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is only available to customers opening a credit account (nextpay or next3step) after the 15th April 2024 and may be withdrawn at any time.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 This offer is only available to customers opening a credit account and may be withdrawn at any time.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.

**Priority access to our Online Sale also known as VIP Sale is a benefit to nextpay customers. Exclusions apply. To be allocated a VIP sale invite for the upcoming Sale you will need to stay opted in to receive marketing emails and have successfully created your nextpay account ahead of any promoted deadline (communicated on & offsite in the lead up to Sale). If you sign up after the cut-off date you will be included in a subsequent Sale Invite. Priority access gives you the first choice of available time slots for Day 1 sale access. This is a first come first serve, stock is subject to availability. 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.

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