You can use your flexpay credit account on purchases both online and in-store.

Buying online? Select flexpay at checkout.

Buying in-store? Ask a colleague about flexpay, or you can apply for an account before visiting the store by getting pre-approved online.

If you don’t have a flexpay account, you can check your eligibility before you apply to get an estimated credit limit with no impact to your credit score.

If you’re an existing customer, you can use any available credit on your account for new purchases.

If you’re going through financial difficulties, long term or short term, Creation Consumer Finance have a dedicated team to support you. Further details can be found via this link: https://www.creation.co.uk/payment-support/#were-here-to-help.

If your credit application has been referred online, then we will contact you by phone within 48 hours of your application. If we fail to reach you, after 3 attempts, we will email you with the outcome and next steps.

No, however if you want to make a deposit you can only do this in-store.

Whether you’re dealing with money worries, health issues, a disability or a change in your circumstances, everyone deserves a bit of extra support when they need it most.

Share your additional needs with us and we’ll find the best way to accommodate you.
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If you want to apply for credit or pay using your existing flexpay account, please select the “Spread the cost” option in your basket.

When you’re at the checkout, you’ll see the “Choose a Currys flexpay” section. Select the credit plan you want to apply for, or log into your existing Currys flexpay account to pay with your available credit.

Please note, paying with credit is available only on orders over £99, and there are some items you can’t pay for using credit.

When your application for a flexpay credit account is accepted, you’ll be sent an email asking you to register your account by downloading the ‘Creation Finance App’ from the App Store or Google Play.

This is where you can manage your account, view all your purchases, change your payment plan, manage your credit limit 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.currys.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 flexpay.

Having trouble accessing your account? Please call 0371 376 9318 and we’ll do our best to get you logged in.

You can use your flexpay credit account to shop at Currys online, and in any Currys store.

You can find out your credit limit by downloading the ‘Creation Finance App’ from the App Store or Google Play or by accessing your Online Account Manager here.

If you are eligible, you can request an increase to your credit limit through your Creation Finance App or Online Account Manager after your account has been open for at least 6 months, and if your credit limit hasn’t been changed in the previous 6 months. You can request decreases to your credit limit at any time. When you request an increase or decrease to your limit, you'll get an instant decision from our partner Creation Consumer Finance. They will review your ability to repay before an increase is approved.

As a responsible lender, there are several reasons why our partner Creation Consumer Finance may not allow you to increase your limit. If you meet one of these reasons, then you will not see the link to increase your limit within the Online Account Manager and Creation Finance App. Accounts are regularly reviewed and should your personal circumstances change, you may see this option within the Online Account Manager and Creation Finance App. If you are looking to decrease your limit it can be found on the Payments & Transactions page and this functionality will always be available to you.

Some of the reasons why our partner Creation Consumer Finance would be unable to increase your credit limit are:

• Your credit limit is already at the maximum we can agree.
• Your account may not be eligible for an increase in limit.
• Past borrowing with us may not have been satisfactorily repaid.
• Adverse information held on your credit report.

• If you have applied for a decreased credit limit, we are unable to complete your request if it would move your limit to less than £250 or 3% above your outstanding balance.
• You can ask us again to reduce your limit but please ensure there is a minimum of £250 or 3% available between your current balance and requested limit. ​

Yes, you can make overpayments for some or all of the outstanding balance with no fees. You can do this by downloading the ‘Creation Finance App’ from the App Store or Google Play or by accessing your Online Account Manager here.

Yes, some things can’t be paid for on credit. These include software downloads & pay monthly Care & Repair plans.

Gift cards cannot be used towards flexible credit purchases when you purchase online however they can be used to pay a deposit in-store.

You can access your credit agreement paperwork by log-in into your Online Account Manager here.

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 by accessing your Online Account Manager here.

Between 1 May 2023 and 30 April 2024 Currys Group Limited received 2,309 complaints related to credit-related activities

Creation Consumer Finance, are the credit lender and they manage the flexpay credit accounts. Please download the ‘Creation Finance App’ from the App Store or Google Play or log-in to your Online Account Manager here 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

Your verification code is in your junk folder

Sometimes verification codes are delivered to your spam/junk folder instead of your inbox. Please check this folder for your code before requesting a new one. If you can't see your code in your inbox or junk folder, feel free to ask us for a new one.

Your inbox is full

Sometimes your inbox can be at capacity without you knowing! Please check your inbox capacity before requesting a new verification code. If there's room in your inbox, and your code is still not showing here or in your junk folder, feel free to ask us for a new one.

We've got the wrong email registered for you

Sometimes there can be a discrepancy between the email address you use and the one we have registered for you. Please check your Currys account to see if your registered email address is the one you use. If we have the wrong email address for you, it's a quick and easy fix in this space.

A customers personalised APR is based on their individual circumstances.

The rate shown in our communications and in the Flexometer prior to the eligibility check are based on our representative headline APR of 29.9%.

Most customers will continue to receive an APR of 29.9%, however some may receive an alternative APR based on their individual circumstances.

A personalised APR will be offered alongside a credit limit once the eligibility check is completed.

Repayment calculations will then be updated based on the personalised APR offered.

If you close your Currys flexpay account, you will no longer be able to use it for tech purchases at Currys.

