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What is Flexible Credit?

It is a simple way to spread the cost of your purchase by choosing a flexible credit options which are available on orders over £99 (exclusions apply). To use Flexible Credit you must apply for a credit account, if approved you will get a credit limit which you can use for future purchases over £99 both online and in-store.

• Spread the cost by choosing the monthly payments that suit you from 12 to 36 months

• No deposit to pay and choose to make additional payments or pay your balance off early at no extra cost

• Promotional credit offers on selected products including Buy Now Pay Later up to 12 months, Interest Free Credit up to 36 months and 48 Months Promotional Credit

• Once you've opened a Your Plan account you will get a credit limit to use on future purchases over £99

Representative Example:

29.9% APR Representative (variable)

29.9% Interest Rate (variable)

Assumed Credit Limit: £1,200

Learn more about Flexible credit

Existing Your Plan customers

You can login here to check your credit limit, see your previous purchases and use a tool to calculate your monthly budget.

Customer support & financial wellbeing

Find out what support is available for managing your YourPlan Credit policy due to money worries, or health issues, here.

What Flexible Credit options are available?

Interest Bearing Credit

This option simply allows you to spread the cost of your purchase by paying in monthly instalments. You can choose to spread the cost anywhere between 12 and 36 months. Interest is charged at the APR displayed however you can make additional payments or pay your balance off early at no extra cost. All purchases over £99 are available on this option.

48 Months Promotional Credit

This option simply allows you to spread the cost of your purchase by paying in monthly instalments over a 48 month term. Interest is charged at the rate displayed however you can make additional payments or pay your balance off early at no extra cost. 48 Months Promotional Credit is available on a promotional basis for selected products. If 48 Months Promotional Credit is available for your purchase, it will be displayed when you choose Flexible credit at checkout.

Buy Now Pay Later

This is an interest bearing credit option that allows you to delay payments over a set period of time. If you pay the full balance of your purchase within the set period, no interest will be charged. Any balance left to pay after the set period will accrue interest from the date of purchase. If Buy Now Pay Later options are available for your purchase, they will be displayed when you choose Flexible credit at checkout.

Interest Free Credit

Interest Free Credit offers are available on a promotional basis for selected products. Interest Free credit allows you to spread the cost of your purchase and pay no interest by making monthly instalments over a set term. If Interest Free Credit options are available for your purchase, they will be displayed when you choose Flexible credit at checkout.

Currys Group Limited is a credit broker and not a lender, introducing the Your Plan credit account under exclusive arrangements with the lender Creation Consumer Finance Ltd. Credit is provided by Creation Consumer Finance Ltd who will determine your personalised APR. Monthly prices displayed are based on the representative APR. Authorised and regulated by the Financial Conduct Authority. Please see our Privacy Policy for more information on how your personal data is used