You can use many buy now pay later options on Currys, with the Your Plan enabling up to 36 months in instalments.
Getting top electronics for the home or office requires paying a high amount at times which may be inconvenient for other needs hence, opting for payment plans reduces the burden.
Interestingly, Currys supports checkout financing which you can use online and when you visit any of its physical retail locations for electronic purchases.
Top Currys Buy Now Pay Later Options for Instalment Plans
Below are the best payment plan options you can use for financing your purchases at Currys:
Your Plan
Max. Amount
£5,000*
Length
Up to 36 Months
Type
Direct
Tip: Your Plan has different options, including an interest-free up to 12 months BNPL method and a long-term plan of up to 36 months that has a representative APR of 29.9%.
Your Plan is a flexible credit account available through the platform’s partnership with Creation Finance.
It is the most used Currys buy now pay later option available directly when you want to make payment on its portal, including while shopping in-store.
Before you will be able to utilise this at checkout, your cart value must be up to a minimum of £99.
There is a spending limit for new customers and depending on your credit score and other factors determined by Creation Finance, you may not be able to access more than £5,000.
When you select the BNPL option for splitting the cost of your electronic purchases between six to twelve months, it is interest-free provided you pay your expected amount before the due date monthly.
However, the longer plan of 18 months up to 36 months comes with extra cost, with the representative APR being 29.9%.
Your Plan involves a hard credit inquiry but before you use it, there is an eligibility checker you can utilize to know if you will qualify without affecting your bureau record.
PayPal Pay in 3
Max. Amount
£2,000
Length
Up to 2 Months
Type
Direct
Tip: To use PayPal Pay in 3 on Currys, simply select PayPal at checkout for online (delivery) orders and after you log in to your account, you will see the Pay in 3 option.
PayPal Pay in 3 can be used for Currys buy now pay later financing through an instalment plan for up to two months.
With this option, the first payment is due on the date of the order with others expected monthly in a total of three instalments.
This method requires a minimum cart value of £30 but you will first need to log into your PayPal account to see the option as it is not indicated when making payments on the website.
Note that PayPal Pay in 3 is only available for online-to-home orders. If you select in-store pick-up, you will not be able to utilize it.
It is also interest-free and depending on the soft credit check on your profile, you can be offered up to a maximum of £2,000 in purchasing power.
PayPal Credit
Max. Amount
Varies
Length
Up to 12 Months
Type
Direct
Tip: This is another credit-based financing you can use to enjoy payment plan purchases on the Currys portal and like the Pay in 3, you will need to log in to your PayPal account to see the option.
With up to 12 months in monthly instalments, PayPal Credit is one of the best long-term Currys buy now pay later options.
This is different from the short-term Pay in 3 but you will also need to log in to your account to utilize it for financing your purchases.
Since it is a line of credit, there will be a hard inquiry when you apply and if approved, a minimum cart value of £99 is required.
One of the reasons this may be a better option than the Pay in 3 is unlike the interest-free two-month plan, you can enjoy spread payments with no extra charge in interest for up to four months when you opt for PayPal Credit.
However, a representative APR of 23.9% will apply after the first four months.
Just like Pay in 3, using PayPal Credit for financing on Currys requires the order to be a home delivery and not for walk-in pick-up.
Klarna
Max. Amount
£2,500*
Length
Up to 2 Months
Type
Alternate
Tip: You can use Klarna online and when you visit any Currys location through its virtual card. Other options include the browser extension, gift card, and shopping in-app.
Klarna is one of the top Currys buy now pay later options that utilizes secondary channels for shopping and financing.
Its Pay in 3 works similarly to that of PayPal and with it, you can spread the cost of your electronic purchases for up to two months starting from the day of the order.
Unlike the first three options, you cannot access it directly at checkout on the website but rather, you will need a virtual card that can be generated on the Klarna platform.
There are two ways to get this payment card, either you go to your user dashboard or simply utilise the Klarna Chrome extension.
The latter may be a better option as you can do your shopping and checkout seamlessly by clicking the Klarna button at the top of your screen (after installing the extension).
You can also shop in-app by searching Currys from the list of stores when you are on your Klarna app.
The other channel it provides for utilising your purchasing power is the gift card inventory. You can get that for Currys to use online.
Clearpay
Max. Amount
£1,000
Length
Up to 6 Weeks
Type
Alternate
Tip: Clearpay can be used for shopping on the Currys portal through its virtual card or by purchasing a gift card.
This is another popular method on this list of Currys buy now pay later options, thanks to its available alternate financing channels.
Clearpay works differently from many of the other methods in terms of the plan length as you can use it to pay in four through a bi-weekly instalment.
Just like many, you can also generate a virtual card that can be used to checkout on the Currys website.
