Argos pay frequently asked questions

To apply for an Argos Pay account you’ll need to:

• Have lived in the UK for at least a year
• Be aged 18 or older · Have a UK mobile number and email address
• Not already have an Argos Card or Argos Pay account

You can then check your eligibility without affecting your credit score.

You can check your eligibility online anytime. Or you can do it while you're shopping online:

1. Add item(s) to your trolley, then choose Argos Pay when you come to pay.
2. Complete an eligibility check so we can show you what plans, credit limit and offers you're eligible for.
3. See your payment options and pick one. What you’re offered will depend on what's in your trolley and your circumstances when you apply.

Before putting your application through a full credit check, which be recorded on your credit file, Argos Pay will run a no-risk eligibility check to see how likely it is you'll be accepted. This won't affect your credit score.

If you’ve recently opened several credit accounts or applied for a number of credit products in a short space of time, this could reduce your credit score. This is because lenders wish to lend responsibly and avoid customers taking on more credit than they can afford.

The details you give to NewDay Ltd will be used to make a responsible decision on your application. Find out more in our privacy notice.

As an Argos Pay customer, you may sometimes be offered exclusive rates, interest-free instalment plans or special Buy Now, Pay Later offers. The offers might be just for selected products – or to use on almost anything you like.

The offers you can enjoy will depend on what’s in your trolley and your circumstances at the time. You’ll be able to see what’s available for you after checking your eligibility. And if you do not qualify for any offers now, keep in mind that managing your account and other credit products well could help you qualify in the future.

You’re welcome to reapply, but we'd suggest not doing it immediately. It’s a good idea to check your credit score online and wait around six months before you apply again.

Once you’ve completed your application, you can't cancel it. However, you can close your account at any time. If you’ve used the account, you'll have to repay your balance and any interest. To close, call customer services on 0333 240 8002*. If you have a balance, the Argos Pay team will tell you how much you owe and how to pay it.

Once you've opened an Argos Pay account, you can log in and manage it using the Argos Pay app or Online Account Manager. To register, you’ll need your account number and Online Registration Number. You can find these in the emails you got from Argos Pay after opening your account.

It’s simple to keep your account up to date, as there’s a choice of different ways to make your payments. Whether it’s taking care of them automatically with a Direct Debit or making them manually when you choose, there’s something to suit everyone.

Find out more about ways to pay.

If you’re struggling to make your payments, please chat with the friendly team in the Argos Pay app. We can look at options for you. We know that managing money isn’t always easy and sometimes extra help is needed. There are a range of organisations that offer free, independent money guidance and debt advice:

StepChange 0800 138 1111
Debt advice and fee-free debt management
Money Helper 0800 011 3797 Information and tools to help manage your money
Citizens Advice 0808 223 1133
Advice on finances, consumer rights, benefits and more
National Debt Line 0808 808 4000
Debt advice, including specialist advice for self employed Learn more about ways we can help you in our frequently asked questions.

Of course. Just log in to your Argos Pay app or Online Account Manager, navigate to the Account Settings tab and then follow the Account Closure instructions.

You won’t have to pay any penalties, fees or charges for simply closing your Argos Pay account, but you will need to repay the balance.

Please contact Argos Pay customer services on 0333 240 8002* as soon as possible.

Your Argos account is for when you shop with Argos. You can use it to log in to our site and make purchases. Your Argos Pay account is for managing the way you pay for those purchases on finance. You can access it using the Argos Pay app or your Online Account Manager, logging in with your unique Argos Pay username and passcode. This is where you’d go to make a payment towards your Argos Pay balance, view statements and notices, check your payment plan information or change your personal details.

If you have any questions, you can contact the Argos Pay team customer service team on 0333 240 8002. Opening times are 9am - 7pm Monday to Friday, 9am - 5pm Saturday, closed Sunday.

What should I do if I’m unhappy with my Argos Pay account?

If you’re unhappy with how we’ve dealt with you Argos Pay account or Application, and you wish to make a complaint, please contact us and we’ll do our best to put things right.

If we have not been to resolve your complaint to your satisfaction, once we’ve given you our final decision, you may be able to refer your complaint to the financial ombudsman. You can contact them in the following ways.

complaint.info@financial-ombudsman.org.uk
Financial Ombudsman Service,
Exchange Tower
London, E14 9SR

0800 0 234 567 free for people phoning from a ‘fixed line’ (for example, a landline at home) or 0300 123 9 123 free for mobile phone users who pay a monthly charge for calls to numbers starting with 01 or 02 number cost no more than calls to 01 and 02 numbers.

There's no monthly fee for the account.

This is on your statements. Unless you have opted to receive your statement by post, you can find these in your Argos Pay app by clicking Transactions, then Statements or via the Online Account Manager by clicking Transactions & Statements.  

You need to pay at least the monthly minimum payment shown on your statement, each month.

If you have an active instalment plan, you will need to pay at least your minimum payment and your monthly instalment payment each month otherwise your instalment plan will be cancelled. Payments towards your instalment plan are optional, and you will not go into arrears if you chose to only pay your minimum payment, however, your plan will be cancelled.

