Argos Card Credit Plans

Shop at Habitat with flexible payment plans that give you longer to pay. Representative 29.9% APR Variable.

Argos Card Credit Plans

Apply for an Argos Card

Representative 29.9% APR Variable

Representative 29.9% APR Variable

The Argos Card lets you shop at Habitat and Argos, with flexible payment plans that give you longer to pay. Plus, you can buy everyday groceries at Sainsbury’s using an Argos Card (just like a regular credit card).

Shop with an Argos Card

So, what credit plans are available?

So, what credit plans are available?

We have standard 3-6 month credit plans, plus special offer plans on certain products. With an Argos Card, you won't pay any interest as long as you pay off your balance within the agreed period. 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.

Special offer credit plan with longer to pay...

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 29.9% APR variable. Credit subject to status. Ts&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...

Up to 12 months to pay

on selected furniture when you spend £199 or more.

Shop now

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

Standard Credit Plans

Normal credit
When you spend under £50.
3 months credit
When you spend over £50.
6 months credit
When you spend over £99.
How it works.

How it works

First things first, add what you want to your trolley. Once you've finished browsing and shopping, you'll see your credit plan options and application details at the checkout.

Manage your Argos Card account

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

Make life easier, get the App...

Sort your life admin wherever you are. Go paperless and download the Argos Card App to manage your credit plans, view your statements, set up alerts and make payments.

Manage your account from your computer.

Manage your account from your computer

Not got the App? You can also check your account online. Log in to set up Direct Debits and update your personal details.

Want to learn more?

Credit scores

Credit scores

Being a grown up is hard. While credit scores might seem dull, getting your finances in shape is a really important life admin task to tick off the list. We've pulled together some info with Sainsbury's Bank to make it all a bit easier to understand.

A to Z of finance terms.

A to Z of finance terms

What on earth does that mean? Some abbreviations, institution names and definitions in the banking and finance world can be confusing. We've brought together a glossary of words to help simplify the small print and untangle the Ts&Cs...

Argos Card FAQs

View all

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. 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 (even groceries):

  • Sainsbury’s Petrol Stations
  • Sainsbury’s in-store Travel Bureaux
  • In-store Lloyds Pharmacies

Habitat is a trading name of Argos Limited who is authorised and regulated by the Financial Conduct Authority as a credit broker, and works exclusively with Argos Card Lender, Home Retail Group Card Services, 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 489-499 Avebury Boulevard, Milton Keynes, Buckinghamshire MK9 2NW.

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 or in-store.

Credit subject to status. Ts&Cs apply. Representative 29.9% APR variable.

Why buy at Habitat?