Interest and fees

Instalments do not include interest or additional fees. Total amount payable is agreed at the start of the agreement.

Application process

Customers can apply online or in-store through approved partners, subject to eligibility and affordability checks.

Credit reporting

Information about repayments will be shared with credit reference agencies, in line with the terms of the agreement.

How payments work.

Payitmonthly available in-store.

At participating retailers, PayItMonthly may be offered as a monthly instalment payment option, subject to eligibility.

Complete application.

Applications are accessed via a link provided by the retailer. Completion requires basic personal information.

We check eligibility.

Customer is assessed using affordability and credit checks.

Purchase completion.

If an application is accepted, an initial payment to PayItMonthly is taken. For some purchases, a deposit may be paid directly to the retailer. Remaining payments are collected in line with the agreed installment schedule.

Frequently asked questions.

Who can apply?

To apply, you must:
• Be aged 18 or over.
• Be a UK resident (excluding the Channel Islands).
• Have a valid UK mobile number and email address.
• Meet our eligibility, affordability and credit assessment criteria.

Will applying affect my credit score?

Checking your eligibility won't affect your credit score because we initially carry out a soft credit check only. If you're approved and choose to proceed with your finance agreement, a hard credit search will be recorded on your credit file. If your application is declined, only the soft credit check will remain on your credit file.

How long does the application take?

Most applications take just a few minutes to complete, andthe majority ofcustomersreceive an instant decision.

PayItMonthlyis a form of credit that allows you to spread the cost of your purchase over monthly instalments. You must be 18 or over, a UK resident (excluding the Channel Islands), and meet our eligibility criteria. All credit is subject to status and affordability checks. Late or missed payments couldimpactyour ability to access credit in the future. PayItMonthly is deemed authorised and regulated by the Financial Conduct Authority for the purposes of the Temporary Permissions Regime for Regulated Deferred Payment Credit. Details of the Temporary Permissions Regime, which allows firms to carry on deferred payment credit activities while seeking full authorisation, are available on the Financial Conduct Authority’s website. Terms and conditions apply. For full details, visit payitmonthly.uk/terms