Representative 0% APR

BNPL is an interest bearing
option, subject to status on the
Littlewoods account. The rate of
interest is based on your
account terms.

Buy Now Pay Later is really flexible - you can pay nothing for a whole year when you spend £50 or more. Pay what you want when you want and as long as the full balance is paid before the end of the payment free period you'll avoid interest. A great option for those unexpected and emergency purchases!

How

Go shopping as usual and when you get to the checkout simply select Buy Now Pay Later and then select
whether you would like 104 or 156 weeks (2/3 years) to Spread the Cost after the payment free period ends.

Just so you know, delivery, installation and other Financial Services products such as insurance cannot be
placed on Buy Now Pay Later, these charges will appear on your next statement. The payment free period will start from the date of order, including pre-orders and items not ready for immediate dispatch. Exclusions will be confirmed at the point of order.

Key features

  • Pay nothing for up to a whole year on all orders of £50 or more
  • Pay in full before your Buy Now Pay Later end date to avoid interest
  • If you're not ready to pay in full when the Buy Now Pay Later period ends, you can Spread the Cost Further
    over 104 or 156 weeks as you originally selected at checkout

    Simple ways to avoid interest and account charges

  • Paying in full and on time before the end of your payment free period will ensure no interest is charged.
    It's important to read your statements as they detail your payment dates and include reminders.
  • Allow plenty of time for your payment to reach us, some payment methods take longer than others.
    Don't forget to allocate your payments too!
  • Paying at your own pace keeps you in control. You can manage your budget by paying off small amounts along the way and settle early too.
  • Remember to allocate your Buy Now Pay Later payments and ensure you also pay your minimum payment if one is due.

No Buy Now Pay Later? No problem!

If you don't have Buy Now Pay Later on your account, and you want to spread the cost further than a year, no problem.

Simply choose from one of these options at checkout:

  • 2 years (104 weeks) on orders of £50 or more
  • 3 years (156 weeks) on orders of £99 or more

Interest will be charged at your account rate for this payment option.

1 month = 28 days. 12 months = 12 calendar months.
Credit provided, subject to credit and account status, by Shop Direct Finance Company Limited. Registered office: Aintree Innovation Centre, Park Lane, Netherton, Bootle, L30 1SL. Registered number: 4660974. Authorised and regulated by the Financial Conduct Authority.
Over 18's only.

Nothing to pay for a whole year when you spend £50 or more

Avoid interest by paying in full within 12 months. BNPL is only available on interest bearing terms.

Credit is provided, subject to credit and account status by Shop Direct Finance Company Limited.

Representative 0% APR

1

You can select it in checkout by clicking the Buy Now Pay Later "Add to order button". At this point you’ll choose to spread the cost over a 12 month payment free period plus a further period of either 104 or 156 weeks. This will be the term you will pay over if you do not pay the full cash price within the payment free period.

Interest will be calculated for the payment free period plus the repayment period. The payment free period will begin at point of order (including for those items which are purchased on pre-order and/or are not ready for immediate dispatch).
Your Interest rate for interest bearing credit terms, will depend on your credit status and confirmed upon successful application and at the point of order.

Avoid interest by paying the cash price in full before the end of the payment free period. Whether you are paying the full cash price, or a part payment, remember to allocate your payment to the specific item you wish to pay off.

Over 18’s only. 12 months=12 calendar months. Credit is provided, subject to status, by Shop Direct Finance Company Limited. Authorised and regulated by the Financial Conduct Authority.