Representative 29.9% APR variable

Whatever you're shopping for in Argos, the Argos Card is the only card you need. With buy now, pay later, a choice of pay monthly or a normal credit, you can spread the cost of everything you want. Take a look at the detail on each by selecting a tab below. Credit subject to status.

Credit subject to status.

With the Argos Card, no matter what you're buying you can have more time to pay. As you can see below, the more you spend the longer you'll have, with up to 12 months on selected items.

3 MONTHS
TO PAY
WHEN YOU SPEND OVER £50
6 MONTHS
TO PAY
WHEN YOU SPEND OVER £99
9 MONTHS
TO PAY
ON TV'S AT £299 OR MORE
12 MONTHS TO PAY ON TV'S AT £499 OR MORE
12 MONTHS TO PAY ON ANY FURNITURE ITEM £199 OR MORE
12 MONTHS TO PAYON JEWELLERY AT £250 OR MORE
12 MONTHS TO PAYON LARGE KITCHEN APPLIANCES £249.99 OR MORE
12 MONTHS TO PAYON FITTED KITCHENS
12 MONTHS TO PAYON SELECTED MOBILE PHONES £200 OR MORE
12 MONTHS TO PAYON XBOX & PS4 CONSOLES
12 MONTHS TO PAYON SPORTS EQUIPMENT £249.99 OR MORE
12 MONTHS TO PAYON ALL APPLE MACS
12 MONTHS TO PAYON DYSON VACUUMS
12 MONTHS TO PAYON SELECTED NESPRESSO PRODUCTS
12 MONTHS TO PAYON SELECTED CAMERAS & LENSES

Pay off a buy now, pay later plan by the due date and you pay no interest. Spread the cost further, then you pay interest on the whole balance from the purchase date, with a minimum monthly payment.

Buy now, pay later plansMore Info +

APRRepresentative 29.9% APR (variable) for all Buy Now Pay Later Plans

Your Interest Free PeriodBuy 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 PaymentNo 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 ExampleSpend £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.

Store card credit for Argos Ltd is provided exclusively by Home Retail Group Card Services Ltd, part of the same group and both at 489-499 Avebury Boulevard, Milton Keynes MK9 2NW.

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.

SO HOW DOES IT WORK?

1 SHOP AT ARGOS

Shop online, in-store, via the app or over the phone.

2 PUT IT ON YOUR ARGOS CARD

Various buy now, pay later plans are available depending on how much you spend. These range from 3-12 months.

3 Enjoy your plan

You can choose to pay nothing throughout the term of the plan, you can make some payments or even pay off your balance at any time before your plans ends. It's up to you.

4 At the end of the plan

Near the end of your pay later period, you'll receive details of what is left to pay. You can either pay the balance before the due date and pay no interest, or you can decide to spread the cost for longer meaning interest will be backdated to the date of your purchase and added to your balance. You will then begin paying a minimum monthly payment as detailed on your statements.

You can make fixed monthly payments over 24, 36 or 48 months, with no deposit, when you spend £199 or more. So it's easier to budget as you'll know how much you'll be paying each month. Plus, you'll know exactly when you've paid everything off in full.

Or pay monthly instead?
  • Make fixed monthly payments
  • Know exactly when your plan will be paid in full
  • Spread the cost with no deposit to pay
Representative Example for the Monthly Payment Plan:
When you borrow £300 on a Monthly Payment Plan at a fixed interest rate of 29.9% APR. The APR relates to the Argos Card as a whole and is variable. The interest rate for fixed payment plans will be fixed.
No. of months Amount per month Total payable
24 £16.24 £389.76
36 £12.16 £437.76
48 £10.20 £489.60
Representative 29.9% APR variable

*The APR relates to the Argos Card as a whole and is variable. The interest rate for the Fixed Payment Plans will be fixed.

Fixed monthly paymentsMore Info +

APR29.9% APR for the Fixed Payment Credit Plan. Representative 29.9% APR (variable) for all Fixed Payment Plans. The Representative APR for the whole Argos Card account is variable. Interest rates for fixed payment plans are fixed.

Your Interest Free PeriodThere is no interest free period with Fixed Payment Plans.

Your Minimum PaymentYou 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 for Late Payment fee, Returned Cheque fee, Returned Direct Debit fee, Over Credit Limit fee, Collections Letter fee and a Tracing fee.

A Representative ExampleFixed 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.

Store card credit for Argos Ltd is provided exclusively by Home Retail Group Card Services Ltd, part of the same group and both at 489-499 Avebury Boulevard, Milton Keynes MK9 2NW.

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.

SO HOW DOES IT WORK?

1 SHOP AT ARGOS

Shop online, in-store, via the app or over the phone.

2 PUT IT ON YOUR ARGOS CARD

Spend £199 or more in Argos and choose to spread the cost over 24, 36 or 48 months with no deposit to pay. Representative 29.9% APR variable

3 Make regular monthly payments

Begin to make your fixed payments each month, these will be included in the minimum payment amount shown on your statement.

4 At the end of the plan

At the end of the term, providing you have made all of your payments, your balance will be paid in full (including any interest)

Just like a credit card, you can shop using your Argos Card and you won't pay anything straight away. Instead you get up to 56 days to pay for every shop under £50 at Argos.

Up to 56 days to payWHEN YOU SPEND UNDER £50
Normal creditMore Info +

APRRepresentative 29.9% APR variable for all Normal Credit.

Your Interest Free PeriodUp to 56 days when you pay off your balance in full every month by the due date.

Your Minimum PaymentIs 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 ExampleSpend £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.

Store card credit for Argos Ltd is provided exclusively by Home Retail Group Card Services Ltd, part of the same group and both at 489-499 Avebury Boulevard, Milton Keynes MK9 2NW.

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.

SO HOW DOES IT WORK?

1 SHOP AT ARGOS

Shop online, in-store, via the app or over the phone.

2 PUT IT ON YOUR ARGOS CARD

If you spend under £50 at Argos, you will get normal credit.

3 Enjoy your plan

You will get up to 56 days to pay before you'll be charged interest. This depends on when you make your purchase and when your statement is produced. After his period you will be charged interest.

4 Your payments

Each month you will be sent a statement detailing your payment due date, balance, minimum monthly payment and any interest added to your account.

Got any questions?

Check out our most Frequently Asked Questions

1.5 MILLION PEOPLE BUY NOW, PAY LATER

Argos Card is growing in popularity every day and here's why...

  • I cannot imagine not having an Argos Card. I have 6 grandchildren and the card helps me give them birthday and Christmas presents without having to pay out all at once - thanks Argos.

  • If I see something I like and my paydays 2 weeks away I can get it straight away - it's very handy to have an Argos Card.

  • I can't see myself without my Argos Card it's the best friend you can have I buy everything for my kids using it.

  • I love my Argos Card anything urgent I always rely on my Card.

  • I can't see myself without my Argos card it's the best friend you can have, I buy anything for my kids and use buy now pay later plan in 12 or 6 months.

  • If I see something I like and my paydays 2 weeks away I can get it straight away and pay the sum off when I get paid very handy to have an Argos card.

All credit for Argos Ltd is provided exclusively by Home Retail Group Card Services Ltd, part of the same group and both at 489-499 Avebury Boulevard, Milton Keynes MK9 2NW. 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.