Making partial payments without clearing the cash price in full will reduce the lump sum of compound interest charged at the end of the delayed payment period. How to avoid paying interest? You can avoid all of the interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments. This means you will pay interest on interest. The interest will be added to your account as a lump sum at the end of the delayed payment period. How is interest calculated? Interest is calculated from date of order and compounded daily. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).īuy Now Pay Later for 9 months when you spend £50 or moreīuy Now Pay Later for 12 months when you spend £300 or more Buy Now Pay Later is an interest bearing option that allows you to delay payments on your purchases for up to 12 months depending on how much you spend.

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