Based on research and not influenced
This is based on research, and not influenced. However, we may earn a commission if you buy through links on this site.

9 Amazon UK Buy Now Pay Later Options for Shopping

With the different Amazon UK buy now pay later options, you can spread the cost of your purchases into weekly or monthly instalments.

When it comes to shopping, there are a few online portals that can compare to the huge inventory available when browsing through the items on the Amazon marketplace.

You can get almost anything on the platform and through some of the buy now pay later services, you will be able to defer payment without being bothered with upfront costs.

List of Amazon UK Buy Now Pay Later Options

Below are the split payment providers that provide financing for Amazon purchases, including pay in 3 options:

Instalments by Barclays

Barclays

Max. Amount

£5,000

Length

Up to 48 Months

Type

Direct


Tip: Instalments by Barclays is one of the direct-to-use Amazon UK buy now pay later options that can help you spread the cost for up to 48 months on a cart value of at least £100.

 

This is a credit-based financing option that is available when making payments on the platform alongside its other checkout methods.

With it, you can enjoy monthly instalments on your Amazon purchases starting from three to forty-eight months.

 

Read more about Instalments by Barclays

One of the requirements to use this option is a minimum cart value of £100 and with a credit check a prerequisite as well, your income must be at least £6,000 per year from verifiable permanent employment.

When you are approved, you will be granted access to a credit line between £300 to £5,000 that you can utilize at checkout.

There is a representative APR of 19.2% when using Instalments by Barclays to spread payments on Amazon but you may be offered 0% during the promotional period.

Amazon Monthly

Amazon

Max. Amount

Varies

Length

Up to 12 Months

Type

Direct


Tip: If you are a frequent user of the platform, you may be eligible for its interest-free monthly instalment plan which can enable you to enjoy split payments for up to 5 or 12 months on qualifying purchases.

 

You cannot have a list of the best Amazon UK buy now pay later options without its monthly payment plan and if you are eligible, it may be the right one compared to the others because you will not pay any extra in interest.

The term varies depending on the product and category of the item being bought but it can either be up to a maximum of 5 months or not exceeding 12 months.

 

Read more about Amazon Monthly

Eligibility is based on how frequently you use the platform for shopping, have a credit card connected to your account, and must have been active in the last 12 months to see the option.

Unlike the other methods on this list that allow you to utilize their financings on the total cart value, you can only use Amazon Monthly on one qualifying product (within a single category) in your basket per checkout.

There are two options; while the five monthly instalments can only allow a single open order, the twelve-month plan can have up to three active orders.

To use Amazon Monthly, you will see the instalment option when viewing the page of eligible products.

This financing method does not have any fee for late payments just like the Instalments by Barclays but with on-time payments, you can keep the option active for your account on Amazon.

Klarna

Klarna

Max. Amount

£2,500*

Length

Up to 2 Months

Type

Alternate


Tip: You can use Klarna to pay in 3 on Amazon by generating its virtual card, shopping with the browser extension, or simply going through the store directory in the app.

 

Klarna is one of the popular Amazon UK buy now pay later options which provides different channels when it comes to shopping and splitting payments on the marketplace.

The best among the methods it provides for payment plans is the virtual card that you can generate when logged into your app. There are two versions, the single-use (free) and the use-at-will (paid) but both work efficiently with Amazon.

 

Read more about Klarna

Another good way to enjoy pay-later purchases using this option is by installing its extension on a Chrome browser.

When you visit the Amazon website with the extension installed, it will prompt you to utilize your Klarna purchasing power at checkout and if selected, a virtual card will also be generated in your browser that you can paste on the payment page to complete the order.

The third method you can utilize to use the platform on Amazon is by shopping through the Klarna app.

Its mobile application has Amazon among the list of stores you can buy from directly and at checkout, you will only need to click the ‘Pay with Klarna’ button.

With Klarna, you can pay in 3 on Amazon or use the Pay in 30 days option, each can be selected when creating the virtual card.

With the Pay in 3 option, you can use up to a maximum of £2,500 while there is a limit of £600 for its Pay in 30 days plan.

Klarna has a minimum penalty fee of £5 which can rise up to 25% of your purchase value when you do not pay on time.

Clearpay

Clearpay

Max. Amount

£1,000

Length

Up to 6 Weeks

Type

Alternate


Tip: You can use Clearpay on Amazon by generating a single-use virtual card or purchasing a gift card from its collection.

 

Clearpay is a unique option you can also use in financing your purchases on Amazon through alternate channels.

The platform does not work on a monthly instalment model rather, you can utilize it to spread the costs through a bi-weekly payment for up to six weeks. 

 

Read more about Clearpay

Being one of the Amazon UK buy now pay later methods that utilize alternate channels for users to use their purchasing power, you have access to generate a virtual card to be used checkout when you are done shopping.

Alternatively, the platform also has variations of Amazon gift card denominations that you can purchase on a payment plan.

When using this option, note a late payment fee of up to £24 hence, you should ensure to avoid facing this penalty through on-time repayments.

Zilch

Zilch

Max. Amount

£1,000

Length

Up to 3 Months

Type

Alternate


Tip: To use Zilch on Amazon, you will need to pre-plan the transaction on the app by providing the value of your basket and once this is done, the virtual card details will be available to utilize in completing the payment.

 

Zilch is one of the best Amazon UK buy now pay later options which also utilizes a virtual card as the means to spread the cost of your purchases on the marketplace.

