Tech now, pay later.

1. Discover our range of amazing tech at Currys.

2. Add your items to the basket.

3. At checkout choose Flexible Credit as the way to pay.

4. Use our credit calculator, select your term and follow the instructions on screen.

You can use Flexible Credit on purchases over £99 both online and in-store.

Buying online? Select Flexible Credit at checkout.

Buying in-store? Ask a Colleague about Flexible Credit or you can apply for a credit account before visiting the store by getting pre-approved online.

If you’re new to Flexible Credit 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 over £99.

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.

For any purchases made before 26th April, the interest rate remains unchanged at 24.9% per annum.

• If you have a Buy Now Pay Later offer on a transaction, any balance left to pay at the end of your Buy Now Pay Later period will incur interest from the date of your purchase at your current standard Your Plan interest rate of 24.9%.

• If you have taken out interest free credit this will continue to apply to the purchase.

For any new purchases you make on or after 26th of April 2023, the interest rate will be 29.9% per annum.

• If you have a Buy Now Pay Later offer on a transaction, any balance left to pay at the end of your Buy Now Pay Later period will incur interest from the date of your purchase at the new standard Your Plan interest rate of 29.9%.

• If you have taken out interest free credit this will continue to apply to the purchase.

On 12 month interest bearing products, you will pay an extra 19p per month for every £100 of new purchases you make after the 26th April 2023, if the purchase is not attached to any promotional offer such as interest free credit or buy now pay later.

Therefore :

• Purchases made before 26th April 2023, will continue to be charged at 24.9% and you would pay £9.38 monthly instalments for 12 month interest bearing purchases of £100

• Purchases made after 26th April 2023, will be charged at 29.9% you would pay £9.57 monthly instalments for 12 month interest bearing purchases of £100

When your application for a Your Plan 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.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

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

You can use a Your Plan 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 debt exceeds your income.​
• 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 2022 and 30 April 2023 Currys Group Limited received 1,323 complaints related to credit-related regulated activities.

Creation Consumer Finance, are the credit lender and they manage the Your Plan 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

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Buy Now Pay Later is an interest bearing credit option that allows you to delay payments over a promotional term, for example over 6, 9 or 12 months. If you pay the full credit amount by the end of your Buy Now Pay Later period, interest will not be incurred on your purchase. Any balance left to pay at the end of your Buy Now Pay Later period will incur interest from the date of your purchase at the standard Your Plan interest rate. If you want to choose Buy Now Pay Later then select Flexible Credit at the 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.

Interest Free Credit is available on a promotional basis for selected products and 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.

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.

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.

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).