Balance and statements

This is the total amount of credit you have available to use on your FlexPay account.

You can use this limit to pay for your purchases using instalment plans available in your account, or simply use this as flexible credit to pay.

This is the payment plan you may have used to make a purchase.

This requires a fixed monthly payment to be made each month to cover the cost of your purchase and has a fixed end date.

You can have multiple instalment plans in your FlexPay account.

When you use your flexible credit to make purchases, the amount you use is called your main balance.

There’s no fixed date to repay this balance. You can choose to pay the full main balance after it appears on your statement, or pay just the contractual minimum payment for your main balance (this may cost you more and take you longer to repay.)

More information on managing your payments

We'll send you a monthly statement to your digital inbox if there has been any activity on your FlexPay account or if there's an outstanding payment.

You'll receive your statements and letters via your digital inbox within your FlexPay account.

You can also sign up to receive your statements and letters via post.

You can change your preferences by contacting us on 0345 2680 831 or 01268 653744 if you're outside the UK. Our phone lines are open 8am - 8pm Monday to Sunday.

The day we send your statement depends on your monthly payment due date. You can change this date up to two times a year.

Electronic statements give you the same information as paper statements, but you view them in your digital inbox rather than receiving a copy by post. All new customers automatically receive electronic statements.

Electronic statements are free, secure, and come in the same format as traditional paper statements. You will get a reminder email each month to let you know that your electronic statement is available to view. To view your statements please visit the Statements page.

We can provide accessible formats – including large print, Braille and audio CD. 

 Contact us once you’ve got your Black Horse FlexPay account and we’ll arrange for someone to set this up for you.

 Where possible, we’ll make sure we reformat the correspondence we send you.