Choose the payment plan that suits you
Flexible credit for the latest tech 
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:
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.
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;
| 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 | ||||
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:
*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
To apply for Your Plan flexible credit, you need to:
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 (24.9% 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.
Find our best mobile phone deals here.
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).
SIM only + SIM free: Discount given on handset cost when taken with a SIM only contract. The discount value may be recovered should the SIM only contract be cancelled within the cancellation period.
Please note you can’t order your new phone online and trade in in store.
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 2019
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