Delay payments for 12 months with Buy Now Pay Later when you spend £50 or more.
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. Your interest rate is detailed
in checkout.
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.
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.
The Latest Women's Clothing at Littlewoods
Give your wardrobe a new season refresh with our range of women's clothing. Whether you're searching for a killer work ensemble or kitting yourself out for the gym, you'll find everything you need (and plenty that you want). We can help you find your look, from gorgeous underwear to a statement coat – and everything in between. Don't forget to check out accessories for those finishing touches, with the latest designs from brands including Accessorize and Ted Baker.
Stylish Women's Clothes for Every Occasion
We've got the weekend covered, with on-trend denim and urban athleisure for off-duty comfort – perfect for chasing the kids around the park. When there's a special occasion in the diary, swap sporty for sequins and discover our beautiful going-out dresses, from names like Coast, Karen Millen and River Island. We have loads of sharp suits and separates to smarten up your working style as well, with chic boots and bags to complete the look. At the end of the day, kick back in some cosy PJs and fab fluffy slippers for a hot date with cocoa and marshmallows.
Big-Name Fashion
At Littlewoods, you'll find all your favourite fashion labels in one easy-to-use online shop. Barbour and Superdry are just the thing for outdoor days, and Phase 8 has glam nights out sorted. V by Very gives you a huge choice at great prices: check out our collaboration with Michelle Keegan for stunning styles. We even have shoes from such diverse names as Office, UGG and Clarks. And with lingerie to suit all tastes and fit under every outfit, from athletic Calvin Klein to classics from Gossard, you can redo your wardrobe from the inside out. Need a little extra confidence under your new dress? Spanx provides gentle shaping, while Ann Summers offers a flirty boost.