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Flexible Credit

Choose the payment plan that suits you

Your Plan Flexible credit for the latest tech Currys PC World

  • Choose the payment term that suits you
  • Choose to pay nothing for the first 6 months (24.9% 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
Currys PC World

Get flexible credit at Currys PC World

SIM Free

Shop SIM free at Carphone Warehouse

Accessories

Shop Accessories at Carphone Warehouse

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 (24.9% 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 24.9% (variable)
Representative APR 24.9% APR

Or pay nothing for the first 6 months (24.9% 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 24.9% (variable)
Representative APR 24.9% 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: 24.9% (variable)
  • Representative APR: 24.9%

Or pay nothing for the first 6 months (24.9% 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: 24.9% (variable)
  • Representative APR: 24.9%

*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

To pay by Your Plan, how much do I need to spend?
How do I apply for Your Plan?
Do I need to pay a deposit?
How does 'Nothing to pay for 6 months' work?
Where can I use my Your Plan account to shop?
How do I get a refund for a Your Plan purchase?
How do I shop again using Your Plan?
How do I access my Your Plan account?
Who are Creation Consumer Finance?
How do I make a complaint about my Your Plan credit agreement?

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).

 

Half price line rental via auto cashback

Purchase selected deals on Pay Monthly, Upgrades or SIM Only and receive 2, 3, 4 or 6 months half price line rental via automatic cashback. Just purchase your new device on one of the selected deals online and we'll fulfill your cashback in the form of a cheque which will automatically be sent to you separately within 45 days of your purchase.

 

For full terms and conditions please visit here .