It works in a very unique way compared to the other providers because when used directly for payment, the connected debit card on your account will be charged in full upfront.

 

Read more about Zilch

To avoid this, you will need to pre-plan your transaction on the app before the purchase can be treated as an instalment.

There are two options you can select when setting up your Amazon transaction on the Zilch app; if the cart value is within £75, you will only be able to use the six weeks instalments option but if more than that, the Pay in 3 months plan will also be available.

One of the interesting reasons this platform is among the financing methods to utilize on Amazon is the rewards that come with it when you make payments upfront.

Called the Zilch Rewards, each time you pay in full using your virtual card, you can earn cashback of up to 5% of the amount spent.

Although the platform has no late payment fee, there is a finance charge of £3 every time you utilize your purchasing power for instalment purchases.

Curve Flex

Curve Flex

Max. Amount

£3,000

Length

Up to 12 Months

Type

Alternate


Tip: Flex is one of the benefits that comes with Curve and it works on a post-split model allowing you to convert eligible past purchases into instalments.

 

This service is very unique when compared to many of the other Amazon UK buy now pay later options on this list.

It is a bundled benefit of Curve and if you do not know what the platform does; it simply allows you to link all your credit and debit cards to a single Curve card.

 

Read more about Curve

With this one card, you will be able to use any of your debit or credit cards with ease even when you do not have access to them.

The amazing thing about Curve is the flexibility in changing the source of your payments as the platform allows you to switch where debit should happen from, including for past transactions that are not older than 120 days.

Flex is the feature the platform provides that can be used to spread your past payments with varying instalment plans that include 3, 6, 9 and 12.

To use this for Amazon purchases, you must first use the Curve Onecard for the payment and later, launch your app to convert it into a Flex plan.

Virgin Money Slyce

Virgin Money Slyce

Max. Amount

£3,000

Length

Up to 12 Months

Type

Alternate


Tip: Slyce by Virgin Money is another credit card add-on that will allow you to spread the costs of your past purchases into a monthly plan.

 

Slyce works similarly to Curve Flex as it is more on a post-transaction basis rather than before you start shopping.

It is added to this list of Amazon UK buy now pay later options for its generic support for all retailers, both online and when used at a physical retail station.

 

Read more about Slyce

With this, you will need to make your purchases and when your statement is available at the end of every month, you will have the option to either pay in full or spread the payments.

Virgin Money Slyce has different plans and shorter ones including the 3 and 6 months plans are interest-free while that of 9 months and 12 months requires monthly interest of 7.5% and 10% respectively.

There is no late payment fee when using this option but when this happens, your subsequent payments will be adjusted and your monthly instalment value will increase.

Monzo Flex

Monzo Flex

Max. Amount

£3,000

Length

Up to 24 Months

Type

Alternate


Tip: Flex by Monzo also works on a post-use basis, requiring you to do the transaction before you can convert it into an instalment plan.

 

Monzo is one of the popular online banks with financial products like savings, investments, accounts, and loans among others.

One of the interesting services that makes it a top choice among shopping enthusiasts is its Flex, a feature that lets you own a credit card that comes with cost splitting.

 

Read more about Monzo Flex

It works like some of the other post-transaction services in this list of Amazon UK buy now pay later options as it also requires the card to be used for payment before you can convert that into a Flex plan.

You will simply need to log into your Monzo app and select any past transaction within your Flex card page and you will have the option to spread the costs into varying plans like 3, 6, 12, and 24 months.

The three months plan is interest-free while the others have a representative APR of up to 29%.

It has no late payment fee but when you miss a due instalment, your plan will automatically change to the longest option available for the transaction.

Laybuy

Laybuy

Max. Amount

£720

Length

Up to 6 Weeks

Type

Alternate


Tip: (Laybuy has temporarily suspended the Amazon in-app option but you can try your card) To use Laybuy on Amazon for instalment plan orders, you will need to shop through its exclusive store list on the app and select Amazon to shop. At checkout, a virtual card will be generated to help you complete the payment. You can also attempt using your Laybuy card.

 

Laybuy is another well-known split payment provider you can utilize to spread the costs of your purchases on the marketplace. 

It operates on a weekly payment model and allows for instalments of up to six weeks when used online or at a physical retail location using any of the popular digital wallets.

 

Read more about Laybuy

As common to most of the alternate Amazon UK buy now pay later options on this list, you will have to rely on its virtual card.

There are two variations, including the type which you can generate when shopping within its app. Since Amazon is one of the merchants you can purchase from directly without leaving the Laybuy app, this may be a quicker route than the second channel it provides.

The other variation is available through your in-store tab and you can add it to your digital wallet, like that of Google, Apple, and Samsung for quick checkouts.

There is a penalty fee when you miss a payment using the Laybuy option which is £6 the first week and another £6 after 7 days. This can go up to £24 per order if you do not clear your due balance.

 

With this list of Amazon UK buy now pay later options, you should be able to get what you need without full upfront payment.

However, note that some have penalties for late payments and you should adhere to their respective contracts when utilizing any for instalment purchases.

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You are the first in our research hence, we rally around doing rigorous checks, testing and analysis to help you decide on products and services. However, Meedsy is not a lender, broker, bank, financial institution, or FCA-regulated hence, providers' final views are superior to ours and seek professional advice when in doubt.
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