2. By entering VKEVZ in the promo code box at checkout your item will be put on 12 months Buy Now Pay Later automatically. We'll then credit 10% of the item price back to your account by 25th January 2024, or the dispatch date, whichever is later. We'll email you when we have applied the credit to your account.
Order must be placed online. If you return your item, the credit will be reversed. This can't be used in conjunction with other offers (entering any other promo code apart from VKEVZ in checkout will exclude you from this promotion). Offer live 7th - 14th December 2023.
What is Buy Now Pay Later (BNPL)?
BNPL is an interest-bearing option that allows you to delay payments on your purchases for up to 12 months depending on how much you spend. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).
The delayed payment period and qualifying minimum order value is subject to offer and your account status. If you are eligible for BNPL your offer details will be confirmed in checkout.
How is interest calculated?
Interest is calculated from date of order and compounded daily. The interest will be added to your account as a lump sum at the end of the delayed payment period. This means you will pay interest on interest.
How to avoid paying interest?
You can avoid all of the interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments. Making partial payments without clearing the cash price in full will reduce the amount of interest charged at the end of the delayed payment period.
Remember, if you choose not to pay the cash price before the end of the delayed payment period a lump sum of compound interest will be charged to your account.
How do I make a BNPL payment?
To make a full or partial payment simply log into your account. You can allocate your payment to the specific BNPL you wish to pay off. Alternatively, you can call us.
What happens after the delayed payment period?
If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest.
If you have not paid the cash price in full or have only made a partial payment, a lump sum of interest will be charged to your account. Any outstanding balance plus the interest will now become payable.
As the outstanding balance, plus the interest now form part of your payable balance they will attract interest at your account rate, meaning you will pay interest on interest. This will be included within your account minimum payment request every month and cannot be repaid using Take 3.
What is excluded from BNPL?
The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.
Do I still have to pay my monthly minimum payment?
Yes, allocating payments to BNPL will not cover the minimum payment on your account. If you have a non-BNPL balance, you will still need to make at least your minimum payment as shown on your statement.
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