Spread the cost 24.9% APR Representative (Variable)Credit available on purchases from £99. Exclusions apply. Credit subject to status. Currys Group Ltd acts as a credit broker and not as a lender. Credit is provided by Creation Consumer Finance Ltd. Both Currys Group Ltd and Creation Consumer Finance Ltd are authorised and regulated by the Financial Conduct Authority.
- Why spread the cost?
- How to apply
- Your credit account
- Latest offers
Buying using Flexible Credit
How do I apply for Flexible Credit?
To apply for an account on an online order, choose ‘Flexible Credit’ in checkout and follow the on-screen instructions.
To apply in-store speak to one of our colleagues who’ll do it there and then for you.
You can get pre-approved online
How much do I need to spend to pay using Flexible Credit?
Why are there different interest rates?
Why was I given a higher interest rate than the one advertised?
What happens next when I’ve been referred?
Do I need to pay a deposit?
Your credit account
How do I access my account?
When your application for a Your Plan credit account is accepted, you’ll be sent an email asking you to register at the Your Plan website. This is where you can manage your account, view all your purchases, change your payment plan, make additional payments, or pay in full at any time at no extra cost.
Alternatively you can register your account by going to the website https://account.curryspcworldyourplan.co.uk/register/ and following the instructions. For your security, you will be sent a code to the email account and mobile number that you used when you first applied for Your Plan.
Where can I use my credit account to shop?
Are there certain items or services that can't be paid for on credit?
Yes, some things can’t be paid for on credit. These include items on our website marked ‘ONLINE ONLY’, software downloads, pay monthly Care & Repair plans, collections and order & collect purchases.
Gift cards can not be used towards flexible credit purchases when you purchase online.
I’ve bought a phone, why are 2 direct debits being taken from my bank account?
Where can I find my Credit Agreement?
How do I shop again using credit?
To shop again with Your Plan credit account online, choose ‘Credit’ in checkout for orders with a purchase value of £99 or over, then sign into the Your Plan account and set up a new credit plan.
If you're instore, simply let a colleague know and they’ll do it all for you.
How do I get a refund for a credit purchase?
To get a refund on a Your Plan credit account purchase, please return instore purchases to store. For online purchases, you may be able to use an online form or contact us. View our Returns & Refunds page for more details.
Our stores are unable to process a return when you have paid online with Your Plan Credit. View our Returns & Refunds page for more details.
If you wish to cancel a Your Plan credit agreement and keep your purchase, then please contact Creation Services.
Who should I contact to discuss details on my account, including payments?
Creation Consumer Finance, are the credit lender and they manage the Your Plan credit accounts. Please log onto your account, to make payments and view FAQ’s that may help answer your questions. If you still need to speak to someone you can call Creation on 0371 376 9318 to discuss your account and ways in which they may be able to support you at this time.
The opening hours are: Monday - Friday: 8:30am – 5.30pm Please note due to the impact of COVID-19, you may experience extended waiting times
The Your Plan webform now live on the Creation website https://www.creation.co.uk/coronavirus/yphimp will also allow the business to manage forbearance requests via this route and as such help by removing the requirement for customers to call in unless urgent.
'Buy now, pay later' & interest-free credit products
How does 'buy now, pay later' work?
We sometimes have a ‘buy now and pay later’ option on certain products. It’s a great way of getting the tech you want today.
If you pay your full credit balance by your agreed end date, you will pay no interest on your purchase. Should you choose not to make the payment in full before the end of your Buy Now Pay Later period, you may make partial payments towards the amount. Any payments that you may make towards this amount by the end of the Buy Now Pay Later period will not incur any interest. Any balance left to pay after this date, will incur interest from the date of your purchase at 24.9% APR Representative (variable).
Two months before your Buy Now Pay Later period ends you’ll receive a reminder letter or email, reminding you of your repayment options.
Please note it takes a minimum of five working days for us to process payments, and that all payments must be processed by us before your Buy Now Pay Later period ends to ensure you don’t pay interest on that payment.
What is interest-free credit?
How do I apply for interest-free credit?
Who are Creation Consumer Finance?
We’ve partnered with Creation Consumer Finance (part of BNP Paribas Personal Finance) to offer Your Plan credit accounts to customers.
Creation Consumer Finance manage the Your Plan credit accounts, and you make your monthly payments to them.
Currys Group Ltd (trading as Currys) act as a credit broker and not a lender. Credit is provided by Creation Consumer Finance.
Making a complaint
How do I make a complaint about my credit agreement?
You can make a complaint about your credit agreement using one of these methods:
By phone: 0330 678 0511 (calls may be recorded and monitored).
By Post: Currys, PO Box 1687, Sheffield, S2 5YA
Or online using your online account portal.
How will my complaint be handled?
We’ll do our best to resolve your complaint as quickly as possible. If we can’t do this immediately, we’ll try to acknowledge your complaint within 5 working days of receiving it, and keep you updated on the progress of our investigation.
We aim to resolve any complaint within two weeks. If this isn’t possible, we’ll write to you with an update on the progress of our investigation. Once we’ve resolved your complaint, we’ll confirm everything in writing.
In the unlikely event that we haven’t resolved your complaint within 8 weeks of us receiving it, we’ll write to you and let you know the reasons why. At this point, you can also refer your complaint to the Financial Ombudsman Service.
If you’re unhappy with the outcome of your complaint, you can refer the matter to the Financial Ombudsman Service using one of these methods
By post: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
By phone: Call 0800 023 4567 (free from UK landlines and mobiles) or 0300 123 9123 (Calls to 03 numbers cost no more than a national rate call to an 01 or 02 number from any line - including a mobile - and will count towards any inclusive minutes you’ve got).
By email: Simply log on to www.financial-ombudsman.org.uk
Please note: we are bound by the decision of the Financial Ombudsman Service, but you are not. Following the complaints procedure doesn’t affect your right to take legal action.
Our complaints data
Complaints publication report
Period covered in this report: 1st May 2020 to 30th April 2021
- Number of complaints opened: 3375
- Number of complaints closed: 3508
- Percentage Closed within 3 days: 13%
- Percentage Closed after 3 days but within 8 weeks: 83%
- Percentage upheld: 69%
- Complaints per 1000 sales: 3.12