Instalments for Amazon
Barclays Partner Finance offers Instalments – a convenient, reusable way to spread the cost of your purchases.
What is Instalments for Amazon?
Instalments for Amazon is a reusable credit account for purchases on amazon.co.uk, which lets you spread the cost of eligible purchases.
With instalment plans ranging from 3 to 48 payments and a minimum spend of £100, you can use your instalment account as much or as little as you like without needing to reapply – providing you stay within your spending limits.
To be eligible to apply for an instalment account, you’ll need to be 18 or over and have been a UK resident for the last three years. Our frequently asked questions have more details about the information you’ll need to apply.
How does it work?
You apply for an instalment account at the Amazon checkout. We’ll ask you some questions about your finances to give you a credit limit and a monthly payment limit that you can comfortably afford. These are two different limits.
Your credit limit is the total amount that you can spend overall.
Your monthly payment limit is the total amount your payments can add up to each month, across all of your instalment plans. You can’t add new plans if the monthly payments would take you over your monthly payment limit, and when you finish paying off a plan, more of your monthly payment limit will become available.
Each time you choose Instalments at the checkout, you’ll take out a new instalment plan and choose a monthly payment amount and duration that best fits your needs.
You’ll make one monthly payment by Direct Debit for all of your plans, which we’ll automatically adjust as you pay off old plans and take out new ones.
Before you apply
An instalment account is a reusable credit account for purchases on Amazon, which lets you make purchases and spread your repayments over fixed instalment amounts.
You can make repeat purchases with your instalment account without needing to reapply, and have multiple plans as long as you remain within your credit limit and monthly payment limit. As you pay off your plans, you’ll ‘free up’ credit, which you can then spend again.
You can't use your account to buy groceries, gift cards or subscriptions, or pre-order, digital, non-tangible or out-of-stock items. The minimum spend for each order is £100.
Each new order creates a new instalment plan, and your monthly Direct Debit payment is the total amount your monthly payments add up to across all of your instalment plans. We’ll automatically adjust your Direct Debit payment as you pay off plans and take out new ones.
We’ll always ask for
- Your name, address and date of birth
- Your phone number and email address
- Information about your income and employment status
Understanding your instalment account
Interest is how much you’re charged to borrow money for goods or services over time. The interest rate is the percentage charged on the amount you borrow, and it’s usually expressed as an annual percentage rate (APR).
Interest is calculated on a daily basis and added to your account at the end of each billing period.
APR is the annual percentage rate, which is the total amount you’re charged for your finance over the year. This includes all fees and interest charges, and helps you compare the cost of borrowing across different financing options by providing a like-for-like comparison.
Your monthly payment limit is the total amount your monthly payments can add up to across all of your instalment plans.
We’ll recalculate this regularly, based on what we know about your financial circumstances and using information from credit reference agencies. We’ll also recalculate it each time you make a purchase with your instalment account.
Imagine your monthly payment limit is £70 and you take out two plans
- The monthly payment for your first plan is £20 a month over 3 months
- The monthly payment for your second plan is £30 a month over 12 months
Your total monthly payments are £50 (£20 for the next 3 months, and £30 for the next twelve months).
For the first three months, the combined monthly payments for any further plans you take out can’t be more than £20, otherwise you’ll go over your monthly payment limit of £70. After those three months are up and your first plan is paid off, you can take out new plans with combined monthly payments of up to £40 without going over your monthly payment limit.
Your credit limit is the most you can spend in total with your instalment account, providing you have a valid Direct Debit in place, keep up with your monthly payments and stay within your monthly payment limit.
We use information from your application and credit reference agencies to calculate a credit limit and monthly payment limit that’s affordable for you.
To calculate your monthly payments, we take the amount you borrowed, add the total interest due over the length of your plan, and divide it by the number of payments you’ve agreed to.
If you have more than one instalment plan, your monthly payments will be taken as one combined monthly payment from the account your Direct Debit comes out of.
