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20% back

on selected Electrical products with BNPL when you enter code

Typical rate 44.9% per annum

Offer ends 27.11.25

Shop now

iPhone 17 Pro

All out Pro.

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Buy Now Pay Later

What is Buy Now Pay Later (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. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).

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. If you are eligible for BNPL your offer details will be confirmed in checkout.

How is the interest calculated?

Interest is calculated from date of order and compounded daily. The interest will be added to your account as a lump sum at the end of the delayed payment period. This means you will pay interest on interest

How to avoid paying interest?

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. 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.

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.

How do I make a Buy Now Pay Later payment?

To make a full or partial payment simply log into your account. You can allocate your payment to the specific BNPL you wish to pay off. Alternatively, you can call us.

What happens after the delayed payment period?

If you have paid the cash price in full before the end of the delayed payment period, you will not pay any 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. Any outstanding balance plus the interest will now become payable.

As 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.

This will be included within your account minimum payment request every month and cannot be repaid using Take 3.

What is excluded from Buy Now Pay Later?

The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.

Do I still have to pay my minimum payment?

Yes, allocating payments to BNPL will not cover the minimum payment on your account. If you have a non-BNPL balance, you will still need to make at least your minimum payment as shown on your statement.

Terms and Conditions for this offer

Trade-in price is dependent on make, model and condition of the device you're trading in. Working devices only. Terms apply.

20% back

1. 20% back on selected Electrical Products on Buy Now Pay Later. All eligible products are contained within the offer page, access via shop now.

2. By entering WNBU3 in the promo code box at checkout your item will be put on Buy Now Pay Later automatically. We’ll then credit 20% of the item price back to your account by 8th January 2026, 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 your item, the credit will be reversed. This can’t be used in conjunction with other offers (entering any other promo code apart from WNBU3 in checkout will exclude you from this promotion). Offer live 19th - 27th November 2025.

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 is interest calculated?
Interest will be charged for the delayed payment period and the chosen repayment period.

Interest is calculated and compounded 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 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 BNPL 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 monthly 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.