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Find out more about the nextpay credit account
Our most flexible way of paying, giving you the
choice to spread the cost^
24.9%
Representative
APR Variable
What is nextpay?
Shopping online
How do you sign up?
How your
account works
New Customer EXAMPLE
Payment is due 7 days prior to your next statement (which are one calendar month apart)
You can choose to pay off your balance in full, make the minimum payment (£5 or 5% whichever is greater) or any amount in between. If you only make the minimum payment each month it will take longer and cost you more to repay your balance
Top tip!Avoid Interest fees by paying off your account balance in full and on time each month!
Managing your
account
- View online statements
- Make a payment
- Manage your credit limit
- Set up Direct Debits (or call 0333 777 8910†)
- Set up Two Factor Authentication for extra security
Spreading the cost
An example of how much interest you would be charged if you spread
the cost of a £100 order over different time periods
| Time period | Monthly Payment | Total to Pay | Total Interest Charged |
|---|---|---|---|
| 1 month | £100 | £100 | £0 |
| 3 months | £34.60 | £103.80 | £3.80 |
| 6 months | £17.84 | £107.00 | £7.00 |
| 12 months | £9.43 | £113.12 | £13.12 |
Representative example: Representative 24.9% APR variable. Interest rate 24.9% APR annual variable.
Assumed credit limit £1,200.
For illustrative purposes only. This example assumes no further purchases are made during this period. It also assumes you're spreading the cost of the order over equal monthly instalments. Note you can choose to spread the cost over more than 12 months, as long as you make the minimum payment each month. The longer it takes to pay off your balance, the more interest you will be charged.
Next Retail Ltd, Leicester LE19 4AT. Credit subject to status.
Please consider your personal circumstance before signing up to a credit
account, and ensure you fully understand the terms and your ability to repay.
Terms & Conditions
Check my Eligibility
*By clicking 'check my eligibility' you are agreeing with our credit account terms & conditions To find out how we process your personal data please see our privacy and cookie policy. There will be a soft search made on your credit file to determine if you would be successful in an application for a Next credit account. A soft search is not visible to other companies and will not impact your credit score or future applications for credit. Existing customer details will be used to check eligibility.
Pay nothing today
^^The credit limit may be lower than your purchase value. You will be asked to pay for the full purchase value at the time of your purchase.
Minimum Monthly Payment
^If you only make the Minimum Payment each month, it will take longer and cost more to repay your balance.
†For call charges contact your service provider.
© Copyright 2025 Next Retail Ltd, Registered Office: Desford Road, Enderby, Leicester, LE19 4AT. Registered in England & Wales No. 4521150. Next Online is a trading name of Next Retail Ltd which is authorised and regulated by the Financial Conduct Authority for Consumer Credit.