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Studio Pay and Shops That Accept It for Financing

Studio Pay is a credit account you can utilize for instalment payments at several Frasers Group companies.

Alongside Frasers Plus, this is one of the top financing methods when shopping at Studio, Sports Direct, Flannels, USC, and many of the group’s brands.

With features like promotional interest-free offerings and long-term plans, this can be a convenient way to spread the cost of your orders into monthly instalments at well-known retail platforms.

Studio Pay

Studio Pay

Max. Amount

£1, 000

Credit Check




Tip: It assigns a line of credit that can be used for up to 18 months in instalments. While there is an APR of 39.9%, you may be able to avoid this for a certain period (up to 9 months) through the Interest Saver programme.


Having many popular companies operating online and through thousands of physical stores, Frasers Group is a top conglomerate, especially within the clothing industry.

To enable customers to enjoy the convenience of differing upfront payments, it offers two buy now pay later options that can be utilised at most of its brands in the UK.


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While the Studio Pay credit account is specifically built to be used online, Frasers Plus is an alternative option for online and offline purchases.

It was originally for handling payment plan catalogue shopping for Studio. It has been upgraded to a checkout method also available on other platforms like Flannels, Sports Direct, House of Frasers, and more.

When you select the Studio Pay option for an instalment plan, you will be able to spread the cost of your purchases for up to 18 months if approved.

A representative APR of 39.9% applies when using it but you may enjoy an interest-free period through the Interest Saver offer.

The Interest Saver length varies depending on the product you want to buy and can be for 3, 6, or 9 months. When offered this, the minimum monthly amount on your statement must be paid before the due date to avoid the interest.

It operates as a line of credit hence, there is a hard inquiry when you apply. It will be recorded on your bureau file and can be viewed by other lenders.

Studio Pay reports to the major credit bureaus and depending on how you use the platform, it can have a positive or negative impact.

There is a late payment penalty fee of £12 if you miss any due instalment. However, a freeze can be requested when unable to make on-time payments due to financial difficulty.

Shops that Accept Studio Pay Credit Accounts

The below retailers accept Studio Pay credit accounts for payment plan purchases:



It offers a range of products including fashion, homeware, electronics, toys, and gifts.


The platform is known for its catalogue and Studio Pay was created to enable its users to access financing for essential items without the burden of upfront payments.

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While it has stopped printing catalogues, its mobile app and website have a good collection of products well-structured in an easy-to-buy interface hence, friendly for shopping.

Irrespective of where you utilised the Studio Pay option for order financing, your account can only be managed through the Studio/Ace portal or its mobile app.



You can access a collection of designer clothing, footwear, and accessories for men, women, and children when shopping on the platform.

House Of Fraser

House Of Fraser

One of the popular companies under the Frasers Group. With its good network of physical stores and huge online presence, you can purchase items like clothing, electronics, furniture, sports and fitness, and others on the platform.


It is one of the shops that accept Frasers Plus and Studio Pay, allowing its customers to have alternatives at checkout for payment plan purchases.

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Note that you cannot use Studio Pay when you visit any of its physical stores as the option is only available for financing on its website.



With a robust online collection of clothing, footwear, beauty, home goods, and jewellery items, Flannels is a favourite for so many shoppers.



This brand is an extension of House of Frasers and operates fully online. It has products in categories that include fashion, beauty, homeware, and others.

I saw It First

I saw It First

It is a well-known women-focused online fashion brand known for its trendy clothing, lingerie, and footwear collection.



This brand deals in skiwear, snowboard clothing, and accessories designed for harsh mountain conditions. Its products include different jacket designs and pants, skating shoes, helmets, gloves, and others targeting adventurers.

Sports Direct

Sports Direct

One of the popular brands within the Frasers Group. The platform specialises in sports apparel, footwear, equipment, and accessories.


While it has many physical stores spread across cities in the UK, in-store financing is not available for Studio Pay account holders. However, there is support for buy now pay later purchases through Frasers Plus when you visit any Sports Direct outlets close to you.



A destination for urban and contemporary fashion offering a range of clothing, footwear, and accessories. Its items are categorised into men, women, and kids with the outlet section housing promotional offers.



Another contemporary fashion retailer with a curated selection of premium streetwear and designer clothing from brands like Nike, Addidas, New Balance, Asics, Birkenstock, Stone Island, and others.

Evans Cycles

Evans Cycles

It specialises in bicycles, accessories, and related equipment with its products catering to cyclists. You can also purchase scooters and skateboards when shopping on its website.

Jack Wills

Jack Wills

This retailer is known for its preppy and collegiate-inspired clothing, accessories, and lifestyle products.


From hoodies, mini dresses, and footwear, to many others, it has a good collection you can purchase from.

There is also a homeware category with items like water bottles, diffusers, travel bags, and more when shopping on the platform.



It caters to athletes, fitness enthusiasts, and outdoor adventurers with products including sports gear, leisurewear, fashion apparel, and lifestyle products.



From iconic sportswear labels to trendy urban brands, this retailer offers a mix of established names and emerging designers in clothing, footwear, and accessories.



