BUY NOW PAY LATER
Order today and delay payment
for up to 6 months
BUY NOW PAY LATER
Buy Now Pay Later gives you the freedom to buy what you need now and pay for it later.
It's ideal for unexpected purchases or if you need something fast. It means you can delay
paying anything for 6 months on selected orders worth €200 or more.
Plus, you can avoid paying any interest if you pay for your order in full within this time.
Simply select the Add to Order button when you're ready to purchase and your item
will be on Buy Now Pay Later terms.
What is excluded from Buy Now Pay Later? The costs for delivery and installation services cannot be placed
on Buy Now Pay Later.
Terms and Conditions apply
BUY TODAY WITHOUT
PAYING ANYTHING
PAY WITHIN 6 MONTHS
AND AVOID INTEREST
WE'LL REMIND YOU
WHEN TO PAY
HOW IT WORKS
Simply click on the Buy Now Pay Later link which appears during
checkout when you're buying an item worth €200 or more, and follow the
instructions provided.
Then choose to
1. Pay in full within 6 months and avoid any interest
OR
2. Pay some or nothing for 6 months, and interest will be charged
(incurred from purchase date) on remaining balance using your
Flexible Account - 39.9% APR
So why delay your purchase? Simply delay the date you pay
Shop nowHOW TO PAY
Online
- Log into My Account
- Choose Make a Payment
- Select Buy Now Pay Later located in the left column. Please note your BNPL payment will only be applied by selecting this.
- Choose which items you’d like to make a payment towards
Telephone
Call 01 811 2222 and tell us which items you would like the payment to go towards.
TIPS TO AVOID INTEREST WITH BUY NOW PAY LATER
- Interest is calculated from date of order and compounded daily. The interest will be added to your account as a lump sum at the end of the delayed payment period. This means you will pay interest on interest.
- Paying in full and on time will ensure no interest is charged.
- Your statements will contain reminders and detail your payment dates. Allow plenty of time for your payment to reach us.
- Paying back regularly keeps you in control.
- Allocate your Buy Now Pay Later Payment to the item you want to pay off, on top of any minimum payment due.
- Any installation costs will not be part of Buy Now Pay Later. These charges will appear on your next statement and a payment will be due by the payment due date.
- The payment-free period starts from the date of order, including pre-orders, not when you receive the goods.
Warning: This is high-cost credit. Consider alternative options before applying for this credit, including alternatives from other lenders regulated by the Central Bank of Ireland.
39.9% APR variable
Representative example based on
minimum monthly
payments
€200 purchase
22 monthly payments of 10% of balance (or €10 if greater)
Rate of Interest 39.9% p.a. Variable
Representative 39.9% APR
Total amount payable €256.77
If you pay more than the minimum monthly payment the loan will be cleared in a shorter
period of time
Our moneylending agreements have a maximum APR of 39.9%.
Licensed moneylenders must assess your creditworthiness in accordance with regulatory requirements. Before
providing credit, we will seek such information from you.
The value of your BNPL order must not be greater than the amount available to spend on your
account.
If it is, your order will be rejected. However, you can call us on 01 811 2222 to find out
if you are eligible for a credit limit increase.
