Delay payment for a whole year when you spend £50 or more

Avoid interest by paying in full within 12 months.

Buy Now Pay Later typical interest rate is 44.9% per annum. Subject to status.

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Buy Now Pay Later (BNPL) allows you to delay payment for 12 months. The payment free period starts when you place your order (including items which are purchased on pre-order and/or are not ready for immediate dispatch).

Select BNPL at checkout and the repayment period of either 104 or 156 weeks. This is the repayment period you will pay over, once the payment free period (12 months) has ended.

The interest rate typically used to calculate BNPL interest is 44.9% per annum. Your interest rate will be detailed in checkout. The interest is calculated on the payment free period and the repayment period. You can avoid interest by paying the cash price in full within the payment free period.

Delivery charges and other Financial Services products are not available on Buy Now Pay Later and will appear on your next statement.

Please note, if you have non BNPL purchases on your account you will still need to make at least your minimum payment as detailed on your statement.

Credit provided, subject to credit and account status, by Shop Direct Finance Company Ltd, Aintree Innovation Centre, Park Lane, Netherton, Bootle, L30 1SL. Registered number: 4660974. Authorised and regulated by the Financial Conduct Authority. Over 18s only.
**Non-comercial vehicles only. Excludes certain vehicle types.

Terms and conditions apply. *25% discount applies to first year membership only. A 15% discount from the standard RAC prices applies at every subsequent renew. Discounts and prices are based on standard RAC prices at the time of application with payment on a continual annual basis. Price may vary if payment is by other methods. Prices can be subject to change. Offer applies to all levels of personal based cover. Offer cannot be used in conjunction with any other offer. RAC reserve the right to withdraw the offer at any time.

†Source: Mintel UK Recover Services January 2011. Based on service providers using their own dedicated patrol force.
For RAC applications via the internet Shop Direct Finance Company Limited acts as an introducer to RAC Motoring Services and/or RAC Insurance Limited and as an intermediary to arrange applications via the telephone. Underwritten by RAC Motoring Services (Registered No 1424399) and RAC Insurance Limited (Registered No 2355834). Registered Offices: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Motoring Services is authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activities only.

RAC Financial Services Limited is authorised and regulated by the Financial Conduct Authority.

RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority..
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