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Argos Card Credit Plans

Shop at Argos with flexible credit plans that give you longer to pay. Representative 34.9% APR Variable.

Apply for the Argos Card

Representative 34.9% APR variable

Pay later at Argos and Habitat with our flexible credit plans. Plus, buy your everyday shop and fuel at Sainsbury’s using Normal Credit and get up to 56 days to pay on the Argos Card.
Check your eligibility for the Argos Card without impacting your credit score.

Shop with the Argos Card

Pay no interest

  • When you spend £50+ and pay your full balance within 3 months.

  • On furniture and floorcare £199+ when you pay your full balance within 12 months.

  • On products £299+ when you pay your full balance within 12 months.

Representative 34.9% APR variable 
With the Argos Card, no interest will be charged if you pay in full within your credit plan 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 purchase.

Manage your Argos Card account

Already got the Argos Card?

From making payments, to changing your contact details, it's quick and easy to keep on top of your finances with the Argos Card App.

Want to learn more?

Credit Scores

Being a grown up is hard. While credit scores might seem dull, getting your finances in shape is a really important life admin task to tick off the list. We've pulled together some info with Sainsbury's Bank to make it all a bit easier to understand.

A to Z of finance terms

What on earth does that mean? Some abbreviations, institution names and definitions in the banking and finance world can be confusing. We've brought together a glossary of words to help simplify the small print and untangle the T&Cs...

Need more info? Here are some quick links...

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.

A laughing family sit on a sofa with laptops.

Accidents happen...

Protect your new stuff with one of our Argos Care policies* and get extra cover in addition to your standard manufacturer's guarantee.

T&Cs and exclusions apply


*Provided by Domestic & General Insurance PLC.

Don't miss out

You can collect and spend Nectar points at Argos.

Argos Limited is authorised and regulated by the Financial Conduct Authority as a credit broker (713206), and works exclusively with the lender, Home Retail Group Card Services Limited trading as Argos Card and Argos Financial Services, who are authorised and regulated by the Financial Conduct Authority to provide credit (716148). Home Retail Group Card Services Limited is registered in England (04007072) at 33 Holborn, London, United Kingdom, EC1N 2HT.

Spread the cost on your Argos shopping with the Argos Card. Spend over £50 to choose from one of our standard credit plans or check out our special offer credit plans. These are time-limited credit offers available on top products including phonesfurniture and vacuum cleaners.

The Argos Card allows you to buy now, pay later and it’s easy to manage your account with the Argos Card App. So, if you need a new washing machine, want to shop the latest looks from Tu Clothing or are on the hunt for the latest gaming PC, apply for the Argos Card online.

Credit subject to status. T&Cs apply. Representative 34.9% APR variable.