Our Credit Account allows you to spread the
cost of your purchases to suit your budget.
Each month you only have to pay the
minimum payment of 10% of your
balance or €10, whichever is greater.
The minimum payment will be shown on
your statement. Some months it may suit
you to pay more, others it may not,
it's whatever's best for you.
You will receive a statement every 28 days.
Representative example based
on minimum monthly payments
- €200 purchase
- 21 monthly payments of 10%
of balance (or €10 if greater)
- Rate of interest 39.9% p.a.
- Representative 39.9% APR
- Total amount payable is
If you pay more than the minimum
monthly payment, the loan will be
cleared in a shorter period of time.
WARNING: This is a high cost loan
Credit applications and managing your account
We review each new account application and reserve the right to refuse any such application. Approval of credit is subject to status. If your
application is approved, you will be granted an initial credit limit. If your application is not approved, you will be notified. We are happy to
consider any requests for an increase but reserve the right to decline it. If you think your credit limit is not enough for you, contact us on
01 811 2222. We may decrease your credit limit from time to time at our discretion to reflect factors such as changes in your personal
status, shopping requirements or other characteristics. If we do so, we will notify you. We may also suspend your credit account or
reduce your credit limit so you cannot make further purchases against your Flexible Account if you fail to keep up your repayments.
Think you might struggle to keep up with your repayments?
If, at any time, you have problems keeping up with your repayments or are worried you might have a problem keeping up with your
repayments, then: (1) Contact our Collections Team on 01 811 2222; they will help you work out a payment plan to suit your situation
(2) Additionally, the Money Advice and Budgeting Services (MABS) is a national, free, confidential and independent service, offering
credit counselling services. Their number is 0761 07 2000.
When opening a new account, your permanent home address must be supplied (business address are not accepted)
1 month = 28 days Over 18's only
Shop Direct Ireland Limited, trading as Littlewoods Ireland, Registered Office: Cape House, Westend Office Park, Blanchardstown, Dublin 15.
Registered Number 106058. Shop Direct Ireland Limited, trading as Littlewoods Ireland, is regulated by the Central Bank of Ireland.
Terms and Conditions and Lending Criteria apply. We may accept or reject any application for credit, or for an increase in credit limit, at our
discretion. Interest is charged on the daily balance of your account. The annual percentage rate (APR) is variable and is currently 39.9%.
We will send you a statement every 28 days and interest is applied on each statement date.