When you add instalment plans, your direct debit will automatically increase to collect the additional monthly amounts from each plan, we’ll tell you each time this happens. As instalment plans are paid off, your monthly direct debit will automatically reduce to continue to only collect the amounts due on your active instalment plans.
We’ll recalculate your credit and monthly payment limits each time you make a purchase, using details from your application and information from credit reference agencies – so they could change in future. This credit search won't impact your credit file and can't been seen by other lenders, however your credit limit, monthly payment amount, remaining balance and payment history can be seen by other lenders if you apply for finance elsewhere.
From time to time, we’ll also ask you some additional questions to make sure your credit limit and monthly payment limit are still affordable for you.
No, you can’t increase your credit limit at the moment.
Yes. We’ll keep your instalment account open and Direct Debit active for 12 months after you pay off your last plan, so you can use your account for future purchases without having to reapply. You’ll need to take out a new instalment plan for each order you make with your instalment account, and we’ll reassess your affordability each time. We won't take any payments unless you take out a new plan, and if you don’t use your instalment account for 12 months we may write to you to let you know that we’re going to close it.
Yes. You can have more than one instalment plan under your account, as long as you stay within your credit limit and monthly payment limit. As you add more plans, your monthly payment will increase, and as you pay off your plans you’ll ‘free up’ credit, which you can then spend again.
Making an application
To be eligible to apply for an instalment account, you’ll need to
- Be at least 18 years old
- Have a monthly net income of £500 or over (£6,000 a year)
- Be (self) employed, retired with an income or pension, or getting long-term state-support income
- Have been a UK resident for at least three years
- Have a UK bank account from which Direct Debits can be taken
- Have a good credit repayment history, with no CCJs (County Court Judgements) or bankruptcies
- Have a mobile phone number and an email address
We’ll verify your income using TransUnion, an independent service which accesses information from current accounts with the main high street banks opened after 1998. If you’ve chosen not to share these details, we won’t be able to verify your income and you won’t be able to open an instalment account.
Joint instalment accounts aren’t available, and all applications are subject to a credit check and successfully meeting our underwriting criteria.
When you choose to pay in instalments, we’ll ask you to provide or confirm some details about your financial situation. We’ll then use this information to decide whether we think your repayments will be affordable for you.
A credit search is when credit reference agencies gather information on how well you manage credit and make your payments.
- A list of your credit account
- Whether you've made your payments on time
- How much credit you have available to you
- Verification of the income stated in your application
- Any public records such as CCJs or bankruptcies
This information is then used to give you an overall credit score.
When you apply for an instalment account, we’ll use these records to help us make a lending decision. This initial search will show on your credit file for up to 12 months.
No, you’ll still need to pay for your order or contact Amazon directly to cancel it.
Your plan will start when the last item is shipped by Amazon.
Your instalment account is personal to you, and you’re solely liable for any purchases made using your account. It’s important you keep your log-in details secure to stop anyone else buying something using your account. If your account is secure and you spot a transaction you don’t recognise, please call us on 0800 152 2888* or 0044 123 668 1763* from abroad.
Yes. If you change your mind, you can withdraw from the finance up to 14 days from the day after you signed the agreement, or the day after we sent you written confirmation that you'd entered into the agreement – whichever is later.
To withdraw from the finance, call us on 0800 152 2888* or 0044 123 668 1763* from abroad, or write to us at:
Barclays Partner Finance, PO Box 2501, Cardiff, CF23 0FP.
If you withdraw from the finance and we've already paid Amazon for the goods or services, you'll have to repay the value of those goods or services to us. You’ll need to do this within 30 days from the day you asked to withdraw from the finance, and we won't charge you interest or fees during that time. If you don't pay everything back in full, we may refer you to a debt collection agency to recover the amount you owe.
All about payments
We’ll take your monthly payment on or around the payment date you chose when you took out your instalment account.
Yes. You can change your payment date twice a year by calling us on 0800 152 2888* or 0044 123 668 1763* from abroad.
