Paying for Groceries

Buy Now Pay Later Guide

Buy Now Pay Later in Ireland

BNPL are alternatives to traditional loans and credit cards. BNPL usually allows you to purchase an item and pay it off over an agreed number of monthly installments. 

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Who offers Buy Now Pay Later in Ireland?

A few traditional retailers like Littlewoods and Argos have been offering them here for years. Flexi-Fi is the first large-scale provider with over 800 retailers including Woodies DIY, Samsung and Harvey Norman offering BNPL powered by Flexi-Fi.

Flexi-Fi’s plan types differs by merchant. Typically lower purchases attract no fees or interest with fees added on higher purchases. Some merchants offer a number of  options for example Harvey Norman offer:

  • ​No interest ever on purchases up to €499.99: pay 20% upfront and the remainder in fortnightly payments over 8 weeks. No fees or interest.

  • Low interest on purchases between €500 and €999.99 with €43.68 in fees and interest over 12 months. In total it would cost you 4.4% more than buying upfront.

  • Two options were you can spread payments out over 2 or 3 years. Based on Harvey Norman’s website, once interest and fees are added, these options add between 5.5% - 8% to the upfront price.

 

These require credit approval, so read the terms before applying! 

The following is a list of Irish stores where ​you can buy now and pay later

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Beattys

Appliances

Ben Sweeney Ltd

Appliances

Big Bear Sound

Appliances

Brew Box Coffee

Appliances

Bright Spark Electrical

Appliances

Curry's PC World

Appliances

D.I.D Electrical

Appliances

Dominic Smith Electrical Ltd

Appliances

Electrocity

Appliances

Expert Laois

Appliances

Expert Leisure

Appliances

Expert Retail

Appliances

Finucanes Electrical Expert Ltd

Appliances

Fitzgerald Electrical

Appliances

Click on a category to see retailer offers from that category