Choice of ways to pay:

To open a Flexi Credit Account, select the items that you want to purchase from our website and add them to your Shopping Bag. Once you have finished shopping, view your shopping bag and click 'Checkout Securely' and register for an account. After filling in some basic details, click 'Continue', then select the delivery options that you require and click 'Continue' again. Please note, for security reasons the first order you place on your flexi account must be delivered to your home address.

Once on the 'Confirm & Pay' page, select the 'Flexi Account' as the payment option and you will be asked to provide the information required to check your eligibility. We use the details you have provided to run a quotation (soft) credit search to check against our acceptance criteria. You will be able to see this search on your credit file but other lenders won't, so your credit score will be unaffected. We are required to complete a thorough credit check and affordability assessment before approving a credit account to ensure we lend responsibly and that our customers can afford the repayments.

If the eligibility check is successful and you decide to proceed then simply click 'Accept and Apply'. This will trigger your account to be opened (subject to successful ID verification) and at this point we will record a full (hard) credit search on your credit file. This search will be visible to other lenders and so can impact your credit score. You will then be shown some account preference options and will receive a welcome email. Your first statement will be produced 17 days after you open your account.

If we are not able to approve your application, you will receive a letter or email advising you of the primary reason for this decision and the options available to you.

If you apply for a new account after 29/02/2024, you will be eligible for an account with the flexi3 payment option.
You will be allocated a credit limit on application and can purchase items up to that limit. You will be issued with a monthly statement showing the current balance, flexi3 payment required to avoid interest, the minimum payment required (5% of balance/£5 minimum) and the payment due date.
At this point, you can choose how you pay:

• Pay off the balance in full and pay no interest.
• Make the flexi3 payment, which splits the value of your purchase into 3 equal instalments and pay no interest.
• Spread your payments over time to suit your needs, as long as you make the minimum payment. If you choose this option, your balance will incur interest.

Representative Example: Goods ordered and credit provided for £1000. Interest rate 39.94% variable per annum (2.840% per Month) Representative 39.9% APR variable.

If you repay the amount of credit over a 3-month period, in equal monthly instalments, the the total amount payable will be £1000.00, and your payment breakdown would be as follows:

Month One: £333.33
Month Two: £333.34
Month Three: £333.33

If you pay less than the flexi3 payment, your flexi3 balance moves to a flexiway balance, at Representative 39.9% APR Variable. Your flexiway balance is a revolving credit agreement and works in a similar way to a credit or store card. (you need to pay at least 5% or £5, whichever is higher, to avoid fees and arrears). For example:

If you repay the amount of credit over a 12-month period, in equal monthly instalments, the total charge for credit will be £183.86 and the total amount repayable will be £1183.86. The repayments you make include interest. You can pay your total balance in full at any time and pay no additional interest.
Accounts opened before 29/02/2024 give you the option to spread the cost at Representative 39.9% APR variable, but will not have the option to use flexi3.

Customers with a Flexi account can enjoy the flexibility of numerous ways to pay.

Direct Debit: You can set up and manage Direct Debits online in 'My Account'. It's quick and easy and means you'll never miss a payment.

Online: It is quick and easy to pay online through 'My Account'. Sign up to our App and you'll be able to make payments on the go.

Quickserv: The smart way to make a quick and simple payment over the phone 24/7 with this fully automated push-button service.

Call Centre: You can call our contact centre to make a card payment. We are open 8am to 6pm Monday to Saturday.

Internet Banking: You can make a payment by bank transfer direct from your account using your credit account number as a reference.

Cheque: You can pay by cheque at the bank, or by post.

The first order discount is only available when you choose to open and place your first credit account order.

If you have been provided with a different offer code, you should apply that code at bag or checkout. In some instances, this offer code will be pre-populated and applied automatically to your order. If you are shopping online, upon applying the code to your order, the discounted amount will be shown.

If the offer does not apply automatically, please enter offer code EUTP at checkout.

Please be aware, the first order discount cannot be used if you don't open a credit account to place your first order and cannot be used in conjunction with any other discount.

Please be aware all General Offer Code Terms & Conditions still apply.