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.
99p 2 year protection with Service Guarantee Labour Only (inclusive of manufacturers warranty) on all Indesit refrigeration and washing machines. Offer ends 12th July 2017. This is a promotion price and extensions will be charged at a standard rate.
Service Guarantee Labour Only provides:
- Protect against mechanical breakdown
- You'll have peace of mind that if it breaks we will fix it
- Call out and labour charges are all covered
At the end of the 2 years this Service Guarantee Labour Only may be automatically extended in one year periods (up to a maximum of 6 years). We will contact you a few weeks prior to the expiry of this Service Guarantee Labour Only with further details including cost, payment methods and information about how to opt out of the extension if you do not wish to continue your Service Guarantee Labour Only. If your Service Guarantee Labour Only will not be automatically extended we will contact you to confirm this and the date your Service Guarantee Labour Only will expire.
Full terms & conditions for Service Guarantee Labour Only can be viewed here. Service Guarantee Labour Only excludes some situations for example; accidental damage, and any wilful act or neglect. It is not an insurance product. The cover period includes manufacturers warranty & you may be covered by another product.
Service Guarantee is arranged by Shop Direct Home Shopping Limited. Registered Number 4663281. Registered Office: First Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB. The Provider is The Warranty Group (TWG) Services (Isle of Man) Limited, St George's Court, Upper Church Street, Douglas, Isle of Man, IM1 1EE.