About Us
Black Horse FlexPay is offered by Black Horse, which is a trading style of MBNA Limited.
MBNA Limited Registered Office: Cawley House, Chester Business Park, Chester CH4 9FB. Registered in England and Wales number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, register number 204487, for the provision of payment services.
MBNA was founded in 1982 as part of Maryland National Bank. MBNA originally stood for ‘Maryland Bank National Association’. It has been based in Chester since 1993.
MBNA Limited is a part of the Lloyds Banking Group. More information on the Group can be found at www.lloydsbankinggroup.com.
About FlexPay
FlexPay is a regulated digital credit account which supports customers looking to manage their money by helping to spread the cost of their purchases over terms extending from 3 to 48 months. It provides customers with a revolving credit line and the account offers the option of using monthly instalment plans at a range of interest rates starting at 0%, or flexible credit at standard APR, to pay for their purchase.
FlexPay is accepted at a growing number of retailers in the UK. We are aware that customers are looking for flexibility in the way they pay for their purchases and with FlexPay, we are helping our participating retailers meet their customers’ needs.
Even when we are unable to offer FlexPay to certain customers, we still want to help. We may introduce these customers to another lender, NewDay , who also offer a digital credit product, called NewPay. Customers can then decide if they would like to apply for NewDay’s product and NewDay will make their own assessment of the customer’s credit application.
Learn more about NewDay