Argos Card credit options

With a Buy Now Pay Later plan, we charge no interest if you repay everything by the time the plan ends.

With normal credit, we charge no interest if you repay everything by your next statement date. We’ll tell you what you owe and when you need to pay it on your monthly statement.

Choose a plan

About interest charges

No interest will be charged if you pay in full before the end of the Pay Later period and keep your account up to date.

If you don’t pay in full, you’ll be charged interest on any balance remaining at the end of the plan. This interest will be backdated to the date of the purchase. Paying as much as you can before the plan end will reduce the amount of interest that you pay.

How we treat our customers

We treat all our customers and their applications on an individual basis. The APR we offer is determined by the details you supply and the credit you are applying for, along with an independent verification of your credit and repayment history.