Shopping made simple
Split your purchase into easy, interest-free instalments. No hidden fees, no hassle—just a smarter way to pay.

No interest or fees

Every instalment is interest-free, so what you see is what you pay.

Instant approval

Apply in seconds and get an immediate decision, no waiting, no paperwork.

Boost your credit score

Repaying on time can help improve your credit score, giving you a positive record.

How payments work

Choose PayItMonthly at checkout
Complete a quick application
Get an instant decision
Order confirmed & shipped
Choose PayItMonthly in store
Complete a quick application
Get an instant decision
Take your item home

When you pay

Day of purchase

Instalment 1 + optional deposit

1 month later

Instalment 2

2 months later

Instalment 3

Your retailer is paid by us the next day or the following week (depending on their plan), once delivery of goods/services is confirmed.

Day of purchase

Instalment 1 + optional deposit

1 month later

Instalment 2

2 months later

Instalment 3

3 months later

Instalment 4

4 months later

Instalment 5

5 months later

Instalment 6

Your retailer is paid by us the next day or the following week (depending on their plan), once delivery of goods/services is confirmed.

Payment calculator

2
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Your payments will be as follows:

Today's payment:

£250

Monthly payments:

3 * £250

Total repayable:

£1,000

How to pay?

Flexible payment options

Once your agreement is approved, you can choose to make payments monthly or every four weeks.

Direct debit

Phone

Online card payments

Make payment

Manage your account

Sign into your PayItMonthly account to make payments online and manage your agreements.

View your remaining agreement length

Make card payments online

View historic agreements

Manage account

“Payments were affordable on my limited budget. Kind helpful service, highly recommended”

Miss H

Dec 13, 2024

Frequently asked questions

Everything you need to know about the product and billing. Can’t find the answer you’re looking for? Please chat to our team.
Can I be pre-approved for credit? (I’m worried about hard checks)
Can I change my payment date?
Can I have an agreement longer than 12 months?
Can I pay online?
What should I do if I miss a payment?
Do I need to cancel my direct debit once I’ve paid in full?