It is a multi-channel retailer offering a range of products across various categories, including fashion, homeware, electricals, toys, sports and leisure, and gifts.


The platform is also an extension of Studio with its online catalogues housing essential items you can buy and pay later on a monthly contract through your Studio Pay credit account.

Studio Pay Requirements


To be eligible for a credit account, you will need to satisfy the below minimum requirements:

  • You must be a resident of the UK
  • Have a verifiable source of income with at least £7,500 in monthly earnings
  • A valid UK phone number is required
  • Meet the minimum age limit of 18 years

Studio Pay vs Frasers Plus


Both are the popular options you will see when shopping online at any of Frasers Group brands in the UK.

Studio Pay and Frasers Plus are credit accounts but while the former is only for online financing, the latter can be used online and for store walk-in purchases.

In terms of length, Frasers Plus offers more with its 36-month instalment plan higher than the maximum of 18 months available when using Studio Pay.

Despite their few differences, they share similarities as both are within the same group hence, you can alter between them when in need of financing at where they are accepted.

How to Pay Your Studio Credit Account Bill


The platform provides different methods for clearing your bills. These include:


This is for debit and credit payments. To use this:

  • Log in to your Studio Pay dashboard and click the ‘My Account’ option
  • Once the page is loaded, select the ‘Make a card payment’ button
  • Enter the correct details of your credit or debit card and submit
  • Click the ‘Pay Now’ option to complete the process


Pay by Phone Call

You can also clear your bills through a phone call. Below are the steps involved:

  • Call 0371 376 5680 (available 24/7)
  • Follow the prompts and provide your card details
  • Once provided, you will be asked to ‘Pay Now’ and if you proceed, the debit will be initiated to your payment source


Direct Debit

This option enables you to connect your bank account for automated repayments. You can call the Studio support team on 0371 376 5680 for set-up.


Bank Deposit

You can also pay your Studio bills at the bank. Here are the steps:

  • Visit a bank and present your bank giro slip (this is sent alongside your paper statement)
  • The attendant will stamp the slip and give you Part B which is your copy as evidence of payment

** Bank deposit can take more days to reflect and if your payment is due soon, it may not be the best option.



The other method you can use to make your payments is through mail. You simply need to fill in the bank giro slip and attach a cheque or postal order which can be mailed to Studio office address.

Using this can also take more days to reflect hence, opt for it if you are unable to use the other faster methods.

Frequently Asked Questions on Studio Pay


Below are some of the questions to let you understand how your credit account works:

What is Studio Pay?

It is a credit account that will enable you to spread the payments for your orders at select Frasers Group brands, including Sports Direct, Flannels, Studio, USC, Evans Cycles, and others.

Does Studio Pay check credit?

Yes, applying for a payment plan using it involves a credit check.

The platform will conduct a hard inquiry which will be visible on your credit report when other financial service providers review it.

How many times can I use Studio Pay?

There is no limit to how many times you can use it for order financing as long as your available credit can handle new purchases.

However, you will not be able to place new orders if you are on a payment freeze.

Does Studio Pay affect your credit?

Yes, it can have a temporary impact if you apply because of its hard inquiry.

It also reports activities to the major credit bureaus hence, early payments can help improve your credit score while non-payments can have a negative effect.

How many payments is Studio Pay?

When using it for financing, you can spread payments for up to 18 months.

It has different plans, including 3, 6, 9, 12, and 18 months.

What is Studio Pay’s credit limit?

While most customers will start at a minimum of £100, there is a maximum limit of £1,000 in credit that can be granted per user.

Can I pay off Studio Pay early?

Yes, there is no penalty to pay off your active purchases early.

Below are steps that can be taken when you want to make payments:
1. Log in and select ‘My Account’
2. Once the page opens, click the ‘Make a card payment’ option
3. In the populated form, add your debit or credit details
4. Once added, select ‘Pay Now’ to pay the full cost

After payment, it may take up to 2 days for changes to reflect on your profile.

Is Studio Pay interest-free?

Yes, you can enjoy interest-free financing if your order is within the Interest Saver plan, usually for instalments within the length of 3, 6, and 9 months.

For others, especially the longer terms of 12 and 18 months, you will need to pay interest at a representative APR of 39.9%.

What is Interest Saver?

It is a promotional offer that does not require you to pay interest on your Studio Pay purchases for a certain period, usually between 3 to 9 months.

If you are eligible, you must pay the required minimum amount on your statement before the due date to keep the offer active otherwise, it will be reverted to 39.9% APR representative.

Can I pay Studio by phone?

Yes, you can make your payments through a phone call by dialling 0371 376 5680.

Is Studio Pay legit?

Yes, it is legit to use in handling your purchases. The option is provided by Studio Retail Trading Limited, a company regulated by the Financial Conduct Authority with the reference number 993445.


Despite being available to use online at select retailers, there is no doubt Studio Pay is worth it considering you may be eligible for its Interest Saver for months at no extra cost at many popular brands.

While enjoying it for payment plan shopping, commit to early payments and avoid delay which will help you avoid paying a penalty fee and the option affecting you negatively.

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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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