Instalments for Amazon

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

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 on the outstanding balance and added to your account at the end of each monthly 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 Instalments for Amazon account will be offered at a standard interest rate (variable rate). This rate can change in line with the Terms and Conditions, We will always notify you in advance of any changes.

From time to time, promotional rates are made available on instalment plans for certain products. When available, Amazon will display such promotional rates at the time of purchase during the checkout stage. Eligibility for a promotional interest rate is at our discretion and promotions may be withdrawn or changed at any time.

Each time you make a purchase, you will be shown the interest rate before your instalment plan is created. You will pay a fixed interest rate until your instalment plan is paid in full.

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 Instalments for Amazon account. 

Imagine your monthly payment limit is £70 and you take out two plans on the same day.

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 for your combined plans is £50 over the first 3 months and then £30 for the remaining 9 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 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. This will impact your credit score only the first time when the instalment account is opened and does not impact when you re-use the credit line.

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 Instalments for Amazon account open and Direct Debit active for at least 18 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 plan for each order you make with your Instalment for Amazon 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 for Amazon account for some time we will remind you that you have an open Instalments for Amazon account and we plan to close it. if you account still hasnt been used we will write to you to let you know that we’re going to close it. Please ensure you do not cancel your Direct Debit once you have paid off your plan, as this will prevent you from using your account for future purchases.

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.

To be eligible to apply for an instalment account, you’ll need to

• Be at least 18 years or older.
• Have a mobile phone number and email address.
• Have been a UK resident for at least three years (excluding the Channel Islands and the Isle of Man).
• Be employed, self-employed or retired with a regular income of more than £500 per month.
• Be up to date on other credit repayments without recent defaults, County Court Judgement (CCJ) or bankruptcy.
• Have a UK bank account from which Direct Debits can be taken.

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.

This includes

• 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. 

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 you're behind with your monthly payments, 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 up to date with your payments, 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 you're up to date with your payments or not. However, we will ensure your payments are applied in a way that saves you the most interest.

• We’ll allocate any overpayments with the aim of reducing the overall amount of interest you have to pay. This means we'll apply the payment towards the instalment plan with the highest APR first.
  
• If you're behind with your repayments, any overpayments you make will go towards paying off those first. If you're behind with payments on more than one instalment plan with the same APR, we'll apply the payment towards the oldest instalment plan first.
• If all of your plans are interest free, we'll allocate payments to your oldest plan. 

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.

Or you can complete a Direct Debit mandate and return it to us by

·       Email: at operations.support@barclayscorp.com

·       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.

The Direct Debit Guarantee ​

• This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits ​
• ​If there are any changes to the amount, date or frequency of your Direct Debit, Barclays Partner Finance will notify you 4 working days in advance of your account being debited or as otherwise agreed. If you request Barclays Partner Finance to collect a payment, confirmation of the amount and date will be given to you at the time of the request ​
• ​If an error is made in the payment of your Direct Debit by Barclays Partner Finance or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society ​
• ​If you receive a refund you are not entitled to, you must pay it back when Barclays Partner Finance asks you to ​
• ​You can cancel a Direct Debit at any time by contacting your bank or building society. Written confirmation may be required. Please also notify us. ​

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.

Barclays App

You can make a payment via the Barclays app 

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.

Bank transfers

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.

UK payments
Account number: 70185604
Sort code: 20-19-90

Cheques

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.

Your circumstances now may be exactly the same as when you opened your Instalments for Amazon account. However, we understand that this may not be the same for everyone. 

If you’ve had, or foresee a change to:

• employment status
  
• residential status
• current monthly income
• future monthly income decrease
• future spending increase
• or financial dependent care costs

you’ll need to contact us.

Please get in touch with our Financial Assistance team on 0800 16 15 260 * (landline) / 0333 202 7894 (mobile). Our opening hours are Monday to Friday 09:00 – 17:00 and Saturday 09:00 – 13:00.

We understand the cost of living has increased, but you do not need to let us know if you’re impacted by this as we have already factored this into our affordability calculations when making a decision on future purchases. If you do have money worries please see the Money worries section below. 

As a responsible lender we need to ensure that any repeat spending using your Instalments for Amazon account remains affordable. By keeping us up to date with any changes to your financial circumstances, we can make sure your monthly payment limit is calculated accordingly based on the financial information you provide.

If your employment status has changed or is going to change (for example, you are now retired or you intend to or are making plans to retire in the next 5 years).

Employment status can be:

1. Employed
2. Self- Employed
3. Retired
4. House Person
5. Benefits

If your residential status has changed or is going to change (for example; you are now a Home Owner), you will need to let us know.

Residential status can be:

1. Home Owner
2. Living with parents
3. Tenant (Council)
4. Tenant (Private)
5. Joint Home Owner
6. Other

Monthly income is money you get paid regularly depending on your employment status. The amount you provide must be after all deductions, such as tax, National Insurance, pension contributions and student loan repayments.

Don’t include one-off or occasional payments or annual bonuses as income.