It's always best to pay more than your minimum on months when you can afford it, though, as you’ll pay off the balance faster and save on interest.

If you don’t pay the minimum monthly payment, you may be charged a late payment fee. Your late payment may also be reported to credit reference agencies, which could make it harder for you to get credit in the future.

It’s one of the payment options that you can choose with Argos Pay. Once you’ve been accepted for Argos Pay, you’ll be offered this option when you go through checkout.

If you pick Flexible Credit for your purchase, all you need to do is pay the monthly minimum payment – and more when you can afford it. It’s as simple as that. There’s also no minimum spend if you want to use Flexible Credit.

There’s no fixed timeframe. If you only pay the monthly minimum amount, it’ll take you longer to pay off the cost of your buy plus interest. If you pay more than this whenever you can afford to, it’ll cost you less in interest and you’ll be able to pay off the total balance faster.

It’s one of the payment plans that you could be offered at checkout with Argos Pay. It lets you buy a product now and pay nothing for three, six or 12 months, depending on which option you’re offered.

You don’t have to pay anything at all during the Buy Now, Pay Later period. Before the expiry of the promo period, you can pay off the balance in full to avoid interest.

If you don’t pay back the full amount, you’ll start paying interest on the balance that’s left. For plans taken out on Argos Pay, it’ll simply be ongoing interest at your standard purchase rate, which you can find in the ‘your account in detail’ section of your statement. Find out more about how interest works for BNPL plans. Note, plans taken out on Argos Card may have a deferred interest charge, too.

After the BNPL period ends, you’ll have to make at least your minimum payment each month – or more if you can afford it – until any remaining balance is cleared.

Not everyone will be offered this payment plan. If it’s not available to you, then you won’t see it as a payment option when you get to the checkout.

Interest won’t be charged until the ‘pay later’ time is up. So, if you’ve chosen a 12-month BNPL plan, you won’t have to pay any interest during the 12-month BNPL period.

If you don’t pay back the full balance by the end of that time, you’ll start paying interest on whatever’s left. It’ll be at your standard purchase rate, which you can find in the ‘your account in detail’ section of your statement.

No, there are no fees or costs to set up a Buy Now, Pay Later plan. You can find details of all fees and charges in your Credit Agreement.

You’ll need to make sure you keep your Argos Pay account as a whole up to date. That means staying below your credit limit and paying at least your minimum payments on time each month.

It’s one of the payment plans that you might be offered at checkout with Argos Pay, if your trolley adds up to £150 or more.

You can use an instalment plan to spread the cost of your purchase plus interest over 12, 24, 36 or 48 months. This can cost less and help you clear your balance faster, compared to using Flexible Credit and making only minimum payments each month.

Each month, you’ll need to pay at least your minimum payment plus your monthly instalment payment. You can find this amount and the due date on your monthly statement. If you don’t keep up these payments, your instalment plan will be cancelled.

You’ll need to have enough available credit to cover both the purchase price and the interest over the instalment plan period.

We can’t set up an instalment plan that would take you above your credit limit. You’ll be asked to choose another payment method or payment plan, or you could decide to buy a cheaper product instead.

This depends on the length of your instalment plan, so we’ll let you know how much you need to pay each month for the plan you choose. The amount will cover the purchase and the interest, plus your minimum payment.

There are no fees to set up an instalment plan, but you will be told about the interest rate when you set up the instalment plan.

Payments towards your instalment plan are optional. So, your account won’t fall overdue if you choose to only pay your minimum payment. However, your instalment plan will be cancelled and the balance will move onto Flexible Credit, with interest still charged at your standard purchase rate. You’ll need to pay the minimum monthly payment, and more when you can afford it.

If you’ve set up a Direct Debit, it’ll automatically be adjusted so Argos Pay collect any monthly instalment payments.

If you have a Direct Debit, the amount Argos Pay collects will always include your monthly instalment payment.

To make any changes to your Direct Debit, please log into your Argos Pay app or Online Account Manager, or call the Argos Pay customer service team.

Like a standard instalment plan, this plan spreads the cost of your purchase and you pay a fixed amount each month. As long as you keep up all these monthly payments, you will pay a reduced amount of interest (e.g. 0%) and your balance will be paid off by the end of the promotional period.

Promotional interest instalment plans are special promotional offers. They’re only available on certain products and aren’t offered all year round.

This depends on the length of your instalment plan, so we’ll let you know how much you need to pay each month for the plan you choose. The amount will cover the purchase plus your minimum payment.

There are no fees to set up an instalment plan.

Payments towards your instalment plan are optional. So, your account won’t fall overdue if you choose to only pay your minimum payment. However, your instalment plan will be cancelled and the balance will move onto Flexible Credit, so you’ll start paying interest on it at your standard purchase rate. You’ll need to pay the minimum monthly payment, and more when you can afford it.

If you’ve set up a Direct Debit, it’ll automatically be adjusted so Argos Pay collect any monthly instalment payments.

You’ll need to make sure you keep your Argos Pay account up to date. That means making all your monthly payments on time and staying below your credit limit.