SmartPay

Say hi to SmartPay. Providing the flexibility that parents need!

Choose to pay now or later from the many payment options available. You can avoid paying interest on every purchase.

Representative 23.9% APR variable

 

Payment options

   
       

 

Provider

Repayment

Interest

Late fees

Paypal Credit Spread the total cost over a maximum period of 24 months – terms apply Option 1 – 0% interest for 12 months on single transactions of £99 Option 2 – 9.9% interest for 24 months on single transactions of £199 or more. Option 1 – Interest is charged at our standard rate of 23.9% p.a. (variable) if the full amount is not paid off by the date shown on your statement. Option 2 – Interest is charged at our standard rate of 23.9% p.a. (variable) if the full amount is not paid off by the date shown on your statement.
Paypal Pay in 3 Make one payment today, then pay the rest in two interest-free monthly payments. Available on purchases from £30 to £2,000. No interest or fees when you pay on time There are no fees for choosing to pay with PayPal Pay in 3. If a payment does become overdue, our collections team will work with you to find the best solution.
Clearpay  4 payments, payable every 2 weeks No interest or fees when you pay on time Clearpay charges a £6 late fee for each late instalment and a further £6 if it’s still unpaid 7 days later. Late fees are capped at £6 for orders under £24 and the lower of £24 or 25% of the order value for orders over £24.
Klarna
Klarna Pay in 3 One part payment at purchase and 2 further payments at 30 and 60 days No interest or fees when you pay on time We will charge you a late fee if you do not pay us up to 14 days after your 2nd or 3rd instalments are due. We’ll attempt up to three times to charge your card within this time. If we are still not able to collect payment from you, we will charge you a late fee. If your order is £30 or more, we will charge you a late fee of £5. If you only receive part of your order and the total value is £20 or less, the late fee will only be 25% of the purchase price of the order. For example, if your order’s total value is £16, you will be charged a £4 late fee, which is 25% of £16. You will only be charged a maximum of one late fee per instalment. We won’t charge you a late fee if you have less than £1 left to pay.
 

Klarna
Klarna Pay in 30 days 30 days to pay No interest or fees when you pay on time If your order is over £20, we will charge you a late fee of £5. If you only receive part of your order and the total value is £20 or less, the late fee will only be 25% of the purchase price of the order. For example, if your order’s total value is £16, you will be charged a £4 late fee, which is 25% of £16. You will only be charged a maximum of two late fees per Pay Later order. We won’t charge you a late fee if you have less than £1 left to pay.
Find the finance for you Shoppers can use Dopple at the checkout to access a wider range of finance options from our multi lender panel when compared to a single lender. Select Dopple at checkout and we’ll search and display the finance options available from our lending panel, such as Interest Free, Lowest Monthly payment, Lowest APR, Shortest terms. The choice is yours Dopple acts as a credit broker and not as a lender. Dopple offers both regulated and unregulated products through its lending partners. The interest free options which are repayable within 12 months are not regulated by the Financial Conduct Authority and you may not be able to refer your complaint to the Financial Ombudsment Service. Credit is subject to a status and credit assessment by the lender. Representative Example: Total loan amount = £5,000. Repayable by 60 monthly repayments of £116.26. Total charge for credit = £1,975.81. Total amount repayable = £6,975.81. Interest rate is 14.9% per annum fixed. Representative APR 14.9% fixed. Subject to status. Please note, the rate which you are offered may differ from the rate above and it will depend on your personal credit circumstances. The other rates that are available are 16.9% APR and 19.9% APR. Missed payments may affect your credit file, future borrowing and incur fees. We do not charge you a fee for our service. We receive a commission based on a percentage of the total amount of finance taken. This will not affect the interest offered, or the total amount repayable.

Pay Later

Pay 30 days after delivery

  • 30 days to pay with no interest or fees when you pay on time for the service
  • Get your goods before you pay
  • No interest, fees or credit application
  • Sit back and relax. Klarna will notify you when payment is due
  • Simple, safe and secure

Pay Later

3 interest-free instalments

  • Get what you love now. Pay over time.
  • One part payment at purchase and 2 further payments at 30 and 60 days
  • Automatically collected monthly from your chosen debit or credit card
  • No interest or fees when you pay on time
  • No credit application required
  • Simple and safe

Pay with PayPal

Sign into your PayPal account and pay securely with your card details.

