Interest Free Credit
Why choose to PayItMonthly?

– An easy alternative to paying for your goods or services upfront, with no interest or additional fees added. Simply put – 0% APR.
– A quick and easy online application.

If you are still unsure, please contact us find out if a particular product is available on finance. Should you have any questions about the finance itself, you can call one of PayItMonthly’s friendly team on 0333 212 2141; or visit their website –


Q: Do I need to pay a deposit?

A: Yes, a minimum of 10% deposit is required. On receipt of a successful application, once the deposit and shipping has been paid, your goods will be dispatched to you.

Q: How many months can I pay over?

A: The agreement we offer will span 12 monthly instalments.

Q: Are there any requirements for me to be able to apply?

A: In order to be able to apply, you will need:

– To be between 18 and 80 years of age
– To have a current UK bank account
– To have a permanent UK residence
– To have a valid UK telephone number and email address

Q: Will I be credit checked?

A: Yes, PayItMonthly use a third party credit reference agency to perform credit checks on our customers. They report all payment activity to credit reference agencies.

Q: What if I have problems with making payments?

A: If you are experiencing problems with making repayments, please contact PayItMonthly on 0333 212 2141 or via email – and they will work with you to help resolve the issue.

Finance is provided by PayItMonthly Limited, a specialist provider of interest free credit for retailers and service providers (credit subject to status and age) based at Gainsborough House, 42 Bath Road, Cheltenham GL53 7HW (company number 09719909). Contact details: or 0333 212 3914.

About PayItMonthly

PayItMonthly offers interest-free credit to help you spread the cost of your purchase.

How it works:

If you want to spread the cost of your purchase, you can simply fill out the online application form. It takes just a few minutes and the decision will be made no later than by the next working day.

You can spread the cost over 12 monthly instalments. There are no fees and there is no interest applied. It really is as simple as that!

Things you may need and the criteria:

You will need to provide some additional information to support your application, such as Photo ID and Proof of Address.

To be eligible for a PayItMonthly Agreement you must be between 18 and 80 years of age and a UK resident.

Can I make extra/increased payments or pay off my balance early?

You can call PayItMonthly to make extra payments, increase your payments or pay off your balance early as and when you want to.

There is no penalty involved, so there is no need to worry about being charged for doing so.

What happens if I can’t afford my repayments?

We understand that from time to time, people experience a change in circumstances, and this could mean they are unable to manage their agreed instalment amount. PayItMonthly will be happy to work with you and discuss a reduced payment amount for an agreed period of time.

It is important that you contact PayItMonthly to discuss the problem so that they are able to come to a suitable agreement with you. They have a friendly and approachable team, so please don’t worry about calling to come to an arrangement.

Please note that this is not a variation of your Agreement and we still report to credit reference agencies as per the original terms of your Agreement.

You can call PayItMonthly on 0333 212 3914 or request a call-back via email:


Do you only take payments monthly?

When you sign your Agreement and set up your payments, you will only be able to set them on a monthly basis. However, if you find that you are not happy with the monthly payments later down the line, you can call and discuss setting them at a different rate to suit your circumstances.

Please note that this is not a variation of your Agreement and PayItMonthly still report to credit reference agencies as per the original terms of your Agreement.

You can contact PayItMonthly to discuss amending your payment dates on 0333 212 3914 or request a call-back via email –


Why is your name on my bank statement?

BPS re:PAYITMONTHLY, PAYITMONTHLY FLEXP, PAYITMONTHLYFLEXP or Flexplans Ltd will appear on your bank statement. The name used will depend on the payment method (Direct Debit, Credit or Debit Card) that you are using. FlexPlans is a trading style of PayItMonthly Ltd.

If you have seen PayItMonthly’s name on your bank statement, it will be because you have recently signed an agreement to pay for a product via instalments. Those payments have to be made to them.

If you would like to find out more detail about who the agreement is with, please call 0333 212 2141 or get in touch via email – and we will be happy to help.


I haven’t received the agreed goods

If there is a problem with the goods or service received, please contact one of our Customer Service team here at ARC Microtech.

It is important that you let us know if there is a problem and don’t just stop payments. The contract you have signed is non-cancellable and we have the right to rectify any problems that you raise.

We will do our utmost to ensure that any dispute you may have is resolved in a timely manner.


Can I cancel/get a refund?

You can only cancel the contract if you are able to cancel the good/services under the Consumer Contracts Regulations (previously Distance Selling Regulations).

If you have not received the goods, please contact one of our Customer Service team here at ARC Microtech.

We have the right to rectify an issue and therefore it is important that you make us aware if there are any. It will make no difference to the contract if you return the goods that you have agreed to purchase and you don’t have the right to cancel, the contract remains in place and the balance will be due.

Your right to cancel an order for goods starts the moment you place your order and ends 14 days from the day you receive your goods.
If your order consists of multiple goods, the 14 day period runs from when you receive the last part of your order.
This 14 day period is the time you have to decide whether to cancel, you then have a further 14 days to actually send the goods back.

If you cancel the contract with us under the Consumer Contracts Regulations then we will notify the finance company to cancel the finance agreement.

Should you wish to return part of your order then please let us know. Once we have received your return we will then notify PayItMonthly who will reduce the amount owed on the agreement by the value of the return.

Please note that it is important that you do not just stop payments as due to the legally binding contract, payments are reported to Credit Reference Agencies and legal action may be taken to recover the balance, which may result in a CCJ (County Court Judgment) being obtained against you.


I have accidentally cancelled my direct debit, how can I set it back up?

If you have cancelled your direct debit payments in error, please contact PayItMonthly and they will be able to reinstate payments by simply setting the direct debit back up. You will need to give them new authorisation and once received, the payment will be reset.

If you want to amend the payment date when you set the new direct debit up, again just inform PayItMonthly and they will be happy to help.

If you need to arrange a new direct debit, please call PIM on 0333 212 2141 or email –


What ID/Proof of address do I need to supply?

The type of ID you will be required to supply would be something that proves your identity, this would usually be a form of photographic ID e.g. a driver’s licence. We would also accept a bank card or birth certificate on occasion if necessary.

The proof of address that you will need to supply, would be something like a headed letter you have received with your address on, such as a bank statement or a utility bill.


How do I contact PayItMonthly? 

0333 212 3914 


PayItMonthly Ltd,
Office Suite, Gainsborough House
42 Bath Road
GL53 7HW

Opening Hours:
Mon-Thurs: 9am – 5.30pm*
Fri: 9am – 5pm *
Sat: 9am – 1pm
*(excluding public holidays)


Representative Example

Interest Free Credit