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Terms & Conditions

Credit subject to status. UK residents aged 18 and over.

Please note only one credit product is available per customer. To transfer to another credit product, the original account must be closed beforehand.

‡£10 off your first credit purchase only. Minimum purchase value £15 after other discounts have been applied, excludes deliveries and nextunlimited subscriptions. Returned items are refunded at the discounted price paid. This offer is only available to new customers opening a credit account and may be withdrawn at any time. Please note your current balance will show as the total purchase value with £10 credited to your account on your first statement.

**Early access to our Online Sale also known as VIP Sale is exclusive to nextpay customers. Exclusions apply. To be allocated a VIP sale invite you will need to have successfully opened a nextpay credit account ahead of any promoted deadline (communicated both on & off site in the lead up to a Sale) and will need to be opted in to receive marketing emails. For more information on our VIP Sale, click here.

†An in-app nextpay card is only available to customers once a first statement has been issued and a subsequent payment has been made.

^ If you only make the Minimum Payment each month, it will take longer and cost more to repay your balance.

^^The credit limit may be lower than your purchase value. You will be asked to pay for any excess at the time of your purchase.

*For call charges contact your service provider.

Next3step terms and conditions

If you do not make the full 3Step Payment in any month on time, the whole balance will become chargeable to the Standard Rate of Interest at 29.9% per annum variable (the Standard Rate). You will be given the option to pay for subsequent purchases in 3 instalments. Once a balance moves to the standard rate it cannot move back. You can choose to pay more or less than the 3Step Payment in any month, but you must pay at least the Minimum Payment. If you do not make at least the Minimum Payment by the due date, your account will be in arrears, which will affect your credit rating.

© Copyright 2020 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.