: If not paid in full, interest is backdated to the date of the order and compounded daily.
: Representative rates are typically around 44.9% APR variable (UK) or 39.7% APR variable (Ireland).
: After the BNPL period ends, any remaining balance plus the backdated interest becomes part of your regular balance and attracts further interest at your account rate. Important Exclusions Not all costs can be delayed:
: You pay no interest if you pay the cash price in full before the BNPL period ends.