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
Select PayItMonthly as your payment method when you're ready to buy — it's interest and hassle-free.
Fill out our short one page form with some basic details. It only takes 2 minutes.
We'll let you know almost instantly if you're approved - get a decision in seconds.
Once approved we will take your first payment. Future monthly payments are taken by Direct Debit
Look out for the PayItMonthly logo and let a team member know you'd like to spread the cost monthly — it's interest-free and simple to set up.
Your sales assistant will either send you a link via email or provide a tablet in-store. Just enter a few basic details to complete your application.
You'll receive an approval decision on the spot — usually within a few seconds.
Once approved, you'll make your first payment to PayItMonthly. For larger purchases, a deposit to the retailer may be required. After that, you’re all set — take your item home and pay the rest over time.
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
Your payments will be as follows:
Today's payment:
£250
Monthly payments:
3 * £250
Total repayable:
£1,000
How to pay?
“Payments were affordable on my limited budget. Kind helpful service, highly recommended”
Miss H
Dec 13, 2024
Yes. All of our partners can run a pre-check to see how likely you are to be approved.
• This check is a soft credit check (it won’t show on your credit file).
• It’s highly accurate and a good indicator of approval.
• If you go ahead and apply, the check will only become a hard check once your application is accepted.
We can change your payment date if you get in touch. However, please note we must report to credit reference agencies based on the original agreement date, so changing your payment date could mean your credit file records the original date as “missed”. For this reason, we recommend keeping your original schedule whenever possible.
No. All of our agreements are for a maximum of 12 months.
Yes. Simply log in to your customer area here: Customer Login. From there, you can:
• Make a payment
• View pending and past payments
Please note: You cannot manage your direct debit online. To change or update your direct debit, call us directly on 0333 212 3914.
Please call us as soon as possible on 0333 212 3914. Acting quickly can sometimes prevent your credit file from being affected — especially if you make the payment close to the missed date.
No. Your Direct Debit will auto-stop once your agreement is fully paid. We recommend not cancelling it yourself — doing so accidentally early could cause a missed payment, which may affect your credit score.