Argos Card...
Pay up to 9 months Later
This Christmas we have two great credit deals for you.
If you’re spending just £90 or more, you can Pay 6 months Later if you put it on an Argos Card. If you’re spending £285 or more then you can Pay 9 months Later. It only takes a couple of minutes to apply, then you can make the most of our latest BUY NOW PAY LATER deals right away online, with the Argos Card.
If you're accepted, we'll also send you some exclusive money off vouchers with your card for you to use in store.
Apply Now!
Apply online today and get an instant decision - once your application has been approved you can even buy online today using your new Argos Card. Why not apply and buy online now, its's easy:
- Add products to your trolley and select the 'Get great Argos Card credit deals' option.
- Complete application - it only takes a couple of minutes*.
- If accepted, use your new Argos Card to pay later!
Buy Now Pay Later deals
Buy now, pay up to 59 days later, when you spend, anything
Buy now, pay up to 6 months later, when you spend, £90 or more
Buy now, pay 9 months later, when you spend, £285 or more
Buy now, pay 12 months later, available of selected ranges
2 years 0% APR interest free credit, available of selected ranges
So don't delay, apply today - and get an instant decision.*
Or call 0845 640 0701 if you prefer.
FAQs - Your questions answered here
*Our aim is to give every online applicant an instant decision. On certain occasions, we may be unable to give you a decision straight away. It may be necessary to gather more information or to check other systems so we may have to let you know in writing, usually within 7 - 10 days.
| Interest FREE Plan | |
|---|---|
| Your APR | Typical 0% APR for all Interest FREE Plans. |
| Your Interest Free Period | You pay no interest for the full term of the plan. |
| Your Minimum Payment | Your monthly payment is calculated by dividing the amount of credit by the number of months of the term of the plan. |
| Annual Fees | £0. There is no annual fee for the card. |
| Other Fees | £0 if you pay on time. Fees are charged at a rate of £12 for Late Payment fee, Returned Cheque fee, Returned Direct Debit fee, Over Credit Limit fee, Collections Letter fee and a Tracing fee. |
| A Typical Example | Spend £1,200 on a 12 month Interest FREE plan and pay 12 repayments of £100. Total payable £1,200. Credit is provided by Home Retail Group Card Services Ltd, Royal Avenue, Widnes, WA88 1AL. |
| Buy Now Pay Later Plan | |
|---|---|
| Your APR | Typical 27.9% APR (variable) for all Buy Now Pay Later Plans. |
| Your Interest Free Period | Buy Now Pay Later Plans (up to 12 months) offer specified periods to opt out of interest. Deferred interest will be payable if you do not pay the balance by the due date. |
| Your Minimum Payment | No repayments are necessary during the Buy Now Pay Later Plan period, except for any insurance premiums which are due on the balance. After that you pay 4% of the balance each month or £2 (whichever is the greater). |
| Annual Fees | £0. There is no annual fee for the card. |
| Other Fees | £0 if you pay on time. Fees are charged at a rate of £12 for Late Payment fee, Returned Cheque fee, Returned Direct Debit fee, Over Credit Limit fee, Collections Letter fee and a Tracing fee. |
| A Typical Example | Spend £190 on a 6 month Buy Now Pay Later Plan and you don't have to pay anything for up to 6 months (although you can begin earlier if you wish) then settle the balance by the due date. Total payable £190. Or choose to spread the cost for longer, and start paying the monthly minimum of 4% of the balance or £2, whichever is the greater. Your balance includes deferred interest from the purchase date. Credit is provided by Home Retail Group Card Services Ltd, Royal Avenue, Widnes, WA88 1AL. |
| Normal Plan | |
|---|---|
| Your APR | Typical 27.9% APR (variable) for all Normal Plans. |
| Your Interest Free Period | Up to 59 days when you pay off your balance in full every month by the due date. |
| Your Minimum Payment | 4% of the balance each month or £2 (whichever is the greater). |
| Annual Fees | £0. There is no annual fee for the card. |
| Other Fees | £0 if you pay on time. Fees are charged at a rate of £12 for Late Payment fee, Returned Cheque fee, Returned Direct Debit fee, Over Credit Limit fee, Collections Letter fee and a Tracing fee. |
| A Typical Example | Spend £100 on a Normal Plan and then settle the balance by the due date. Total payable £100. Or choose to spread the cost for longer, and start paying the monthly minimum of 4% of the balance or £2, whichever is the greater. Your balance includes interest from the purchase date. Credit is provided by Home Retail Group Card Services Ltd, Royal Avenue, Widnes, WA88 1AL. |
