Representative Example

44.9% APR representative variable (annual interest rate of 44.9% variable). Typical credit limit £1,000. The actual credit limit offered will depend on your credit status. This credit account may offer other promotional interest rates. An advance payment may be required with some orders placed on the account.

You can choose from a number of payment options - this will give you the flexibility to pay in a way that suits you and your budget.


3 payments over 3 months and opt out of interest


You can pay the minimum amount of £5 or 7%, whichever is the greater. By doing this, it will cost you more over time.


Pay nothing for up to 12 months when you spend £200 or more.
Buy Now Pay Later will be available in check out, subject to account status.
Interest will accrue from the date of order but will not show on the account until the first statement after the expiry of the deferred payment period. The deferred payment period will begin at point of order (including for those items which are purchased on pre-order and/or are not ready for immediate dispatch). You can avoid paying interest by contacting us and paying the cash price in full before the end of the deferred payment period.

1 month = 28 days. Over 18's only. 12 months = 12 calendar months.
The actual APR applicable to you may be different from the representative APR based on your credit status.

Credit provided, subject to status, by Shop Direct Finance Company Limited. Registered office: Aintree Innovation Centre, Park Lane, Netherton, Bootle, L30 1SL. Authorised and Regulated by the Financial Conduct Authority.

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