Currys offers a flexible credit scheme where you can spread the cost of a purchase over £99 from 12 to 36 months. However, there is interest on this option – 24.9% APR representative (variable). This means your overall total payment will come out as more than the original price of the product.
No deposit is required nor are there any early payment fees.
An alternative way to pay is through PayPal’s Pay in 3 service. This allows you to split the total cost of your basket into 3 equal payments over 2 months (the first payment is taken at checkout). There are no late fees nor interest on Pay in 3 but it’s crucial that you’re able to pay on time as you cannot pause, suspend or skip payments. PayPal reports how customers are managing these accounts to credit reference agencies, which means if you skip payments, you could end up damaging your credit score.