If you do this before we’ve sent your monthly statement, your payment date will be changed for that month’s payment. If you do it after, your payment date will be updated for the following month’s payment.
Just remember that you might end up paying more interest if you change your payment date, as your finance might last longer.
Yes, you can make additional one-off payments, but we’ll still collect your regular monthly Direct Debit payment.
We’ll collect one monthly Direct Debit payment for all of your instalment plans, and allocate this as follows
- If your account’s in arrears, we’ll allocate any payments to your highest interest-rate plan. If all of your plans have the same interest rate, we’ll allocate payments to the oldest one first
- If you’re not in arrears, we’ll use your monthly payment to pay off your plans as set out in your latest statement
We’ll automatically adjust your monthly payment as you pay off your plans in full, and take out new ones.
You can find more information about this in your account terms and conditions
That depends on the plans you have, and whether your account’s in arrears or not
- We’ll allocate any overpayments with the aim of reducing the overall amount of interest you have to pay
- If all your plans are interest free, we’ll allocate payments to your oldest plan
- If your account’s in arrears, any payments you make will go towards paying off those first
Your monthly payment amount won’t change if you make an overpayment, and we’ll still collect this through Direct Debit as normal.
Once you’ve taken out an instalment plan you can’t change the contracted term or monthly payments, but making additional payments on top of your normal monthly payments might mean that your plan ends sooner.
If you’re struggling to make your monthly payments, please get in touch with us on 0800 161 5260* or 0044 123 668 1763* from abroad.
You need to have an up-to-date Direct Debit for your monthly payments to be collected on time. If you don’t, your available credit will be suspended, which will affect your ability to buy goods using your account.
You can set up a Direct Debit online.
Or you can complete a Direct Debit mandate and return it to us by
· Email: at firstname.lastname@example.org
· Post: Barclays Partner Finance, PO Box 2501, Cardiff, CF23 0FP
You can also call us on 0800 152 2888* or 0044 123 668 1763* from abroad.
Yes, you can make additional one-off payments at any time. We don’t accept payments from credit cards, as these can make it harder to stay on top of your finance.
Debit card payments
Call us on 0800 15 22 888* or 0044 123 668 1763* from abroad to make a payment with a debit card.
To make a payment by bank transfer, please use the details below, with your 16-digit account number as the reference. Transfers take three to five working days to clear.
Account number: 70185604
Sort code: 20-19-90
Please make cheques payable to ‘Barclays Partner Finance’, and write your 16-digit Barclays Partner Finance account number on the back.
Post it to us at:
Barclays Partner Finance, PO Box 2501, Cardiff, CF23 0FP
That depends on how you made the payment
- Card payments take one working day
- Payments made in one of our branches take two working days
- Bank transfers and standing orders take three to five working days
- ·Cheques take five to ten working days
Please allow enough time for your payment to reach us.
Yes, but you won’t able to buy anything else using your instalment account without an active Direct Debit. You can cancel your Direct Debit and make your monthly payments by calling us on 0800 152 2888* or 0044 123 668 1763* from abroad.
Yes, you can pay off your balance in full any time. Just call us on 0800 152 2888*or 0044 123 668 1763* from abroad and we’ll generate a final balance for you.
We’ll keep your account open so you can take out future plans. If you don’t use your instalment account within 12 months of paying off your last plan, we may write to you to let you know we’re closing your account.
If you made the overpayment through Direct Debit, we'll wait for it to clear and then refund any overpayment back to the same account.
If you made the overpayment through standing order, card or cheque, please get in touch with us on 0800 152 2888*or 0044 123 668 1763* from abroad.
We won’t automatically send you written confirmation when you pay off your plan in full. Your monthly statement will show your plan balance as ‘£0.00’, which means that you don’t need to make any further payments towards that plan.
No. We’ll only take payments that are due, and will stop taking payments once your plans are paid off. If you do cancel your Direct Debit, you won’t be able to make any future purchases.