You can close your account by filling out this form: https://www.creation.co.uk/web-forms/creation-account-closure.

Please note that if you decide to open a new flexpay account in the future, you will need to submit a new application and undergo another credit search.

If you’re having an issue accessing your credit account, please call Creation on 0371 402 3419. Lines are open Monday to Friday, 8:30am to 5:30pm and Saturday 8.30am to 5pm.

Please note, you can't log into your account until you've registered it. If you have an active Currys flexpay agreement, please set up your flexpay account now.

To do this, you’ll need the email address you used when you applied for your flexpay credit account.

Buy Now Pay Later is an interest bearing credit option that allows you to delay payments over an offer period (usually 6, 9 or 12 months).

Settle in full within the offer period, and you won’t pay any interest at all.
If the full amount due is not repaid within the offer period, the remaining balance will be split into equal monthly instalments, which will be taken via direct debit from your nominated bank account.

These instalments will include interest on the outstanding balance, backdated to the date of purchase.

If you want to choose Buy Now Pay Later then select flexpay at checkout to see the available options for your purchase.

You can manage your agreement by downloading the ‘Creation Finance App’ from the App Store or Google Play or by accessing your Online Account Manager here to see when your promotional period ends and to make any payments towards your balance.

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Yes, you can add multiple Buy Now Pay Later agreements to your credit account however please note each one may have a different promotional period so please check by downloading the ‘Creation Finance App’ from the App Store or Google Play or by accessing your Online Account Manager here. You can have Buy Now Pay Later plans alongside other credit agreements on your account, however if you do not settle your balance before your promotional period ends then the monthly payment amount will consolidated into a single monthly direct debit payment to cover all your agreements.

You can find out by downloading the ‘Creation Finance App’ from the App Store or Google Play or accessing your Online Account Manager here, and also two months before your Buy Now Pay Later period ends you’ll receive a reminder via letter or email. Please note it takes a minimum of five working days for Creation to process payments and that all payments must be processed before your Buy Now Pay Later period ends to ensure you don’t pay interest.

Pay in monthly instalments, interest free, over terms of 12, 24 or 36 months.

Available on selected products, during promotional periods Payments are split into equal monthly instalments spanning the agreed term, and will be taken via direct debit from your nominated bank account

If you want to choose interest free credit then select flexpay at the checkout to see the available options for your purchase.

Yes, you can add multiple Interest Free Credit agreements to your credit account although each one may have a different monthly term. You can also have Interest Free Credit agreements running alongside other credit agreements within your account, each monthly amount per agreement will be consolidated and added to your single direct debit payment. You can find details of your agreements by downloading the ‘Creation Finance App’ from the App Store or Google Play or by accessing your Online Account Manager here.

Interest Free Credit is available over a set monthly term for example 12, 24 or 36 months. The total value of the basket is simply divided by the monthly term so you pay 0% interest over the length of the agreement. You can still settle the balance early with no fees however missed or late payments may incur additional fees including interest charges and have a negative impact on your credit file and ability to obtain credit in the future.

Spread the cost of your tech over 48 months, with a lower promotional purchase interest rate. Payments are split into equal monthly instalments spanning the agreed term.

If this option is available for your purchase, it will be displayed alongside a product and in the checkout when you choose flexpay.

Yes, you can add multiple 'Pay monthly, low interest' agreements to your credit account. You can also have 'Pay monthly, low interest' agreements running alongside other credit agreements within your account, each monthly amount per agreement will be consolidated and added to your single direct debit payment. You can find details of your agreements by downloading the ‘Creation Finance App’ from the App Store or Google Play or by accessing your Online Account Manager here.

The total value of the basket is divided by the monthly term plus the interest, equating to a set amount to pay each month. You can still settle the balance early with no fees however missed or late payments may incur additional fees and have a negative impact on your credit file and ability to obtain credit in the future.

Pay in monthly instalments over 36 months is a 3 year plan split into equal monthly payments including the 29.9% APR.

'Pay monthly, low interest' is a 4 year plan split into 48 equal monthly payments including the 9.9% promotional purchase rate.

Example of both using a product with a cash price of £999

• Credit amount £999.00. Pay 36 monthly payments of £40.48. Total amount payable £1,457.28.

• Credit amount £999.00. Pay 48 monthly payments of £25.08. Total amount payable £1,203.84.

Customers are free to make overpayments at no additional costs to them at any time and that they can do this via the App, OAM or Creation contact centre.

We’ve partnered with Creation Consumer Finance (part of BNP Paribas Personal Finance) to offer Currys flexpay credit accounts to customers.

Creation Consumer Finance manage the flexpay 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.

We will use the information provided in your application to check your eligibility for credit. More information is available in our Privacy Policy.

We will share the information you provide in your application with our credit provider, Creation Finance, to check that you are eligible for credit, and if successful set up your credit account. During the time your credit account is active we will share information with Creation Finance about your transactions with Currys to ensure that our credit offering is still appropriate. More information is in our Privacy Policy.

We will ask if there is any additional support you need only to ensure we are supporting you appropriately during your application and while you have an active credit account with us. We only collect minimal information required to support you, and only with your consent. More information is available in our Privacy Policy and through the Financial Conduct Authority (FCA).