Delay Funds for 12 months with Purchase Now Pay Later if you spend £50 or extra

Curiosity is calculated and compounded day by day at a typical price of 44.9% every year for the delayed fee interval and reimbursement interval and is charged to your account at date of order as a lump sum.

Keep in mind, keep away from paying all curiosity by paying the money value earlier than the top of the delayed fee interval. This may be performed in a single full fee or a number of partial funds.

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What’s Purchase Now Pay Later?
Purchase Now Pay Later is an curiosity bearing possibility that permits you to delay funds in your purchases for as much as 12 months. The delayed fee interval begins from the date of order (together with pre-ordered objects and people not prepared for speedy dispatch).

You’ll be able to select:
A delayed fee interval of 12 months after which a reimbursement interval of 104 weeks if you spend £50 or extra.
A delayed fee interval of 12 months after which a reimbursement interval of 156 weeks if you spend £99 or extra.

How curiosity is calculated?
Curiosity can be charged for the delayed fee interval and the chosen reimbursement interval.

Curiosity is calculated and compounded day by day at a typical price of 44.9% every year for the delayed fee interval and reimbursement interval and is charged to your account at date of order as a lump sum. This calculation components within the deliberate funds which can be requested in the course of the reimbursement interval. Your rate of interest is private to you and can be detailed in checkout.

The way to keep away from paying curiosity?
You’ll be able to keep away from paying all curiosity for each intervals by paying the money value earlier than the top of the delayed fee interval. This may be performed in a single full fee or a number of partial funds.

Making partial funds might lead to a portion of the lump sum of compound curiosity being refunded on the finish of the delayed fee interval.

Keep in mind in the event you select to not pay the total money value earlier than the top of the delayed fee interval any excellent stability plus the lump sum of compound curiosity utilized on the date of order will develop into payable.

How do I make a Purchase Now Pay Later fee?
To make a full or partial fee merely log into My Account, select “Make a fee”, choose “Pay Purchase Now Pay Later” and allocate your fee to the precise merchandise(s) you want to repay. Alternatively, you possibly can name us.

What occurs after the delayed fee interval?
If in case you have not made any funds in the direction of your Purchase Now Pay Later, the excellent stability plus the lump sum of compound curiosity can be payable throughout your chosen reimbursement interval. This may now be included in your account minimal fee request every month.

If in case you have made partial funds, however not cleared the total money value earlier than the top of the delayed fee interval, the excellent stability plus a lowered lump sum of compound curiosity will develop into payable. The reimbursement quantity agreed for the reimbursement interval will stay the identical, which means the reimbursement interval could also be shorter than initially agreed.
If in case you have paid the money value in full earlier than the top of the delayed fee interval, you’ll not pay any curiosity.

What’s excluded from Purchase Now Pay Later?
The prices for supply, set up providers and any guarantee and insurance coverage merchandise can’t be positioned on Purchase Now Pay Later. Purchase Now Pay Later availability is topic to your credit score and account standing.

Do I nonetheless need to pay my minimal fee?
Sure, allocating funds to Purchase Now Pay Later is not going to cowl the minimal fee on your Littlewoods account. If in case you have a non-Purchase Now Pay Later stability in your Littlewoods account, you’ll nonetheless have to make at the very least your minimal fee as proven in your assertion.