Argos Card...
Pay Nothing until 2014. Plans start at just £50.
Buy now, pay later on everything with your Argos Card. And, if you're spending a little more, enjoy nothing to pay for longer! We've also got 2 years interest free credit when you buy any fitted kitchen on an Argos Card.
| Spend | Pay Nothing period |
| Up to £49.99 | Up to 56 days |
| £50 or more | 3 months |
| £99 or more | 6 months |
| £299 or more on anything | 9 months |
| £299 or more on any television | 9 months |
| £199 or more on any item of furniture | 12 months |
| £249 or more on any large kitchen appliance | 12 months |
| £250 or more on any jewellery item | 12 months |
| When you buy any fitted kitchen | 2 years interest free credit |
If you pay off the cash price by the due date, there won't be any interest to pay either. If you choose to spread the cost over a longer period, interest will be calculated on the balance from the date of purchase at representative 29.9% APR variable.
With Interest Free Credit plans, you only ever pay the cash price with no interest - ever.
So, what are you waiting for? Apply now
Please note : If you shop with your Argos Card in Argos, you can take advantage of the Buy Now, Pay Later Plans that Argos offers. If you use your Argos Card in Homebase, you’ll get Homebase Buy Now, Pay Later Plans.
Spread the cost with fixed monthly payments
Why wait for the things you want? Our monthly payment plans lets you buy today and pay monthly with the Argos Card. Just spend £199 or more and spread the cover over 24, 36 or 48 months.
Check out the table below to see what you could be paying each month
| Representative examples | 24 months at  |
36 months at |
48 months at |
|||
| If you spend | Monthly amount | Total payable | Monthly amount | Total payable | Monthly amount | Total payable |
| £200 | £10.82 | £259.78 | £8.11 | £291.96 | £6.80 | £326.32 |
| £300 | £16.24 | £389.66 | £12.16 | £437.94 | £10.20 | £489.47 |
| £400 | £21.65 | £519.55 | £16.22 | £583.92 | £13.60 | £652.63 |
| £500 | £27.06 | £649.44 | £20.27 | £729.90 | £17.00 | £815.79 |
*The APR relates to the Argos Card as a whole and is variable. The interest rate for the Fixed Payment Plans will be fixed.
Apply now or call 0845 640 0701.
Buy Now Pay Later Plan
| Your APR | Representative 29.9% 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 your monthly minimum as detailed in your terms and conditions. |
| 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 Representative Example | Spend £199 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 £199. Or choose to spread the cost for longer, and start paying the monthly minimum as detailed in your terms and conditions, plus any charges incurred. Your balance includes deferred interest from the purchase date. Credit is provided by Argos Card Services, Thynne Street, Bolton, BL11 1AS |
Fixed Payment Plan
| Your APR | 29.9% APR for the Fixed Payment Credit Plan. Representative 29.9% APR (variable) for all Fixed Payment Plans. |
| Your Interest Free Period | There is no interest free period with Fixed Payment Plans. |
| Your Minimum Payment | You will be given an indicative monthly payment when you choose this plan, this will also be confirmed on the order confirmation. You will receive a letter giving the exact payments once your order has been processed. |
| 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 £12.00 and they include Late Payment fee, Returned cheque fee, Returned Direct Debit fee, Over Credit Limit fee, Collections letter fee and a Tracing fee. |
| A Representative Example | Fixed Payment Plans are available on selected products. If you spend £450 your approximate monthly payment will be £18.25 over 36 months, APR 29.9% the total amount repayable (approximate) will by £656.91. The exact amounts depend on your Argos Card statement date. Credit is provided by Argos Card Services, Thynne Street, Bolton, BL11 1AS |
Normal Plan
| Your APR | Representative 29.9% APR (variable) for all Normal Plans. |
| Your Interest Free Period | Up to 56 days when you pay off your balance in full every month by the due date. |
| Your Minimum Payment | Is detailed in your terms and conditions. |
| 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 Representative Example | Spend £49 on a Normal Plan and then settle the balance by the due date. Total payable £49. Or choose to spread the cost for longer, and start paying the monthly minimum as detailed in your terms and conditions, plus any charges incurred. Your balance includes interest from the purchase date. Credit is provided by Argos Card Services, Thynne Street, Bolton, BL11 1AS |
Interest FREE Plan
| Your APR | 0% APR on all Interest FREE Plans. Representative 29.9% APR variable. |
| 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 Representative 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 Argos Card Services, Thynne Street, Bolton, BL11 1AS |
All credit is provided subject to status, by Argos Card Services Ltd, Thynne Street, Bolton, BL11 1AS. Terms and conditions apply, please see our website for details. In relation to Storecards, Argos Limited works exclusively with Home Retail Group Card Services Limited. Both Argos Limited and Home Retail Group Card Services Limited are part of the Home Retail Group.
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.
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