Pay with PayPal Credit

Sign into your PayPal account and select 0% interest for 4 months on all products of £99 or more.

Pay by Card

Pay securely using your major credit or debit card.

Pay with Amazon

Sign into your Amazon account and pay securely with your card details.

1. Add your favourites to cart

2. Select Clearpay at checkout

3. Log into or create your Clearpay account, instant approval decision

4. Your purchase will be split into 4 payments, payable every 2 weeks

How does the 0% for 12 months offer work?

For customers with PayPal Credit, 0% interest for 12 months is available on single transactions of £99.00 or more. This means when you spend more than £99.00 in one shopping basket, you’ll benefit from the offer and won’t be charged any interest on that transaction for 12 months after purchase. This applies automatically to any purchase made using PayPal Credit in excess of this value, except those to which another promotional offer (such as an instalment offer) applies. You can use this offer as many times as you like as long as you have an available credit limit.

While no interest is charged, any balance subject to a 0% for 12 months offer will be included in the calculation of your minimum repayment amount. Any remaining balance due after the 12-month promotional period will be charged at 23.9% p.a. (variable). If you fail to make minimum repayments on time or in certain other circumstances, PayPal may remove your offer. Please see the Credit Agreement for more details.

How do instalment offers with PayPal Credit work?

With selected merchants, when you check out with PayPal Credit, you’ll be shown a selection of instalment offers which enable you to spread the cost of your purchase across a number of repayments. These instalment offers allow you to choose a set monthly repayment over a fixed period to help spread the cost of larger purchases in a more manageable way.

Instalment offers will always have an interest rate lower than the standard variable rate. If you already have PayPal Credit, you can take advantage of these offers without having to reapply as long as you have enough available credit limit.

It is important that you think about whether you can afford the monthly repayment agreed for any instalment offer. This will be added to your monthly minimum repayment amount and will need to be paid each month.

If you fail to make repayments or in certain other circumstances, PayPal may remove your offer and any outstanding amount will be charged at 23.9% p.a.

(variable). Please see the Credit Agreement for more details.

© 2022 PayPal Inc. Confidential and proprietary.

FAQ – PayPal Credit

What Is PayPal Credit?

PayPal Credit is like a credit card, without the plastic. It’s a credit limit that’s attached to your PayPal account which you can use for your online purchases. If you have PayPal Credit it will be available as a funding source within your PayPal wallet and can be used for purchases in most places where PayPal is accepted. You can make purchases in the same way as you would with a normal credit card, by choosing PayPal Credit as your funding source at checkout.

For purchases less than £99.00, interest is charged at our standard rate of 23.9% p.a. (variable) if the full amount is not paid off by the date shown on your statement. In addition, PayPal Credit lets you access two types of promotional offers: 0% for 6 or 12 months on all purchases of £99.00 and over; pay over 18 or 24mths with an interest rate of 9.9%

Is PayPal Credit Available To Everyone?

No, PayPal Credit is only available to customers over 18 living in the United Kingdom (excluding Channel Islands and the Isle of Man). PayPal also have to assess a customer’s creditworthiness, so you should have a good credit history to apply.

How Can I Apply For PayPal Credit?

Customers may be offered the opportunity to apply for credit on a website, if purchasing an eligible product and choosing to apply for an instalment offer using PayPal Credit. Otherwise customers can apply directly via PayPal’s website.

Click here to see the full FAQ for PayPal Credit and view the Terms and Conditions.

© 2022 PayPal Inc. Confidential and proprietary.

FAQ –  PayPal Pay in 3

Pay in 3

Make one payment today, then pay the rest in two interest-free monthly payments. Available on purchases from £30 to £2,000. Apply easily and get an instant decision. Check out securely with PayPal and choose Pay in 3

Subject to status. Terms and Conditions apply. UK residents only. PayPal is a responsible lender. Pay in 3 performance may influence your credit score. PayPal Pay in 3 is a trading name of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH

Click here to learn more about Pay in 3.

© 2022 PayPal Inc. Confidential and proprietary.

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