Terms of use

Accepting these terms

By using this website you accept these terms. If you do not accept them, please do not use the site. We may update them, and the date at the top shows when they were last revised. Continued use after a change means you accept the revised version.

What this site is

This site explains how paying over time works, compares the available plans, and provides tools such as the payment calculator and the eligibility checker. It is informational.

Nothing here is an offer of credit, a quote, or a guarantee of approval. Approval decisions are made individually at checkout and depend on your account, the order and the retailer.

Tools on this site

The payment calculator and the eligibility checker are estimates and self-assessments. They run in your browser and do not create an account, contact a credit bureau or produce a decision.

• Calculator figures for interest-free plans are exact; figures for financing plans are shown before any rate
• The eligibility checker tells you whether published conditions are met, not whether an order will be approved
• Neither tool commits you or us to anything

The application form

The application form on our apply page is operated by an application partner. Submitting it is subject to that partner's terms in addition to these, and information you enter is handled as described in our privacy policy.

Your payment plan is a separate agreement

If you take a payment plan, a separate agreement applies to it. That agreement — not this page — determines the amount, the number of payments, the dates, any service fee and any rate.

• Pay in 3 and Pay Later are interest-free when paid on time
• Pay in 4 adds a small service fee to the first installment, disclosed at checkout
• Financing of 6 to 36 months is provided by a licensed banking partner with full consumer credit disclosures
• Late fees are capped and set out in that agreement

You will always see the schedule before confirming. If a term is unclear, do not confirm — the help centre can explain it first.

Acceptable use

You agree to use the site lawfully and not to interfere with it.

• Do not attempt to gain unauthorised access to any part of the site or our systems
• Do not scrape, copy or republish substantial parts of the content without permission
• Do not use automated tools to submit applications or overload our systems
• Do not provide information that is false or belongs to somebody else

Third-party links and retailers

This site links to retailers, partners and other websites. We do not control them and are not responsible for their content, terms or practices.

Where goods are concerned, the retailer is your counterparty. They own the product, the delivery, the return window and the refund decision. Our role is the payment plan. How refunds work.

Accuracy of information

We take care to keep this site accurate, and we update it when terms or industry rules change. Even so, information here may become out of date, and comparisons with other providers are based on their published terms at the time of writing.

Where this site and the terms presented at checkout differ, the terms at checkout apply.

Intellectual property

The content, design and code of this site belong to us or to our licensors. You may read, print and share pages for personal use. Republishing, systematic copying or commercial reuse requires permission.

Limitation of liability

To the extent permitted by law, we are not liable for indirect or consequential loss arising from your use of this website, or from reliance on estimates produced by the tools on it.

Nothing in these terms limits any liability that cannot lawfully be limited, including liability for fraud, or any rights you have under consumer protection law.

Complaints and disputes

If something has gone wrong, start with the help centre so it can be looked at directly. If a complaint cannot be resolved, you may also raise it with the relevant regulator, including the Consumer Financial Protection Bureau in the United States.

Any dispute resolution terms that apply to a payment plan are set out in that plan's agreement.

Governing law

These terms and any dispute arising from them are governed by the laws applicable to the entity providing the service, without affecting mandatory consumer protections available to you where you live.