Alternatively, Clearpay has one of the best inventories of gift cards from where you can also purchase varying denominations to enjoy buy now pay later shopping on Currys.
Laybuy
Max. Amount
£720
Length
Up to 6 Weeks
Type
Alternate
Tip: While Currys is temporarily unavailable on the Laybuy app, you can utilize its card in-store by connecting it to a digital wallet.
It is another option you can utilize for Currys buy now pay later shopping but unlike others, its repayment is every week.
If you have purchasing power assigned on Laybuy, generate a virtual card which can be connected to any of the popular digital wallets like Google Pay and Apple Pay for checkout at a Currys outlet.
It was previously possible to shop Currys directly when browsing through the Laybuy app but this feature is temporarily suspended hence, only the virtual card option is available for now.
An amazing feature of Laybuy is its Boost, this will enable you to buy and pay for items more than your available limit but in such a case, your first instalment will be higher than the subsequent payments.
Using this option is interest-free but there is a fee of up to £24 for late payments.
Zilch
Max. Amount
£1,000
Length
Up to 3 Months
Type
Alternate
Tip: You can use Zilch for payments on the Currys website as well as when you visit any of its store locations through its virtual card but before the transaction, it has to be pre-planned on the app.
Zilch is one of the popular buy now pay later service providers with support for both online shopping as well as when you visit a physical retail location.
Known for its unique virtual card that combines the features of a debit and credit card with the former being its default behaviour hence, when used, your bank account will be deducted directly.
To utilise Zilch for payment plan purchases on the Currys website, your transaction needs to happen from its app where you are required to specify the value of your cart and a card will be generated that can be used to complete the order.
The process is similar to in-store shopping but unlike online, the generated virtual card has to be connected to a digital wallet for checkout.
You have two plan options when using Zilch for spread payments including the bi-weekly instalment of up to six weeks and the long-term up to three months financing.
The plan you can use depends on the value of your order with the minimum for the three months being £75 otherwise, you will be offered the pay in six weeks option.
A reason you might want to consider Zilch for Currys buy now pay later shopping its Up program that helps build credit score while using the service for financing your purchases.
Curve Flex
Max. Amount
£3,000
Length
Up to 12 Months
Type
Alternate
Tip: With Curve Flex, you will be able to convert purchases made at Currys into buy now pay later expenses as it works on a post-transaction basis.
This option requires an account with Curve, a very unique service that enables the use of all your debit and credit cards through a single card.
It makes it convenient to manage all your payment cards as you do not need to carry them every time or remember their details. With a profile on the platform, all you need is one card that can deduct funds from any of your connected cards (debit and credit) when needed.
To utilize Flex for Currys buy now pay later financing, your Onecard has to first be used to settle the payments and later, you can convert it to a split purchase.
It is an interesting service with the ability to make smart rules to charge your debit or credit cards differently depending on the payment category, order value, and more.
The Curve Flex option has varying plans, including 3, 6, 9, and 12 months in instalments plus you enjoy cashback on your expenses.
There is a representative APR of 14% when using this for payment plan purchases.
Virgin Money Slyce
Max. Amount
£3,000
Length
Up to 12 Months
Type
Alternate
Tip: Slyce is also an after-transaction option which requires you to have a Virgin Money credit card to utilize it.
It works similarly to Curve Flex if you want to utilize it for buy now pay later shopping online and at any Currys’ physical location.
Slyce is bundled into one of the features that comes with the Virgin Money credit card and it requires a minimum purchase amount of £30 to convert any transaction into an instalment plan.
There are four plans including the interest-free pay in 3 months option.
However, the others like 6, 9, and 12 months have varying fixed monthly interest rates of 5%, 7.5%, and 10% respectively.
If you are currently a Virgin Money cardholder, this service may be available to you already through your transaction history. For new users, you will first need to apply for the credit card.
Monzo Flex
Max. Amount
£3,000
Length
Up to 24 Months
Type
Alternate
Tip: To use Monzo Flex, you will need to have its current account to be eligible. The first three months are interest-free, with a representative APR of 29% after that.
You can also use your Monzo account for Currys buy now pay later shopping, thanks to the Flex credit card available to its eligible current account holders.
This option comes with a virtual card that can be used online or connected to one of the digital wallets for in-store checkout with the physical version bringing convenience when you visit a physical retail store.
By default, your full payment is expected on the date specified on your credit card statement.
You can decide to extend it through a longer plan, including varying options for 3 months (no interest), and 6 to 24 months at an APR of 29% representative.
With many service providers having options you can use to enjoy Currys buy now pay later financing, you should be able to get the electronics you need without the worries of having to pay so much upfront.
However, these platforms have different terms and you should understand what applies regarding an option selected before using it to settle your payments.
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