Spread the cost
Each month you only have to pay the minimum payment of 10% of your Flexible Account balance or €10, whichever is greater. The minimum payment will be shown on your statement. Whatever else you pay is up to you, some months it may suit you to pay more, others it may not it's whatever's best for you. If you have requested insurance, the amount of the monthly premium due to the insurer will be in addition to your minimum payment. You will receive a statement every 28 days.
Each month you only have to pay the minimum payment of 10% of your Flexible Account balance or €10, whichever is greater. The minimum payment will be shown on your statement. Whatever else you pay is up to you, some months it may suit you to pay more, others it may not it's whatever's best for you. If you have requested insurance, the amount of the monthly premium due to the insurer will be in addition to your minimum payment. You will receive a statement every 28 days.
Payment options to suit your budget
There is no need to have cleared your balance before you buy again. We simply add the new value of the order to the outstanding balance and you can continue to spread the cost, provided you keep up your repayments and stay within your credit limit. If you think your credit limit is not enough for you, contact us on 01 811 2222 to ask us if we can increase it.
There is no need to have cleared your balance before you buy again. We simply add the new value of the order to the outstanding balance and you can continue to spread the cost, provided you keep up your repayments and stay within your credit limit. If you think your credit limit is not enough for you, contact us on 01 811 2222 to ask us if we can increase it.
Enjoy your purchases while you pay for them
There's no need to pay when you order. You can spread the cost by using our Flexible Account*
There's no need to pay when you order. You can spread the cost by using our Flexible Account*
How we charge interest and cost of credit
Interest is charged on the daily balance on 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. If you pay off the full balance owing on the account by the due date shown on the statement you will not have to pay any interest for that statement period.
As a representative example, if you use your Flexible Account to buy a single item for €100 and make the minimum payment each month of €10 or 10%, whichever is greater, you will make 11 payments of €10 and a final payment of €6.63 and the total cost of credit will be €16.63.
Interest is charged on the daily balance on 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. If you pay off the full balance owing on the account by the due date shown on the statement you will not have to pay any interest for that statement period.
As a representative example, if you use your Flexible Account to buy a single item for €100 and make the minimum payment each month of €10 or 10%, whichever is greater, you will make 11 payments of €10 and a final payment of €6.63 and the total cost of credit will be €16.63.
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 you ask us to provide additional credit for purchases in excess of your credit limit we will consider your request, but reserve the right to decline it. 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.
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 you ask us to provide additional credit for purchases in excess of your credit limit we will consider your request, but reserve the right to decline it. 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 & Budgeting Services (MABS) is a national free, confidential and independent service offering credit counselling services. Their number is 1890 283 438.
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 & Budgeting Services (MABS) is a national free, confidential and independent service offering credit counselling services. Their number is 1890 283 438.
