5.36.3 Next Credit Options | Credit Accounts for Fashion & Homeware | Next Click here to use our accessible website
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Streamlined application process
By checking your eligibility there will be no negative impact to your credit score±

By clicking 'Check my Eligibility' you are agreeing to our Terms and Conditions and 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.

Please note that 'Fashionpay' is a new name being tested. By continuing to check your eligibility and apply you are applying for the nextpay credit account which will be the name referenced on your application going forward

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 Credit Welcome Offer

‡This offer is only available to customers opening a credit account (nextpay or next3step) after the 15th April 2024 and may be withdrawn at any time. Minimum purchase value is £20 in a single transaction after other discounts and gift cards/e-vouchers have been applied. Excludes delivery charges, nextunlimited subscriptions and the purchase of gift cards/e-vouchers. Returns will be refunded at the discounted price paid. This offer can only be redeemed on your first qualifying purchase made on Next.co.uk and will be applied at checkout.

For credit account sign ups before 15th April 2024, ‡£10 will be credited to your account balance on the date of your first statement following your first qualifying purchase only. This offer is only available to customers opening a credit account and may be withdrawn at any time. Minimum purchase value is £15 in a single transaction after other discounts and gift cards/e-vouchers have been applied. Excludes delivery charges, nextunlimited subscriptions and the purchase of gift cards/e-vouchers. This offer can only be redeemed on purchases made on next.co.uk or in a Next store with a nextpay account. If you return items included in the order for a refund we may deduct some or all of the £10 credited to your account if the value of the items you keep is less than the minimum order value (£15).

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

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

^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. For further information please see our Privacy & Cookie Policy.

^^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.

**Day 1 access to our Priority sale also known as VIP Sale is a benefit exclusive to nextpay customers. Exclusions apply. To be allocated a VIP sale invite for the upcoming Sale you will need to be opted in to receive marketing emails and have successfully created your nextpay account by 11.59pm on Wednesday 26th June 2024. You will receive your Early Access invite by Tuesday 2nd July 2024. Priority access gives you the first choice of available time slots for Day 1 sale access. If you sign up after the cut-off date you will be included in a subsequent Sale Invite. 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.

*^ 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 2023 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.

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