Whatever you're shopping for, why wait? Our simple payment options make getting it today even easier.

Whether you're looking to spread the cost over several months or pay at a later date we have a payment plan to suit you.

Simply apply in-store today. If you're accepted, pay a small deposit and take your item home with you.

How it works

Payment options

Buy Now Pay Later

Buy now pay later is easy. Pay for your item(s) with just a 5% deposit today and then have nothing to pay for up to 6 months. If you pay your outstanding balance within 6 months you pay no interest or settlement fee. At the end of the 6 months, if you're not ready to pay you can spread the balance, paying the outstanding balance and interest over 12 months.

  • You pay a 5% deposit today
  • In 6 months time you either pay the outstanding balance or spread the outstanding credit and interest over 12 months
  • Great for: Getting an item today with a small deposit and paying no interest if the outstanding balance is paid within 6 months

Here are some examples

Simply 10

Simply 10 is as simple as it sounds. You pay a 10% deposit today and then repay the outstanding balance and interest over 10 equal monthly payments.

  • You pay a 10% deposit today
  • Then a further 10 monthly payments to repay the outstanding balance and interest
  • Great for: Keeping a handle on your finances and knowing what your regular monthly outgoings are.

Here are some examples


You'll need to:

  • Be 18 years or older
  • Be under 80 at the end of the agreement
  • Have been a UK resident for a minimum of 3 years
  • Be able to supply a fixed land line telephone number
  • Have no county court judgements credit defaults
  • Have a total household income (all occupants) of more than £10,000 per year
  • Have a bank account which can support payments via Direct Debit
  • Have a Chip & PIN Debit or Credit card, for ID and deposit payment.

You can currently apply for a payment plan in-store. Applying in store is easy - find out more about how it works.

It usually takes around 10 minutes to apply in-store. You'll then get an instant decision on whether or not you've been accepted for a payment plan.

When you apply you will need to provide:

  • ID (Valid Chip and PIN debit or credit card)
  • Proof of address (UK driving license, a current UK or international passport, a utility bill, bank statement or credit card bill dated in the last 3 months, current TV licence or Council Tax notification)

Yes, we will tell you there and then whether or not your application for a payment plan has been accepted.


It is not possible for us to explain the reason for a decline but we will provide a "How the decision" is made leaflet to you to help you understand the possible causes.

Yes you can, so long as you are able to provide the required ID and proof of address documents.