20% off* your first flexi order...
Use code EUTP
...pay nothing today
Open a flexi account
*Excludes electricals
Pay in 3 with flexi3 & pay no interest
Spread the cost over 3 monthly payments.
Make multiple purchases on flexi3 and make one easy monthly payment.
flexi3 is part of a flexi account.
Here's how it works...
If you do not pay your flexi3 payment by the due date your balance will move to a flexiway balance (39.9% APR).
Spread the cost with flexiway
Choose a lower monthly payment option by paying from as little as 5% of your balance (or £5 minimum).
Representative 39.9% APR Variable
Pay in full by the due date and pay no interest
Please shop responsibly and ensure you can afford to make repayments. Choosing to pay the minimum will increase the total cost of credit.
How to apply
Browse the website, add your chosen items to the bag and checkout. Register or Login.
Select 'flexi' as the payment method at checkout.
Answer a few questions to see if you're eligible. Your credit rating won't be affected until you accept your credit offer.
A flexi account is only available to UK residents aged 18 or over and is subject to status.
FAQs
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.
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 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.
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.
If you choose to pay for your purchases using flexi3, the total of each purchase covered by flexi3 will be split into three equal monthly payments:
The total amount you owe us using flexi3 is your flexi3 Balance.
You will not incur interest on your flexi3 balance provided you pay each flexi3 payment in full by the date set out in your statement.
If you do not pay at least the flexi3 Payment each month then your flexi3 Balance will move to become part of your flexiway Balance and interest will be charged at the rate set out in your agreement.
Once a flexi3 Balance has become part of the flexiway Balance it cannot move back.
Provided you are up to date with the payments due on your account, you can use flexi3 to pay for any new purchases.
Your flexiway Balance is the Total Outstanding Balance on your Account excluding any flexi3 Balance. You will have to pay interest on your flexiway Balance at the rate set out in the agreement.
If you would prefer to pay for your purchases over a longer period, then you can pay any amount to us provided it is enough to cover the minimum payment shown in your monthly statement.
Your minimum payment will be 5% of the total outstanding balance on your Account subject to a £5 minimum.
The total outstanding balance means all amounts which you must pay to us under the agreement.
If you make a payment which is less than the flexi3 or flexi Account Payment due as shown on your statement, interest will be charged on the total outstanding balance. This will include any flexi3 Balance, at the rate set out in your agreement.
Where a flexi3 Payment or a flexi Account Payment (whichever is requested) is not paid by the date shown in your previous statement, the flexi3 Balance shown on your last statement will move to become part of the flexiway Balance. Interest will be charged at the rate set out in your agreement until payment of the full flexiway Balance is received from you. Once a flexi3 Balance has become part of the flexiway Balance it cannot move back.
Provided you are up to date with the payments due on your account, you can use flexi3 to pay for any new purchases.
If you do not make the payments when they are due, it may:
negatively impact your credit rating which may make obtaining future access to credit more difficult or expensive;
mean that you are unable to make purchases on your Account whilst it is in arrears;
result in an increase in the total cost of the debt you owe to us because interest will be charged on any outstanding Account balance and a late payment fee not exceeding £12 may be applied;
mean we may sell your debt to a specialist debt collection agency or issue legal proceedings against you to recover the balance you owe to us under this Agreement; and
lead to you having to pay our reasonable costs which we may incur in enforcing our rights under the Agreement, including costs arising out of the legal proceedings.
Where a flexi3 Payment or a flexi Account Payment (whichever is requested) is not paid by the date shown in your previous statement, the flexi3 Balance shown on your last statement will move to become part of the flexiway Balance. Interest will be charged at the rate set out in your agreement until payment of the full flexiway Balance is received from you. Once a flexi3 Balance has become part of the flexiway Balance it cannot move back.
If you choose to pay for your purchases using flexi3, the total of each purchase covered by flexi3 will be split into three equal monthly payments:
The total amount you owe us using flexi3 is your flexi3 Balance.
You will not incur interest on your flexi3 balance provided you pay each flexi3 payment in full by the date set out in your statement.
If you do not pay at least the flexi3 Payment each month then your flexi3 Balance will move to become part of your flexiway Balance and interest will be charged at the rate set out in your agreement. Once a flexi3 Balance has become part of the flexiway Balance it cannot move back.
Provided you are up to date with the payments due on your account, you can use flexi3 to pay for any new purchases.
Your flexiway Balance is the Total Outstanding Balance on your Account excluding any flexi3 Balance. You will have to pay interest on your flexiway Balance at the rate set out in the agreement. Or, you can clear the total outstanding balance by the due date shown on your statement and you won't incur any interest.
Example;
If you make purchases totalling £300 in the first statement period and wish to use flexi3, you will then need to pay at least £100 for the next three months so that you do not have to pay any interest on these purchases. We call each of these £100 instalment payments, your flexi3 Payment. The £300 is your flexi3 Balance.
If in month 2, you choose to pay £50 instead of the £100 flexi3 Payment, you would be using flexiway because the payment you are making is less than the £100 that is due as your flexi3 Payment for that month. The £50 payment you make would still however cover the Minimum Payment due (being 5% of the remaining £200 that is due so £10). You would then incur interest on your balance from the date of your previous statement until you pay the balance in full. This is because that balance due would now be your flexiway Balance, rather than your flexi3 Balance.
If you then make new purchases, for example for a new purchase for £500, flexi3 would be available on that new purchase. This means that you could spread the cost of that £500 purchase over the next three months and not pay any interest on them.
However, you would now need to make the flexi Account Payment to us to ensure that the new purchase of £500 remained interest free. The flexi Account Payment would apply as you would now have a flexi3 Balance (£500) and a flexiway Balance (£150). If you choose to pay less than the flexi Account Payment, interest would be payable on the new purchase, and it would also become part of your flexiway Balance. All amounts due will be clearly shown on your monthly statement.
Or you can choose to pay in full the outstanding balance by the due date and pay no interest.
You can opt to use flexi3 again for future purchases, provided you are up to date with the payments due on your account. You don't need to have completed all 3 flexi3/flexi account payments and cleared your flexi3 balance before you use flexi3 again.
You will be issued with a monthly statement with a choice of payment options
1. flexi3 Payment or a flexi Account Payment (whichever is requested). Pay at least this amount to pay no interest on your flexi3 balance. If you pay less than this amount your remaining flexi3 balance will move to your flexiway balance and incur interest at your account rate. This amount includes your minimum payment.
2. Minimum payment, this is the minimum amount you need to pay. If you pay less than the flexi3 Payment or flexi account payment amount your remaining flexi3 balance will move to your flexiway balance and incur interest at your account rate.
Please note if you only make the minimum payment each month, it will take you longer to pay off your balance and cost you more.
If you already have a credit account with freemans you will need to pay off your current balance and close your current credit account before you can apply to open a new flexi account. Please note, there is no guarantee that your new application will be accepted, all applications are subject to our usual credit and eligibility checks.
Once you have cleared your balance you can close your current credit account over the phone with an advisor or complete a form on the webchat portal.
You will then need to wait until the next day, or until Monday if the day you close your account is a Saturday, before you can apply for a new account.
To open a new 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.
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