If you pay off your remaining balance using a debit card, bank transfer or cheque, your next Direct Debit may already be pending, so you’ll need to contact your paying bank to cancel. Alternatively, if we collect your Direct Debit payment, we'll refund any overpayments back to the same account once it’s cleared.
No, we won’t charge you for a late payment but you may accrue additional interest.
If you have an active instalment account with an outstanding balance, we’ll send you a monthly statement and an annual statement every 12 months.
Cancelling or returning your order
Yes – here’s how it works
- First, you’ll need to cancel your order with Amazon
- Once they’ve accepted your cancellation, you should follow their returns process
- When Amazon has accepted your return, we’ll amend or cancel your instalment plan and send you an email with your updated plan
- We’ll then credit the cost of any returned items to your account. While your monthly payments will stay the same, we’ll lower your plan term so you make fewer payments.
You might still be charged for shipping costs and non-refundable items, even if you return or cancel your entire order. For more information about this, please contact Amazon directly.
If your account’s in credit, we’ll refund any payments to your account.
Your monthly payments will stay the same, but we’ll lower your plan term so you make fewer monthly payments.
Closing your account
To close your account, please call us on 0800 152 2888*or 0044 123 668 1763* from abroad.
If you have an outstanding balance when you ask us to close your account, you won’t be able to make any more purchases. Once you’ve paid this off in full, we’ll close your account completely and you won’t be able to reopen it. If you’d like to take out any plans in future, you’ll need to apply for a new instalment account.
If the account holder has passed away, their next of kin or an appropriate representative should call us on 0800 152 2888*or 0044 123 668 1763* from abroad.
We'll need an original, certified copy of the account holder's death certificate and a letter detailing any estate to give to our specialist probate partners, who will then be in touch to discuss the account in more detail.
Yes. How much you can reduce your credit limit by depends on whether you have an outstanding balance.
- If you don’t have an outstanding balance, you can reduce your credit limit to a minimum of £250
- If you have an outstanding balance, you can reduce your credit limit to a minimum of 105% of your outstanding balance
Please call us on 0800 152 2888*or 0044 123 668 1763* from abroad to reduce your credit limit. Just remember that once you’ve reduced your credit limit, you won’t be able to increase it again.
Although you can’t change your monthly payment amount, if you’re having money worries we might be able to agree a reduced payment plan with you. Please call us on 0800 161 5260* or 0044 123 668 1763* from abroad so we can help.
The following agencies may also be able to offer free, impartial and confidential advice. Some may charge, so please check first.
• StepChange Debt Charity (UK) – call 0800 138 1111 or visit stepchange.org
• National Debtline (England, Wales or Scotland) – call 0808 808 4000 or visit nationaldebtline.co.uk
• Debt Action NI service (Northern Ireland) – call 0800 915 4604 or visit adviceni.net/advice
• Money Advice Service – call 0800 138 7777 or visit moneyadviceservice.org.uk
• Money Advice Scotland – call 0141 572 0237 or visit moneyadvicescotland.org.uk
• Citizens Advice Bureau – visit adviceguide.org.uk (England and Wales), cas.org.uk (Scotland), or citizensadvice.co.uk (Northern Ireland)
No, we won’t charge any additional fees once we’ve agreed a reduced monthly payment plan with you.
It might do. Once we've set up a reduced payment plan with you, we'll let the credit reference agencies (Experian, Equifax or Call Credit) know. We'll also tell them your new monthly payment amount and start date.
Every agency records this information, but they all use it in different ways, so you'll need to contact them individually to find out how your credit score could be affected.
Making a complaint
If you're unhappy with anything about Barclays Partner Finance, please get in touch. We really value your feedback and we'll always do our best to respond as quickly as possible.
