1. Spend £100 or more on Clothing & Footwear (excludes accessories) in one order on Buy Now Pay Later. Each order must meet the £100 minimum order value. Non-eligible items will not count towards the minimum order value or your credit back.
2. By entering Q4RFU in the promo code box at checkout your order will be put on Buy Now Pay Later automatically. We’ll then credit 30% of the eligible order value back to your account by 16th July 2020 or the dispatch date, whichever is later. We\'ll email you when we have applied the credit to your account.
Order must be placed online. If you return any eligible items that makes your order drop below £100, the credit will be reversed. This can’t be used in conjunction with other offers (entering any other promo code apart from Q4RFU in checkout will exclude you from this promotion). Offer live 22nd – 28th May 2020.
What is Buy Now Pay Later?
Buy Now Pay Later is an interest-bearing option that allows you to delay payments on your purchases for up to 12
months. The delayed payment period starts from the date of order (including pre-ordered items and those not
ready for immediate dispatch). Buy Now Pay later is subject to eligibility.
You can choose:
A delayed payment period of 12 months and then a repayment period of 104 weeks when you spend £50 or more.
A delayed payment period of 12 months and then a repayment period of 156 weeks when you spend £99 or
more.
How interest is calculated?
Interest will be charged for the delayed payment period and the chosen 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. This calculation factors in
the planned payments that are requested during the repayment period. Your interest rate is personal to you and
will be detailed in checkout.
How to avoid paying interest?
You can avoid paying all interest for both periods 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.
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.
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.
How do I make a Buy Now Pay Later payment?
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. Alternatively, you can call
us.
What happens after the delayed payment period?
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. This will now be included in your account
minimum payment request each month.
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. 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.
What is excluded from Buy Now Pay Later?
The costs for delivery, installation services and any warranty and insurance products cannot be placed on Buy
Now Pay Later. Buy Now Pay Later availability is subject to your credit and account status.
Do I still have to pay my minimum payment?
Yes, allocating payments to Buy Now Pay Later will not cover the minimum payment for your Littlewoods account.
If you have a non-Buy Now Pay Later balance on your Littlewoods account, you will still need to make at least
your minimum payment as shown on your statement.
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