Flexible Credit
Choose the payment plan that suits you
Flexible credit for the latest tech 
- Choose the payment term that suits you
- Choose to pay nothing for the first 6 months (24.4% APR Representative)
- Choose to pay no deposit and pay it off early at no extra cost
- Available on orders £99 and over
- Plus once you've opened an account, you can use it to spend again in the future on anything £99 and over
How it works
With Your Plan flexible credit, the choice is yours - choose the payment term that suits you and choose to pay nothing for the first 6 months. If you choose to pay the outstanding balance at the end of the 6 month period you will pay no interest (19.9% APR Representative). Here's how to apply:
- Add items worth £99 or more to your basket
- In checkout, choose to pay on credit
- Complete a simple online application
- Once approved, e-sign your credit agreement to complete your purchase
- Please note: certain items can't be paid for on credit; items marked 'ONLINE ONLY', software downloads, and pay-monthly Repair & Support plans.
0% Interest - Spread the cost, interest free
Where indicated on selected product pages, Your Plan also offers interest free credit over a fixed period. To set up your account and buy this way, simply add applicable items to your basket, choose to pay by 'Credit' in checkout, and follow the on-screen instructions. Or speak to one of our colleagues in store.
Your Plan Representative Examples:
Here's how you could spread the cost of a £500 purchase, like a laptop, TV or kitchen appliance when you shop online with us.
| Duration (months), payments start 1 month after purchase | 9 | 12 | 18 | 24 | 36 |
|---|---|---|---|---|---|
| Cash Price | £500 | ||||
| Amount of Credit | £500 | ||||
| Monthly Payment | £59.87 | £45.90 | £31.97 | £25.03 | £18.14 |
| Total Amount Payable | £538.83 | £550.80 | £557.46 | £600.72 | £653.04 |
| Rate of Interest | 19.9% (variable) | ||||
| Representative APR | 19.9% APR | ||||
Or pay nothing for the first 6 months (19.9% APR Representative).
After 6 months choose;
- to pay the amount of credit £500 and pay no interest
- or to set up a monthly payment term to suit you
- if you decide not to pay the outstanding balance at the end of the 6 month period, interest will be charged from the date of purchase
| Duration (months), payments start 1 month after purchase | 3 | 6 | 12 | 24 | 36 |
|---|---|---|---|---|---|
| Cash Price | £500 | ||||
| Amount of Credit | £500 | ||||
| Monthly Payment | £188.08 | £96.17 | £50.26 | £27.40 | £19.87 |
| Total Amount Payable | £564.24 | £577.02 | £603.12 | £657.60 | £715.32 |
| Rate of Interest | 19.9% (variable) | ||||
| Representative APR | 19.9% APR | ||||
Spread the cost over 24 months
Here's how you could spread the cost of a £500 purchase like a laptop, TV or kitchen appliance when you shop in store with us:
- Cash price: £500
- Total amount of credit: £500
- No of monthly payments: 24
- Monthly payment: £25.03
- Total amount payable: £600.72
- Rate of interest: 19.9% (variable)
- Representative APR: 19.9%
Or pay nothing for the first 6 months (19.9% APR Representative)
- Cash price: £500
- Total amount of credit: £500
- No of monthly payments: 24
- Defer payment: Pay nothing for 6 months*
- At month 6: Pay £500 and pay no interest, or spread the cost over 24 monthly payments of £27.40 - total amount payable £657.60
- Rate of interest: 19.9% (variable)
- Representative APR: 19.9%
*If you decide not to pay the outstanding balance at the end of the 6 month period, interest will be charged from the date of purchase
What you need to apply
To apply for Your Plan flexible credit, you need to:
- Be aged between 18 and 80
- Be in full-time work (16 hours or more a week), retired, or in receipt of disability allowance
- Be a UK resident for 3 years or more
- Provide either a landline or mobile phone number
- Have a bank account from which direct debits can be taken
- Have a gross annual household income of £10,000 or more
- Have a credit or debit card registered to your name and home address
- Have valid proof of address - Full UK driving licence. Valid UK or international Passport. A Utility bill, Bank statement or credit card statement (dated within the last 3 months)
FAQs
Your first order and any ongoing orders purchased using Your Plan must have a value of £99 or over.
To apply for Your Plan credit on your in-store shopping, either click here to get pre approved, or speak to a colleague and apply in store
When you shop with Your Plan credit in store, you have the choice to pay a deposit or not
For the first 6 months you can pay nothing (19.9% APR Representative). At the end of 6 months you can pay the balance in full, with no interest to pay. Or you can spread the cost over the number of monthly repayments you chose when you applied. Four months after purchase you will receive a statement, reminding you of these options. If you decide not to pay the outstanding balance at the end of the 6 month period, interest will be charged from the date of purchase.
Once your application's successful, you can shop with Your Plan both online and in any Currys PC World store.
To get a refund for a Your Plan purchase made in store, simply return the item to the store with your receipt.
To shop again with Your Plan in store, let a colleague know in store and they will help you shop with Your Plan.
When your application is accepted, Your Plan will email you, inviting you to register at the Your Plan website. Here you can manage your account and view your past Your Plan purchases.
We have partnered with Creation Consumer Finance, part of BNP Paribas Personal Finance to offer you Your Plan. Creation Consumer Finance manage Your Plan, and you make your monthly payments to them. DSG Retail Limited (trading as Currys and PC World) acts as a credit broker and not a lender. Credit is provided by Creation Consumer Finance.
You can make a complaint regarding a Your Plan account by visiting one of our stores or through one of the following means.
Price Promise - If you find an upgrade, pay monthly SIM only or pay monthly deal for less at O2, EE or Vodafone, we'll match it and pay the equivalent of your first month's standard line rental via cheque. Applies to published prices only where the handset is in stock and available for immediate purchase or dispatch. Proof of competitor price(s) required. Full T&Cs click here.
†† Networks may increase monthly price in line with Retail Price Index (RPI).
Samsung Galaxy Note9 - Based on a normal upfront cost of £299.99 at £46 with 30GB on O2, when trading in a working Samsung S7 worth up to £120. Save £299.99 based on the upfront cost on the above tariff. SIM free price based on regular RRP of £899. Any additional trade-in value will be given via cash / debit card. Full trade in offer available with selected Samsung, Apple, Google handsets; working and non-working handsets are eligible.
Please note you can’t order your new phone online and trade in in store.
Saving calculated on total cost of ownership for black tag deals, for more information click here.
1. Pay monthly prices subject to credit check, eligibility and minimum term of 24 months on selected networks and tariffs. Monthly price may increase in line with Retail Price Index (RPI). Standard Terms and Condition apply.
The Carphone Warehouse Ltd is authorised and regulated by the Financial Conduct Authority. Registered Office: 1 Portal Way, London W3 6RS, Registered in England No. 2142673. © Dixons Carphone PLC 2017