• Call: 0800 152 2888*or 0044 123 668 1763* from abroad
• Email: BPF_CustomRelatCompl@barclayscorp.com
• Write to: Barclays Partner Finance, PO Box 2501, Cardiff, CF23 0FP
If you contact us, we'll need
• Your 16-digit instalment account number
• As much detail about the complaint as possible, including any letters or photos
• Information about the action you'd like us to take
• Your contact details, so that we can keep you updated
We try to resolve all complaints within two working days. If we need more time, we’ll write to you to explain what's happening and when we expect to resolve the issue. You'll get either a final response, or a detailed report on our progress, within eight weeks.
No, you need to keep up with your payments while we investigate your complaint. Missing payments will result in your account falling into arrears and being reported to the credit reference agencies as detailed in your credit agreement.
You can get in touch with us using the number on your final response letter.
If we haven't been able to resolve your complaint, the Financial Ombudsman Service is an independent service that can look into it for you.
To get in touch
• Call: 0800 023 4567 or 0300 123 9123
• Email: email@example.com
• Write to: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Yes, but we won't cover any third-party fees or charges incurred as part of your complaint. If you use a claims management company to manage your complaint, they may be entitled to a share of any compensation you receive.
Before you get in touch with us, please contact Amazon directly, explaining what’s happened and how you'd like things put right.
If you’re still unhappy with how things turn out, call us on 0800 152 2888*or 0044 123 668 1763* from abroad, and we'll see how we can help.
Speak to Amazon before you get in touch with us, so they have a chance to sort things out. Explain to them what’s happened and how you'd like things put right.
We might share equal responsibility with Amazon for certain claims, under Section 75 of the Consumer Credit Act 1974 (often referred to as a ‘section 75 claim’). This means we'll try to help investigate and resolve any issues with what you've bought.
If you’re unhappy with how things turn out, call us on 0800 152 2888*or 0044 123 668 1763* from abroad, and we'll see how we can help.
While we or Amazon are investigating, you’ll need to make sure you keep up your payments, so that your account doesn’t fall into arrears and get reported to the credit reference agencies.
If you’re below your credit limit, but you can’t make any more purchases, you might have reached your monthly payment limit. If you have, you’ll need to pay off an instalment plan in full to ‘free up’ credit for further purchases.
Yes – just call us on 0800 152 2888* or 0044 123 668 1763* from abroad and we’ll be happy to help. Please have your 16-digit instalment account number ready when you call, as we’ll need it to access your account.
Yes. If you’d like us to discuss your account details with a third party (such as a friend or family member), please call us on 0800 15 22 888* or 0044 123 668 1763* from abroad.
Alternatively, you can complete and sign a ‘Disclosure of Authority form’ and send it to:
Barclays Partner Finance
PO Box 2501
Although we’ll be able to discuss your account with them, they won’t be able to make any changes to your account. If you need to update your address or payment details, you’ll still need to be present during the call to give your permission.
No, but you can make Direct Debit and manual payments from an account held in someone else's name with their written permission.
Yes. Once we've set up an instalment account, we'll let the credit reference agencies know. We'll also give them details of your new monthly payment amount and start date, which we’ll amend each time you take out a new instalment plan.
Your credit file will always show your credit limit, monthly payment amount and remaining balance, and this information will be visible to other lenders if you apply for finance elsewhere.
If you recently purchased something with monthly instalments, check your welcome letter to see if we’re providing the finance.
If you're still concerned, please call us on 0800 152 2888* or 0044 123 668 1763* from abroad as soon as you can. If you've received a letter or email from us, please have your 16-digit account number to hand.
To update your name, address, phone number or email address, please call us on
· 0345 734 5345* or +44 247 684 2100* from abroad if you have a mortgage, current account, credit card or loan with us, or
· 0800 152 2888* or 0044 123 668 1763* from abroad if you only have an instalment account
We can only show instalment accounts in your app at the moment, but we’re working on getting all your accounts online.
To talk to us about your other Barclays Partner Finance accounts, or make a payment, call us on 0800 15 22 888* or 0044 123 668 1763* from abroad.
*To maintain a quality service, we may monitor or record phone calls. Call charges.