This calculation factors in the planned payments that are requested during the repayment period. Interest is calculated and compounded daily at a typical rate of 44.9% per annum for the delayed payment period and repayment period and is charged to your account at date of order as a lump sum. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).Ī delayed payment period of 12 months and then a repayment period of 104 weeks when you spend £50 or more.Ī delayed payment period of 12 months and then a repayment period of 156 weeks when you spend £99 or more. Your minimum payment as shown on your statement.īuy Now Pay Later is an interest bearing option that allows you to delay payments on your purchases for up to 12 months. If you have a non-Buy Now Pay Later balance on your Littlewoods account, you will still need to make at least Yes, allocating payments to Buy Now Pay Later will not cover the minimum payment for your Littlewoods account. Buy Now Pay Later availability is subject to your credit and account status.ĭo I still have to pay my minimum payment? The costs for delivery, installation services and any warranty and insurance products cannot be placed on Buy
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If you have paid the cash price in full before the end of the delayed payment period, you will not pay any The repaymentĪmount agreed for the repayment period will remain the same, meaning the repayment period may be shorter than
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Period, the outstanding balance plus a reduced lump sum of compound interest will become payable. If you have made partial payments, but not cleared the full cash price before the end of the delayed payment This will now be included in your account If you have not made any payments towards your Buy Now Pay Later, the outstanding balance plus the lump sum ofĬompound interest will be payable across your chosen repayment period. What happens after the delayed payment period? Later" and allocate your payment to the specific item(s) you wish to pay off. To make a full or partial payment simply log into My Account, choose "Make a payment", select "Pay Buy Now Pay How do I make a Buy Now Pay Later payment?
Remember if you choose not to pay the full cash price before the end of the delayed payment period any Making partial payments may result in a portion of the lump sum of compound interest being refunded at the end This can be done in one full payment or multiple partial payments. You can avoid paying all interest for both periods by paying the cash price before the end of the delayed Your interest rate is personal to you and The planned payments that are requested during the repayment period. Interest is calculated and compounded daily at a typical rate of 44.9% per annum for the delayed payment periodĪnd repayment period and is charged to your account at date of order as a lump sum. Interest will be charged for the delayed payment period and the chosen repayment period. The delayed payment period starts from the date of order (including pre-ordered items and those notĪ delayed payment period of 12 months and then a repayment period of 104 weeks when you spend £50 orĪ delayed payment period of 12 months and then a repayment period of 156 weeks when you spend £99 or Outstanding balance plus the lump sum of compound interest applied at the date of order will becomeīuy Now Pay Later is an interest bearing option that allows you to delay payments on your purchases for up to 12 Remember, if you choose not to pay the full cash price before the end of the delayed payment period, any To find the date the transaction was made, please reference your historic statement PDFs contained Within the delayed payment period does not affect the amount of interest you will pay. The outstanding balance at the end of the delayed payment period. You pay on these transactions the less interest you will pay.įor transactions on or after the 13th November 2019, you will be refunded interest based on Will be refunded interest in line with the date that the payment was made. Making partial payments may result in a portion of the lump sum of compound interest being refunded atįor transactions before the 13th November 2019, if you only pay part of the BNPL transaction balance you You can avoid paying all interest for delayed and repayment periods by paying the cash price before theĮnd of the delayed payment period. How can you avoid paying Buy Now Pay Later interest?
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