 12 months when you spend £ or more. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch). BNPL is an interest-bearing option that allows you to delay payments on your purchases for up to 12 months depending on how much you spend.
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