
Reusable
If you’re eligible for an Instalments for Amazon account, you can reuse it and purchase more without reapplying.
A credit account you can use again and again to spread the cost of shopping at amazon.co.uk
It’s a simple and convenient way to spread the cost when you spend £100 or more on amazon.co.uk.
You choose the plan length from 3 to 48 months and apply for finance straight from the checkout. If approved, you’ll get a reusable credit limit to spend. There’s no fees for taking out a plan and as you make monthly repayments, you’ll free up the credit available within your limit, so you can reuse it for other purchases with Amazon.
You will see this referred to as ‘Instalments by Barclays’ on the Amazon website.
If you’re eligible for an Instalments for Amazon account, you can reuse it and purchase more without reapplying.
Using your financial status, we’ll set a credit limit and monthly payment limit we think you can comfortably afford, giving you flexibility for future purchases
Track your plan(s), spending and transactions from amazon.co.uk with a few taps in the Barclays app.
Let's take a closer look at four key parts of a plan to help you understand how it works.
To be eligible to apply, you need to be 18 or over and have been a UK resident for the last three years. When you apply, we’ll ask about your finances to help us set your credit limit and monthly payment limit.
You can learn more about the eligibility criteria in our FAQs
This is the total amount you can spend on your instalment account, as long as you stay within your monthly payment limit. It doesn’t matter if you have one plan or 10 plans, you can only spend up to the credit limit across all of them. As you make repayments, you’ll free up the credit available within your limit so you can take out a new plan.
This is the total amount your payments can add up to each month, across all your plans. You’ll make one monthly payment by Direct Debit, which we’ll adjust as you pay off plans and take out new ones. You can’t add new plans if the monthly payments go over your limit. As you pay off a plan, more of your limit becomes available.
You can make repeat purchases with your account without needing to reapply, and have multiple plans just as long as you don’t go over your limits. As you pay off your plans, you’ll ‘free up’ credit, which you can spend again.
You start by adding a £150 camera to your basket at amazon.co.uk
The minimum amount you can spend to spread the cost with instalments is £100
You continue to the Amazon checkout to buy the camera
At the checkout, select ‘Instalments by Barclays’ as your payment method and apply for an instalment account
You choose a 3-month instalment plan with a monthly payment of £50
If you’re applying on a mobile device and have the Barclays app you can use it to complete your application. It’ll fill in the details for you with just a few gaps for you to confirm.
The application process is simple. Answer a few questions about yourself and your finances. When you click submit, you are agreeing to a credit check
You’re approved for the instalment plan! Once you sign your agreement online, you’ll see your overall credit limit and monthly payment limit.
You’re given an overall credit limit of £3,000 and monthly payment limit of £500 – these figures will be based on what Barclays think you can comfortably afford.
Your new 3 month plan to buy the camera takes your available credit limit to £2,850
Download the Barclays app if you don’t have it already to view your account details, including your remaining overall credit limit and monthly payment limit
A few weeks later you return to Amazon to purchase a £300 bike
Your ‘Instalments by Barclays account is available as a way to pay at the checkout
You won’t need to reapply – we’ll quickly check your circumstances haven’t changed
This won’t affect your credit score
You choose a 12-month plan with a monthly payment of £25
This reduces your available credit limit to £2,550
Your monthly payment by Direct Debit is now £75
This combines your £50 payment for the camera…and £25 payment for the bike
£425 of your £500 monthly payment limit remains available
After three months, you’ve paid off your first plan for the £150 camera
This increases your available credit limit to £2,700
Your monthly payment is reduced to £25 while you pay off your second plan
After 12 months, you’ve paid off the second plan for the £300 bike
Assuming you’ve made no further purchases in that time, your available credit limit returns to £3,000 and your entire £500 monthly payment limit is available…
…ready for further purchases from Amazon.
Watch our six-step guide showing you how to register for the Barclays app, where you’ll be able to:
*Calls to 0800 numbers are free from UK land lines and personal mobiles, otherwise call charges may apply. Please check with your service provider. Calls may be monitored or recorded in order to maintain high levels of security and quality of service.