Argos Card Credit Plans

Got something in mind? To make it easier to choose, we've listed a selection of our special offer credit plans below. If these don't catch your eye, you can still use the Argos Card to take out a standard credit plan on anything you buy at Habitat.
Representative 34.9% APR variable. Credit subject to status. T&Cs apply.

No interest will be charged if you pay in full within your credit plan period and keep your account up to date. If you don’t pay in full, you’ll be charged interest on any balance remaining at the end of the plan. This interest will be backdated to the date of purchase.

What are you waiting for? Get shopping...

Pay no interest
On your basket spend £99+ when you pay your full balance within 3 months.

Pay no interest
On your basket spend £199+ when you pay your full balance within 6 months.

Pay no interest
On any product £499+ when you pay your full balance within 12 months.

Find out more
Credit subject to status. T&Cs apply.

Nothing caught your eye? Check out our standard credit plans. These can be taken out on anything you're buying online at Habitat or at Argos.

Already got an Argos Card? From making payments, to changing your contact details, it's quick and easy to keep on top of your finances with the Argos Card App

We treat all our customers and their applications on an individual basis. The APR we offer is determined by the details you supply and the credit you are applying for, along with an independent verification of your credit and repayment history.

My Argos Card has been lost/stolen – what should I do?
Let us know immediately by calling us on 03456 400 700.
We’re available…
Monday to Saturday, 8am to 6pm
Sunday, 10am to 6pm

What if I can’t make my Argos Card payments?
Please call us on 03456 400 700.

We completely understand that, from time to time, your circumstances might change and you might struggle to make a payment. If you’re having any problems at the moment, please do call us and we can talk through which options are available to you.

Can I use my Argos Card to shop anywhere in Sainsbury's?
Mostly, yes - you can use your Argos Card to buy groceries, Tu Clothing, Homewares, Electronics – basically anything that’s stocked in Sainsbury's and Sainsbury’s Local stores. You can also use your Argos Card to buy fuel at Sainsbury's petrol stations, excluding Pay At Pump and to purchase any goods at Sainsbury's petrol station convenience stores. With the Argos Card, only normal credit is available in Sainsbury’s.

However, you can’t use your Argos Card to shop online at Sainsburys.co.uk or when using the Sainsbury's app.

There are also a few places within Sainsbury’s where you can’t use your Argos Card to buy anything:

• Sainsbury’s in-store Travel Bureaux

It’s just a systems thing, sorry!

One more thing to note - Argos Gift Cards/ eGift Cards cannot be spent in Sainsbury’s stores. However, if your local Sainsbury’s has an Argos-branded concession inside it, you can use it there.

Habitat is a trading name of Argos Limited who is authorised and regulated by the Financial Conduct Authority as a credit broker (713206), and works exclusively with the lender, Home Retail Group Card Services Limited, who are authorised and regulated by the Financial Conduct Authority to provide credit (716148). Home Retail Group Card Services Limited is registered in England (04007072) at 33 Holborn, London, United Kingdom, EC1N 2HT.

Spread the cost on your Habitat shopping with an Argos Card. You can choose from one of our standard credit plans or check out our special offer credit plans. These are time-limited credit offers available on top products including indoor and outdoor furniture.

The Argos Card allows you to buy now, pay later and it’s easy to manage your account with the Argos Card App. So, if you need a new sofa, want to shop the latest lighting from Habitat or are on the hunt for the latest outdoor furniture, apply for an Argos Card online.

Credit subject to status. T&Cs apply. Representative 34.9% APR variable.