Select Buy Now Pay Later (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. Interest is calculated on the payment free period and the repayment period.
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).
Avoid interest by paying the cash price in full within the payment free period.
BNPL is an interest bearing payment option on the Littlewoods account. All of the payment terms and applicable interest rates are detailed in checkout.
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 Limited. Registered office: First Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB. Registered number: 4660974. Authorised and regulated by the Financial Conduct Authority. Over 18s only.
Every device has a different processor and this will determine how fast your device works. If you’re just using the Microsoft Office programs or browsing the Internet, you won’t require a super-fast processor.
If you love to multi-task and want to play games in your free time, go for a better processor.
You can choose from a variety of different screen sizes and resolutions depending on your needs.
If you’re watching movies or doing a lot of on-screen reading it’s best to go for a HD option.
This will determine how long your device can work for before having to recharge. If you’re constantly on the go, you will be looking for one with a longer battery life.
This is really important if you need it to work on through the day and you’re on the move – you don’t want to be finding a point to charge from every couple of hours!
The higher the RAM and GB, the more data and information your device can store.
If you’re constantly using your device and saving down large documents, opt for a higher memory and storage.
Delay Payments for 12 months with Buy Now Pay Later when you spend £50 or more
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.
Remember, avoid paying all 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.
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).
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.