FlexPay - an easy way to pay
Shop for the things you want and pay with easy instalments.
FlexPay is a digital credit account which lets you buy now and spread the cost of your purchases.
An instalment plan is always available in your account when you are spending above £100; or you can pay using your flexible credit - all your purchases are consolidated into one monthly payment.
Flexible and easy
FlexPay offers a reusable credit limit.
Use your credit limit to buy what you want and spread the cost for your convenience.
Available only at our participating retailers.
Manage your payments
Pay using the monthly instalment plans available for purchases above £100, at rates as low as 0%* or use your flexible credit at the standard rate.
Pay for all your plans and purchases with one easy monthly payment.
*Offers may be subject to basket sizes and durations determined by the retailers.
Simple to keep track
Download the FlexPay app when you've got your FlexPay account.
Your instalment plans, statement balance and payments are at your fingertips.
Credit available only to UK residents aged 18 and over. Subject to status. Terms apply.
Representative example
23.90% APR
Representative (variable)
23.9% PA
Standard rate (variable)
£1,200
Assumed credit limit
The APR, credit limit and any promotions that you’re offered will depend on the assessment of your application.
Your standard interest rate will apply to the balance in your credit account which is not in an instalment plan.
Instalment plans will remain at the rate they are offered unless you cancel a plan or miss a payment, then your standard interest rate will apply instead.
Why Choose FlexPay
- Manage your money better
A big purchase can have an impact on your finances.
FlexPay helps you to buy now and spread the cost over 3 to 48 months.
- Stay in control
With one monthly payment for all your purchases, you can easily track what you need to pay and what is affordable for you. Making payments on time helps protect your financial health and your credit score.
- Responsible and transparent credit
Our affordability checks help our customers get credit they can afford.
- Trust and protection
FlexPay is offered by Black Horse, a trusted provider of financial services in the UK for more than 20 years.
How to use FlexPay
FlexPay gives you another way to pay for larger purchases using a suite of instalment plans, at a growing range of UK online retailers.
Step 1. Apply online once
Shop online at a retailer offering FlexPay, and select 'Pay with FlexPay' when you're ready to checkout.
Complete the FlexPay application and we will give you a decision straight away.
Step 2. Get your account and pay
Once approved, you could get a credit limit up to £5,000 to use instantly if approved.
Use any available instalment plan in your FlexPay account or just use the credit to pay for your purchase.
Step 3. Spend smart with FlexPay
You can now use your credit account to shop at any online FlexPay retailer.
Choose 'Pay with FlexPay' at checkout. Log in to your FlexPay account and select your preferred instalment plan or pay with your credit option. It's that simple.
Applying for FlexPay
Who can apply for FlexPay?
If you’re applying for FlexPay, you need to be over 18, a UK resident and have a valid bank account, mobile number and email address.
We will need to do online credit checks and verify your identity to ensure that FlexPay is affordable for you and your financial circumstances.
How to apply
You can apply at any online retailer offering FlexPay on their website - Just select 'Pay with FlexPay' on their checkout page to start your application.
Easily access your account
Staying on top of your FlexPay purchases is easy. Get instant access to your account information, set up a single monthly payment, see what your balance is and much more.
Download the app
Downloading the app is the quickest and easiest way to manage your FlexPay account.
You can keep track of purchases, instalment plans and much more.
Available on both Android and iOS you can use the FlexPay app to:
- Check your account balance
- View your instalment plans
- Pay your outstanding balance
- Set up a Direct Debit
- Change your account details e.g. address
- Browse retailers where you can spend