Moneyzone

Pay the way you want to with a Littlewoods account.

You'll always have 20 days to pay after your statement. Pay as much toward your account as you like as long as you pay at least the minimum payment, each month.

Benefits of a Littlewoods account

Spread the cost interest free

20 weeks interest free credit is available on everything. Or 52 weeks on items £250 or more.

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Buy Now Pay Later

Buy Now Pay Later

Subject to credit and account status. The typical interest rate used to calculate BNPL interest is 44.9% per annum, your interest rate is detailed in checkout.

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2 or 4 years interest free credit

Interest Free Credit on selected furniture items £499 or more.

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Free standard delivery & returns

for all Littlewoods customers

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Managing your account

It's easy to keep track of your balance, how much you have available to spend and when payments are due. So you always know where you're up to.

Each month we'll issue you a statement, if you're happy with paperless statements we'll send you an email letting you know when your statement is ready. If you prefer us to post it to you that's fine you can change your preferences in My Account anytime. Plus, your latest statement is always available in 'My Account'.

We also have a really handy app. Its free to download. There's loads of reasons to download it such as:

Moneyzone

View your balance and make payments on-the-go.

Moneyzone

Sign in to your account quickly and securely with Touch or FACE ID.

App Store
App Store

Choose how to pay your Account

Online or via our App 24/7

You can pay online 24 hours a day, 7 days a week, when you log into My Account and choose ‘Make a Payment’. Choose the amount you want to pay and enter your debit or credit card details. For Buy Now Pay Later, if you want to make a full or partial payment simply select “Pay Buy Now Pay Later” and allocate your payment to the specific Buy Now Pay Later you wish to pay off. Online payments reach your account instantly, but may take a day to show on your account. We accept all major credit and debit cards. However just so you know, we can’t accept payments made from abroad via My Account. So if you’re on your hols (lucky you) and want to make a payment please call Freephone 0800 092 3355 and use our automated service.

Direct Debit

Setting up a Direct Debit is really simple, too. Setting up a Direct Debit means you’ll never forget your payment, and you can always make additional payments when you want to. It’s a safe and speedy way to pay your Littlewoods Account with an automatic payment from your Bank Account - all you need is your bank sort code and account number. Go to ‘My Account’ and select Make a Payment to set this up. Your Direct Debit payment is due to be taken every 28 days, we’ll confirm how much it will be on your statement, and what date we’ll take it on. Please note that any Buy Now Pay Later payments will not automatically be taken by Direct Debit, these payments will need to be made separately - you’re in control. If you need to cancel your Direct Debit you can do this from the Payments tab within My Account by clicking on to Direct Debit and selecting cancel. Please ensure you also cancel the Direct Debit with your bank/building society. You will then need to manually make any payments due on your account.

Internet/Telephone Banking

You can make payments directly from your bank by quoting our sort code 62-13-35 and account number 0000 0000 (no this isn't a typo!). You’ll need to add your Littlewoods Account number into the payment reference field.

Alternative payment methods are available and detailed on the back of your statement.

Did you know you can protect the things you love with Littlewoods Protect?

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Ways to borrow

Quickcheck

Get an answer with Quickcheck

See if you're eligible for a Littlewoods Credit Card

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Shop Direct Finance Company Limited (exclusive credit broker). Capital One (lender) pay us for this introduction.

Loan

Looking for a loan?

You could borrow between £1,000 - £25,000

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Shop Direct Finance Company Limited act as a credit broker for this product. Freedom Finance are also a broker, and not a lender.

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.

1

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.