Income can be:

1. Salary
2. Pensions, including State Pension and Pension Credit
3. Investment income
4. Income from rental property
5. Money you get from your spouse or partner, or an ex-spouse or partner
6. Child maintenance payments

We need to make sure any future instalment plans you apply for remain affordable and you’ll need to let us know if you know your income will go down in the future, for example because of:

1. Retirement
2. Reduced working hours
3. A career break or job loss
4. Separation or divorce
5. Maternity leave or another life event
6. DWP benefits ending, if they’ll stop being paid during the time stated below (for example child benefit)
7. A reduction in other income you rely on

We need to make sure any future instalment plans you apply for remain affordable if you know your regular spending is likely to go up. For example, you might start spending more on:

1. Your rent or mortgage
2. Council Tax
3. An overdraft, credit card or loan (not including the one you’re applying for), or another type of finance
4. Care costs

We don’t need to know about any one-off costs you might have or increased energy bills.

We need to know what you spend on financial support for your dependents – both adults and children.

This includes your share of:

1. Nursery, pre-school and childminder costs, before- and after-school care
2. Money you pay to your spouse or partner, or ex-spouse or partner
3. Child maintenance payments
4. Elderly and disability care, and care home or private nursing care costs
5. Student accommodation costs

We don’t need to know about:

1. Any costs paid by salary sacrifice
2. General living costs, such as food, clothing and travel
3. Optional childcare expenses, such as school and tuition fees
4. Money paid for hobbies

If you have any further questions, please call us on 0800 15 22 888*, or 0044 123 668 1763 from abroad.* We’re here Monday to Saturday, from 9am to 6pm.

If you’re ever struggling financially or would like some impartial and confidential advice, here are some details of organisations who may be able to help.

• MoneyHelper – visit moneyhelper.org.uk
  
• StepChange Debt Charity – call them on 0800 138 1111 or go to stepchange.org
• National Debtline – if you live in England, Scotland or Wales, go to nationaldebtline.org or call 0808 808 4000. For help managing your money, use their digital advice tool 
• Citizens Advice – visit your local Citizens Advice or go to citizensadvice.org.uk
• Samaritans – call 116 123 at any time or email jo@samaritans.org

Yes – here’s how it works

1. First, you’ll need to cancel your order with Amazon
2. Once they’ve accepted your cancellation, you should follow their returns process
3. When Amazon has accepted your return, we’ll amend or cancel your instalment plan and send you an email with your updated plan
4. 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. 

We'll refund any payments back to the account where your Direct Debit is paid from. 

Your monthly payments will stay the same, but we’ll lower your plan term so you make fewer monthly payments.

You will be charged no interest and no payments will be required, however we will keep your account active with £0.00 balance in case you decide to use it in the future. We will contact you if you have not used your account for some time. Please ensure you do not cancel your Direct Debit once you have paid off your plan, as this will prevent you from using your Instalments for Amazon account for future purchases.

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.

If you’re ever struggling financially or would like some impartial and confidential advice, here are some details of organisations who may be able to help.

• MoneyHelper – visit moneyhelper.org.uk
  
• StepChange Debt Charity – call them on 0800 138 1111 or go to stepchange.org
• National Debtline – if you live in England, Scotland or Wales, go to nationaldebtline.org or call 0808 808 4000. For help managing your money, use their digital advice tool 
• Citizens Advice – visit your local Citizens Advice or go to citizensadvice.org.uk
• Samaritans – call 116 123 at any time or email jo@samaritans.org

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 TransUnion) 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.

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.

We'll contact you with any updates or if we need more information. If you need to get in touch in the meantime, you can call us on 0800 152 2888*or email us at BPF_CustomRelatCompl@barclayscorp.com.

No, you need to keep up with your payments while we investigate your complaint. Missing payments will result in your account falling behind 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: complaint.info@financial-ombudsman.org.uk
• 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.

If you experience a technical issue during your application, you will be redirected back to Amazon where you will be able to complete your application.  If an error message is received after you have received a decision, you will see the error screen but should receive an email communication advising you of the next steps e.g. the decision on the application or request for the agreement form to be signed with a link to the document to continue this journey.  For any queries you can call us on 0800 1522 888.

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 15 22 888*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 behind and get reported to the credit reference agencies.

If you’re below your credit limit, but you can’t make any more purchases, your finacial circumstances might have changed or 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. We're here to help call us on 0800 15 22 888* or 0044 123 668 1763* from abroad.

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

Cardiff

CF23 0FP

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.

For full details of how we use your information, please read our Privacy Policy. 

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 opened an Instalments for Amazon account or new plan, check your welcome information to see if we’re providing the finance.

If you're still concerned, please call us on 0800 15 22 888* 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.

You can also print, complete and send in a 'Fraud Disclaimer Form' to assist us further with the process

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 current account, credit card, loan, or mortgage with us, or
  
• 0800 15 22 888* or 0044 123 668 1763* from abroad if you only have an Instalment for Amazon account.
  

We can only show your Instalments for Amazon account in our app at the moment.

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.